If you plan to be out driving the open roads, you have to have auto insurance in Illinois. Direct Auto Insurance offers the right amount of coverage to keep you legal on the roads.
Here are the financial responsibility requirements you will need to meet in order to drive legally on the roads of Illinois.
Illinois law requires that you have financial responsibility on all your registered vehicles and that you carry proof of insurance in all vehicles. The easiest way to maintain financial responsibility is with car insurance. The minimum liability limits required for car insurance in Illinois are:
In addition to liability coverage, you are required to carry uninsured motorist bodily injury coverage (UM) and underinsured motorist coverage (UIM). Your UIM coverage must be equal to your UM limits but if your UM limits are higher than the minimum financial responsibility limits, you can reject the higher limits. If you do not have collision coverage on your policy, your insurance company is required to offer you uninsured motorist property damage coverage, but you can reject this offer in writing.
If you plan on cruisin' the roads of Illinois, you need the safety net of motorcycle insurance. The required motorcycle insurance laws are the same as car insurance requirements:
Not all motorcycle insurance policies in all states cover passengers. Never assume that motorcycle guest passengers are automatically covered by motorcycle liability insurance. In fact, motorcycle passengers are not covered by default under many motorcycle liability insurance policies. Motorcycle Guest Passenger Liability (GPL) must be purchased in order to cover your passenger. This coverage will cover passengers if you are found to be liable or legally at fault.
Always practice safety precautions with a motorcycle. Safety gear and safe driving are important when riding a motorcycle. For more information, check out our motorcycle safety tips.
If you have more questions about the auto insurance laws in Illinois, feel free to visit us online, or call at 1-877-GO-DIRECT (1-877-463-4732).