Drivers caught without insurance risk having their license and registration suspended immediately, which can lead to additional reinstatement fees that often exceed the cost of the original insurance premium. The first figure, $25,000, applies to bodily injury liability per person.
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The Importance of Uninsured Motorist Coverage While liability coverage is mandatory, Illinois law also strongly emphasizes the necessity of protecting yourself against uninsured drivers. Without UM, you are left vulnerable if you are hit by a driver who lacks insurance or flees the scene of an accident.
If you injure one individual in an accident, your insurance will cover up to this amount for their medical costs and related damages. This coverage acts as your financial shield, paying for your medical bills and lost wages when the at-fault party cannot.
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The state requires a specific split of coverage limits, which is often expressed as 25/50/20. This shorthand notation details the maximum payout for bodily injury per person, bodily injury per accident, and property damage, respectively.
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