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Understanding Illinois Automobile Insurance Laws Illinois automobile insurance laws are designed to protect the state from any financial loss in the event of a car accident, and they also allow drivers to legally drive on the roads in the state. With Illinois laws, you may need to carry insurance to cover the cost of damages to your car if you are at fault, but there are many ways to protect your car, even if you're not at fault. Car insurance can be expensive, and there is a minimum amount you will need to pay out-of-pocket for damage to your vehicle. This deductible is usually determined by the type of car you own and will be reflected on the policy. If you have to use another vehicle, or have one stolen, you could end up paying more money than you expected because of these factors. Your car insurance company is the one that decides how much coverage to provide you, based on your specific driving record, age, and the number of cars you drive each year. Some insurers provide discounts for young drivers who are careful about the way they drive. If you have never had an accident or are a safe driver, you can generally get a discount. For collision coverage, the state requires all drivers to carry at least the minimum amount of liability insurance required by law. However, if you are at fault, you must pay for all damages to your car, as well as medical expenses that are related to it. You may also have to pay up to double the amount of the deductible on the other driver's policy if you were at fault. This means you could end up with a substantial cost for damages. There are also limits on the types of accidents that will cause you to need to carry accident insurance. If you hit a stationary object or a person, the limit is two hundred dollars. If you hit another car or pedestrian, the limit is one thousand dollars. If you have ever been in an accident, you know what a hassle it can be. It can take hours to get to the doctor and you might need to get an ambulance, too. Medical bills, damages to your vehicle, and even jail time can all add up to a great deal of money. If you have an accident while you are driving, the best thing to do is to talk with your insurance company about getting a policy that includes comprehensive coverage. Liability coverage will pay for repairs to your vehicle after it has been damaged in an accident. If you hit another car or a pedestrian, this coverage pays you for repairs to your car if it is totaled or stolen. Even if you cause an accident on purpose, you can still have this coverage paid for in the event of a collision. Comprehensive and collision coverage also protect you in the event of an accident. With this coverage, if someone gets into an accident with your car, your policy will help to repair the car, and pay for medical expenses related to it. If your car is totaled, the insurance company pays for the cost of your vehicle. In addition to the types of coverage mentioned above, you may also need to have liability coverage for personal injury claims. temporary car insurance for 18 year olds pays for injuries to yourself or another individual, if you are at fault for an accident. Liability is usually a minimum amount, but can be higher depending on how much coverage you choose. Most auto insurance policies will have limits on the amount of coverage that they provide for these types of issues. You should always discuss these limits with your provider before you sign anything. Illinois residents should be aware that they may not be covered by their state's minimum insurance requirements for other types of coverage if they are at fault for an accident. In many cases, such as those that happen at work, you will have to get additional coverage from your own insurance company.