Like most other states, Illinois has insurance requirements if you want to drive in their state. This protects all motorists from an accident they may not have caused. The state lays out mandated amounts that it feels make sense and your insurance agent makes sure that you meet those requirements. At Cusack Insurance Agency in Oak Lawn, IL, we have access to more than a dozen insurance carriers, which allows us to give our customers more choices. With more options, it’s easier to find just the right policy for you.
Auto Insurance Facts
To comply with the law in Illinois, drivers must have liability insurance in the amount of 25/50/20. This is the lowest amount you must have to comply with, but it isn’t necessarily the right amount for you. Talking to your insurance agent will allow you to have coverage that makes sense with the number of assets you have. If the injuries in the accident go above the basic amount, you could find yourself owing a lot of money.
But other requirements don’t come from the state of Illinois. They come from the holder of your auto loan or the lease on your vehicle. They own part or all of your car, and it needs to be protected. This requires two other types of coverage, collision and comprehensive.
Collision covers damage that happens in a collision. It can be a multicar collision or a one-car collision. It can be the result of a vehicle that doesn’t stop after it hits you. Comprehensive is many other things you have no control over that can damage your vehicle. It also covers the theft of your vehicle and covers the glass.
Give Us A Call
Contact Cusack Insurance Agency in Oak Lawn IL, with any insurance needs you may have. We are a full-service independent insurance agency.