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OnQuote Insurance Blog

Why is Auto Insurance Important in Illinois?

Auto insurance is one of the most important aspects of owning a vehicle. If you don’t have auto insurance, you may find yourself liable for any damage your car causes to other people or property. Drivers in Illinois are required to have auto insurance, and there are several reasons it’s essential to have coverage.

The Law Requires Auto Insurance in Illinois

In Illinois, all drivers are required to have auto insurance. This is because auto insurance provides financial protection if you cause an accident. If you’re involved in an accident and don’t have insurance, you may be held liable for any damages your car causes. OnQuote Insurance can help you find the best auto insurance policy to meet the legal requirements in Illinois.

Vehicle Insurance Can Help With Medical Expenses

If you’re injured in an accident, your vehicle insurance policy may help pay for your medical expenses. Most vehicle insurance policies include personal injury protection (PIP) coverage. This coverage helps pay for your medical expenses, regardless of who is at fault in the accident.

Auto Insurance Can Help With Property Damage

If your car causes damage to someone else’s property, your vehicle insurance policy may help pay for the damages. Most vehicle insurance policies include property damage liability coverage. This coverage helps pay for the repairs or replacement of someone else’s property if you’re at fault in an accident.

Auto Insurance Can Help With Legal Expenses

Most vehicle insurance policies include legal expense coverage. If you’re involved in a legal dispute after an accident, your vehicle insurance policy may help pay for your legal expenses. Make sure you have the policy you need to protect yourself and your car.

If you’re looking for auto insurance in Illinois, be sure to contact OnQuote Insurance. We offer various coverage options, including personal injury protection, property damage liability, and legal expense coverage. Contact us today to get started.

Is Auto Insurance Required in Illinois?

If you have a vehicle, you know that you’ll likely need to have some form of insurance. New drivers in Illinois may not know for sure what insurance they’ll need. It can help to talk to an agent from OnQuote Insurance about what’s required in your situation. 

Auto Insurance in Illinois 

Do you need to have automobile insurance in Illinois? The short answer is yes. You are required to have basic liability insurance in an amount that’s appropriate for your vehicle. This protects you in the event that you get into an accident. 

At Fault Insurance 

Illinois goes by a fault system that means the individual who is considered to be an adult for causing the auto accident will be responsible for compensating people who were harmed in the crash. The at-fault party should have adequate insurance that will cover such losses up to the limits of their policy. They will be responsible for the costs of vehicle damage and compensation for injuries and other losses that arise from the accident. 

Auto Insurance Claims in Illinois 

In this state, the individual who has been injured or suffered damage from an auto accident can do one of the following things: 

  • File a claim with their insurance provider (as long as the loss is something that would be covered under their policy), after which the company likely will initiate a subrogation claim against the at-fault driver’s insurance provider
  • File a third-party claim directly with the insurance company of the at-fault driver
  • File a personal injury lawsuit against the at-fault individual in civil court 

When you want quality auto insurance and to know you’re getting the appropriate coverage for your needs, consider OnQuote Insurance of Illinois. We’ll help make it an easier process to get the insurance you need.