Uninsured Motorist Coverage

Illinois requires you to purchase uninsured motorist limits (or coverage) of at least $25,000 per person and $50,000 per accident. Underinsured motorist coverage is included if you purchase higher limits of uninsured motorist coverage.

Uninsured Motorist Coverage

If you are in an accident caused by an individual who does not have auto insurance, uninsured motorist coverage provides coverage for injuries to you and your passengers. (Uninsured Motorist Property Damage coverage, which covers the damage to your vehicle, is purchased less often.)

Underinsured Motorist Coverage

This coverage is different from uninsured motorist coverage. It covers injuries to you and your passengers in the event that someone whose auto insurance policy does not cover your expenses hits your vehicle. In this case, your insurance company covers the expenses that exceed the limits of the other driver’s policy. (Underinsured Motorist Property Damage coverage, which covers the damage to your vehicle, is purchased less often.)