Illinois · Insurance
Property and casualty: home, auto, flood and wind coverage. Illinois articles from the regional hub.
The Secretary of State says drivers who cannot buy liability insurance should ask an agent about the Illinois Automobile Insurance Plan. The plan does not lower the 25/50/20 minimum, and driving with no policy can cost the license and the plates.
The Secretary of State says an Illinois liability policy automatically includes uninsured-motorist coverage at the legal minimum for bodily injury or death. The state does not require uninsured property-damage, collision, or comprehensive coverage.
Call the company first and keep a record. Illinois insurance complaints must be in writing. The Department of Insurance gives the insurer 21 days to answer and asks you to allow four to six weeks. Consumer Assistance for questions is (866) 445-5364.
In 34 Illinois counties with mine-subsidence exposure, insurers must put the coverage on the policy unless you sign a waiver. The Illinois Mine Subsidence Insurance Fund reinsures it. Residential reinsurance currently tops out at $750,000. A claim starts with your own insurer.
Illinois requires liability insurance of $25,000 per person, $50,000 per crash for bodily injury, and $20,000 for property damage. Carry the card in the vehicle. Uninsured-motorist coverage for injury comes with the policy at those bodily-injury minimums.
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