Illinois and Indiana Car Accident Insurance Coverage

All drivers must carry valid auto insurance to legally operate vehicles in the states of Illinois and Indiana. In addition, they must also meet minimum requirements for both the types of coverage they purchase and their monetary value.

How Much Insurance Coverage Do You Need in Indiana?

Drivers pulled over or otherwise found to be driving without valid auto insurance in Indiana can have their licenses suspended. To avoid this penalty and to stay protected in the event of a car accident, Indiana drivers must carry two types of coverage:

  • Liability insurance
    Other drivers and their passengers may suffer injuries during accidents involving your vehicle. Liability coverage is designed to compensate them for their expenses.Minimum liability insurance requirements in Indiana are:

    • $25,000 per person for bodily injuries
    • $50,000 per accident in the event of multiple injuries
    • $10,000 per accident for property damage
  • Uninsured (UM) and underinsured motorist (UIM) insurance
    Some drivers may get behind the wheel without adequate auto insurance coverage, while others may drive without any coverage at all. Indiana requires that residents protect themselves from accidents involving these drivers by purchasing uninsured and underinsured motorist coverage.The minimum coverage for this type of insurance is:

    • Uninsured motorist coverage: Equal to the minimum limits for liability coverage
    • Underinsured motorist insurance: $50,000 per accident

In addition to these insurance requirements, residents of both states can also purchase additional coverage, including comprehensive insurance that covers damages to their vehicles, collision insurance, and medical payment coverage.

How Much Auto Insurance Coverage Do You Need in Illinois?

Unlike some states where uninsured drivers get caught if they get pulled over, Illinois drivers can receive insurance questionnaires in the mail designed to verify that they have valid auto insurance.

To comply with state laws, drivers must have the following types and amounts of car insurance:

  • Liability insurance
    Liability insurance covers the costs that other drivers, passengers, and property owners incur after an auto accident. This type of insurance is only designed to cover the costs of other people—it doesn’t cover the costs incurred by the policyholder.The minimum coverage for liability insurance in Illinois is:

    • $25,000 per person for bodily injuries
    • $50,000 for total bodily injuries per accident
    • $20,000 for property damage
  • Uninsured (UM) and underinsured motorist (UIM) insurance
    Although state law requires all Illinois drivers to have valid auto insurance, some drivers go without it. The state requires residents to purchase uninsured and underinsured motorist insurance to protect drivers and their passengers involved in accidents with uninsured drivers.The minimum coverage for uninsured and underinsured motorist insurance in Illinois is:

    • $25,000 per person
    • $50,000 total per accident

Questions about Insurance Claims after Auto Accidents? Call Us Today.

Filing and submitting an insurance claim after an auto accident can be tricky, especially if you’re not sure what types of coverage come into play or how another driver’s insurance will reimburse you.

If you were injured in an accident that wasn’t your fault, the Indiana car accident lawyers at Fleschner, Stark, Tanoos & Newlin can help you maximize your chances of getting the compensation you deserve. Call us today at (800) 477-7315 or fill out a free online form.

Connect With Our Attorneys Now