Uninsured/Underinsured Motorist Insurance in Illinois

Uninsured/underinsured motorist coverage is designed to help provide financial protection if you are involved in an accident with a driver who does not have auto insurance. These policies pay only up to their dollar limits.

In Illinois, insurers must include uninsured motorist coverage with auto policies. This coverage is designed to help pay for an uninsured at-fault driver’s liability for you and your passengers’ injuries.

This type of insurance is particularly important given the number of uninsured drivers on the road. Without it, you could be left to cover significant expenses out of pocket.

Exploring Underinsured Motorist Insurance

Underinsured motorist insurance comes into play when the at-fault driver’s insurance coverage is insufficient to cover the full extent of the damage. Illinois insurers must offer this coverage, although it is not mandatory for policyholders to accept it. Underinsured motorist coverage can be particularly valuable when the damage exceeds the at-fault driver’s liability limits.

For example, if you are involved in an accident and the at-fault driver’s insurance covers only a portion of your medical bills and other expenses, your underinsured motorist coverage can help bridge the gap. This additional layer of protection can be crucial in mitigating the financial impact of an accident.

You can also purchase uninsured motorist property damage insurance with or without collision coverage.

When considering underinsured motorist coverage, evaluate your risk factors and financial situation. While it may increase your premium, the added protection can provide significant benefits in the long run. Discussing your options with an insurance professional can help you determine the appropriate level of coverage for your needs.

Learn More

Contact Insure One Way to understand your uninsured/underinsured motorist coverage options and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.