Uninsured Motorist (UM) coverage is not required by law, but it is a critical component of a balanced insurance policy. This coverage acts as your financial shield, paying for your medical bills and lost wages when the at-fault party cannot.
Understanding Illinois Minimum Liability Insurance Requirements and Coverage
For example, if you have two cars each with a $100,000 UM limit, you could potentially access up to $200,000 in coverage if you are injured by an uninsured driver. This limit applies to all injured parties combined.
The second number, $50,000, is the total bodily injury liability cap per accident. Without UM, you are left vulnerable if you are hit by a driver who lacks insurance or flees the scene of an accident.
Understanding Illinois Minimum Liability Coverage Requirements
Consequences of Driving Without Insurance Failing to maintain the state's minimum insurance requirements carries severe penalties that extend beyond the initial fine. The first figure, $25,000, applies to bodily injury liability per person.
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