What Is Full Coverage Car Insurance In Illinois?

Car Insurance Coverage IL
What is full coverage car insurance in Illinois?

Think you have full coverage car insurance in Illinois? My name is Barry Zlotowicz and I am a Glenview personal injury attorney. If you were involved in an auto accident and thought you had “full coverage,” only to find out you did not, call us for a free consultation at 847-305-4105.

“I’ve got full coverage”

I repeatedly hear the same thing from auto accident victims when they call my office after being involved in an accident. I ask them who they have car insurance with and what the policy limits of their auto insurance policy are. They often answer the same thing – “I have full coverage.”

It’s unclear what exactly people are referring to when they say this. The meaning varies depending on the situation. But universally, people do not know how much insurance and what type of insurance they have. And they definitely don’t know how much insurance they need.

Illinois mandated insurance limits

In the state of Illinois, all drivers are required to have the state minimum in liability insurance. On your insurance policy, the minimum limits will look like this:

25/50/20

This means that if you are involved in an accident, you have $25,000 in insurance to compensate the injured party; you have $50,000 for the entire accident – in the event that more than one person was hurt; and, you have $20,000 in property damage insurance.

In addition, in Illinois, you also automatically have $25,000 in uninsured or underinsured motorist coverage in case you were involved in an accident and the other driver was uninsured.

Minimum limits do NOT equal “Full Coverage”

These are the minimum limits you need to be able to drive in Illinois. To a Glenview personal injury attorney, this does not equal full coverage. To the contrary, you are seriously underinsured.

I would highly recommend that you consider adding the following:

  • Increase your liability AND uninsured/underinsured limits to a minimum of $100,000 per accident (100/300). Though frankly, it’s not enough. If you can afford it, increase the limits to 250/500
  • Collision coverage: if you get involved in an accident, it will be much quicker to use your own insurance to get your property damage repaired
  • Comprehensive coverage: if your car gets hit by a lightning bolt or other non-vehicle related accident, comprehensive coverage will pay for the repairs to your vehicle
  • Medpay insurance: medpay or medical payments coverage is a small add-on to an auto insurance policy that covers the first $2,500 or $5,000 or even more, of your medical bills. This is a great way to pay for your co-pays or deductibles
  • Rental car coverage: does your policy cover the cost of a rental car in the event you are involved in an accident?
  • Gap insurance: if you purchase a new car, you have the option of buying gap insurance. If you get in an accident and the car is totaled, the insurance company will only compensate you for the actual value of your vehicle. This value could be much lower than what you owe on the vehicle. Gap insurance will cover the balance

Why do you need so much insurance?

It is estimated that approximately 15% of all drivers in the state of Illinois are driving on the road without auto insurance. The next time you are driving, count 10 cars around you. Chances are that more than one of them are uninsured.

If you get in an accident with an uninsured driver, you can turn to your own auto insurance policy for protection. Also, if the person who hit you has the state minimum limits of $25,000 but your medical bills and/or your injuries are worth much more than that, you can seek compensation from your underinsured motorist coverage.

Also, as I’ve discussed in other blog articles, there is an increasing amount of accidents involving Uber and other rideshare vehicles and soon we will all be driving alongside self-driving cars. As such, it’s critical to have the right amount of insurance.

When do I have to have insurance?

Another question auto accident victims ask their Glenview personal injury attorney is whether they can cancel their auto insurance after an accident. They are concerned that if they cancel their coverage, they will lose the protection they have for the injuries they suffered in an accident that occurred prior to the cancellation.

That is not the case. The insurance policy that was in effect at the time of the accident will follow you regardless of what you do after the accident and/or after the policy expires.

To the contrary, I also receive quite a few calls from people who were involved in an accident but accidentally let their insurance policy lapse by not paying their bill. Or, they are uninsured at the time of the accident but immediately after an accident, they sign up for insurance in the hope that the accident will be covered.

Unfortunately, in both of these circumstances, you will not have auto insurance coverage. You have to have a policy in effect at the moment the accident occurs. Though, if you accidentally let your policy lapse through non-payment, your policy may have a clause providing you a certain number of days to make payment to continue the policy.

If you are unsure whether you have “full coverage” and want to speak with us about what insurance you should have, and how much insurance you need, call us at 847-305-4105 for a free consultation.

Prospect Heights Personal Injury Attorney for Bus Accidents

Illinois is one of the most significant locations for passenger bus transportation.  Whether or not children take school bus, public bus riders or passengers taking a long distance bus trip, there are a large number of people in Prospect Heights that count on bus transportation every single day.

Bus accidents occur all too often on America’s streets and highways.  Roughly 300 fatal bus crashes take place each year, in accordance with the National Highway Traffic Safety Administration.  Bus accidents without any fatalities, the damage to property and the price of serious injury is much higher.

As soon as stepping foot on a bus, the passenger has faith that the driver is licensed, rested and prepared to operate the bus in the safest possible way to protect the safety of all passengers.  A passenger also trusts that the bus has been properly inspected and all parts of the bus are fully functional.  Even so, bus accidents do take place, and in many cases it is the consequence of negligence on the part of the bus driver, the bus company or the bus manufacturer.  When passengers are severely injured in a bus accident, they might be able to take action and hold everyone who is responsible accountable.

Our Prospect Heights accident attorneys take care of all sorts of bus accident cases.  A number of these types of accidents include the following types of buses:

  • School buses
  • CTA buses
  • Shuttle buses
  • Chartered bus tour buses
  • Sight-seeing buses
  • Interstate passenger buses – including Greyhound

Because of the size of most buses, the injuries can be quite serious and even life-threatening for some.  Passengers located from Prospect Heights, Illinois that are involved in accidents can possibly suffer from some serious physical injuries requiring hospitalizations and continuous medical care, plus many injured victims may even lose the capability of being able to work and earn an income.  The long-term repercussions of an accident of this nature can be very devastating, so it is vital to take action very early if involved in a bus accident to guarantee your rights will be protected.

If ever in a bus accident whether or not physically injured, help dealing with stress and anxiety may very well be needed aside from any physical injuries.  With that said, you might just be entitled to compensation for your pain and suffering, medical bills and any lost wages resulting from the bus accident.  If death occurs, the liable driver can also face criminal charges for wrongful death.

We represent all kinds of Prospect Heights bus accidents, whether you have been injured or not, you will be pleased to know that our office is well equipped to assist you with recouping from any damages. IF you have been in a buss accident, don’t delay in getting touch with a qualified Prospect Heights personal injury attorney.  Contact us today for a free consultation with Barry Zlotowicz, a Prospect Heights personal injury attorney at 312-848-9783 or 877-LAW-4312.