Illinois Auto Insurance Policy Information
The value of good auto insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have Illinois auto insurance coverage you can count on.
Let one of our experienced Illinois auto insurance policy specialists explain
the different Liability limits, Comprehensive, Collision, Personal Injury
Protection, Uninsured Motorist, Medical coverages, and deductibles that
are available for you to choose from. We offer affordable truck and car
insurance policies from a leader in the insurance industry.
Learn more about Illinois Auto Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for an Illinois
Auto Insurance policy that will provide excellent car insurance coverage at
an affordable cost. Or you can speak with our Illinois Auto Insurance agent
specialist toll free at (877) 232-9899 to discuss the policy features in more
detail.
We are a St. Charles, Illinois insurance agency, offering more affordable auto insurance policy
premiums in the following cities and counties in Illinois: Geneva, Batavia, Chicago, Lafox, Elburn,
Mooseheart, De Kalb, Virgil, Maple Park, Burlington, Kaneville, Cortland, Sycamore, Hampshire,
Big Rock, Hinckley, Wasco, Lily Lake, Valley View, South Elgin, Wayne, Aurora, Naperville,
Montgomery, Warrenville, Moecherville, Winfield, Wheaton, Carol Stream, Bartlett, Streamwood,
Glen Ellyn, Lisle, Glendale Heights, Hanover Park, Elgin, Ontarioville, Keeneyville, Bloomingdale,
Medinah, Roselle, Schaumberg, Hoffman Estates, Carpentersville, Udina, Huntley, Gilberts, West
Dundee, Barrington, Cary, Palatine, Lake Zurich, Libertyville, Wauconda, Inverness, Elk Grove
Village, Itasca, Addison, Lombard, West Chicago, Villa Park, Elmhurst, Oak Brook, Highland
Hills, Downers Grove, Woodridge, Bolingbrook, Darien, Oswego, Yorkville, Sugar Grove, Joliet,
Romeoville, Algonquin, Buffalo Grove, Arlington Heights, Roling Meadows, Mount Prospect, Des
Plaines, Bensenville, Homer Glen, La Grange, Northbrook, Skokie, Evanston, Cicero, Berwyn,
Oak Lawn, Burbank, East Chicago, Waukegan, Mundelein, Deerfield, North Chicago, Newark,
Sheridan, Morris, Ottawa, Sandwich, Serena, Waterman, Rochelle, Marengo, Oak Lawn,
Englewood, Calumet Park, Roseland, Landsing, Dolton, Calumet City, South Holland, Riverdale,
Glenwood, Chicago Heights, South Shore, Burnham, Oak Forest, Bedford Park, Hazel Crest,
Alsip, Palos Hills, South Chicago Heights, Orland Park, Kane County, McHenry County, Dupage
County, Kendall County, De Kalb County, Will County, Lake County, and Cook County, IL. We
also offer auto insurance policy services throughout the state of Illinois, including in Moline,
Rockford, Peoria, Springfield, Bloomington, Decatur, and Champaign, IL.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.
This coverage comes into play when an at-fault driver has auto or motorcycle liability insurance,
but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages, and other
damages when you or your passengers are injured in an accident caused by a driver who has
insufficient auto or motorcycle insurance coverage. Illinois auto insurance coverage typically pays
the difference between the coverage limit you select and the other driver's bodily injury coverage
limit. This is not a required auto insurance coverage in Illinois.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has insufficient auto
insurance coverage. This coverage pays the difference between the coverage limit you select and
the other driver's property damage coverage limit. This is not a required coverage in Illinois.
Illinois Auto Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for an Illinois Auto Insurance policy
that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with
our Illinois Auto Insurance agent specialist toll free at (877) 232-9899 to discuss the policy
features.
Covers damage caused to the insured's auto (your automobile) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is
the amount you choose to pay upfront (if any) before the auto insurance policy pays. The
higher the deductible chosen the lower the comprehensive coverage cost within the Illinois
auto insurance policy.
Covers damage caused to the owners auto from a collision caused by another auto or other
object. The deductible is the amount you choose to pay upfront (if any) before the auto
insurance policy pays. The higher the deductible chosen the lower the collision coverage cost
within the Illinois auto insurance policy.
Illinois Auto Insurance Policy FAQ
Illinois Auto Insurance Policy FAQ
Illinois Auto Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an auto
insurance policy. The minimum liability insurance coverage available for purchase in Illinois is
20/40 and is explained in detail below. However, we recommend that you choose liability
insurance coverage amounts that are much higher than the minimums listed below. Contact us
toll free at (877) 232-9899 to discuss what liability coverage amounts you require to meet
your family and personal needs.
Illinois Liability Coverage limits explanation:
20/40/15 20=$20,000 - 40=$40,000 - 15=$15,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle, car,
truck, fence, or house, is covered through property damage auto insurance coverage. This
coverage also assists in protecting you if a lawsuit arises from an accident. The minimum
coverage amount in Illinois is $15,000.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental and
rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces
and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury suffered in an
accident.

$5,000 death benefit
Illinois Auto Insurance Policy FAQ
Illinois Auto Insurance Policy FAQ
Illinois does not require "No Fault" insurance coverage. This coverage pays medical bills for injuries
suffered in an auto accident regardless of who caused the accident.
Medical payments coverage pays for the medical and funeral expenses for you or others hurt or
killed in an accident while riding in or driving your car or truck. Claims against this coverage
include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing,
prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by
a car when you are walking or if you are riding in another car or truck. This coverage will pay for
your medical and funeral expenses even if you cause the accident. The coverage is often limited to
medical care you get in the first one, two, or three years after the accident and is limited to a
specific dollar amount. This is not a required Auto Insurance coverage in Illinois.
Illinois Auto Insurance Policy FAQ
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver
who has no auto liability insurance. This coverage is required for auto insurance in Illinois. Contact
us toll free at (877) 232-9899 to discuss what uninsured coverage amounts you require to meet
your family and personal needs.
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Having a teenager included on your auto insurance policy will always cost substantially more, but
there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's are
more prone to accidents, especially ones caused by speeding. A disproportionate number of
teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at their
high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto insurance
if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as they
get older.
Auto Insurance endorsements are policy extras for services such as towing insurance, auto glass
insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose these
services for the added security and convenience they provide.
Illinois Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a covered
event.
Illinois Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is often
combined with auto towing coverage and called Roadside Emergency Towing Insurance.
Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs
received at the garage or other repair location.
Illinois Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your car is
required.
Illinois Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by the insurance
agent? Learn about the different important sections in every auto insurance policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it will
have been prepared especially for you. It will list the specific auto insurance coverages and
amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the payment of your
auto insurance premium. The type and amounts of each coverage you've purchased is described
in detail and also outlines exactly who is covered under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that would free the
insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the insurance
company from having to pay in the case of intentionally caused damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim situation. Will
include guidelines for contacting the insurance company, obtaining a police report, and filing a
claim. Information on auto insurance policy cancellation will be outlined here, too.
Click on the link below to fill out a secure quote request form for an Illinois Auto Insurance policy
that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with
our Illinois Auto Insurance agent specialist toll free at (877) 232-9899 to discuss the features in
more detail.
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Illinois Auto Insurance Policy