Liability coverage helps pay for:

• Injuries to other drivers and their passengers if you’re at fault (bodily injury liability)
• Damage you cause to another person’s vehicle or property (property damage liability)

Liability coverage is what keeps you legally insured in most cases, but it doesn’t repair your own car after an at-fault accident.

Collision helps pay to repair or replace your vehicle after a crash—regardless of fault—subject to your deductible. It typically applies when:

• You hit another vehicle
• You hit an object (like a pole or guardrail)
• Your car rolls over

Your lender or leasing company may require collision and comprehensive coverage. Check its deductible and coverage requirements before changing your policy. Read more about lender coverage requirements.

Comprehensive helps cover damage to your vehicle from non-collision events, such as:

• Theft
• Vandalism
• Fire
• Hail / storm damage
• Falling objects
• Animal strikes (like hitting a deer)

Comprehensive is also subject to a deductible.

Uninsured motorist bodily injury coverage (UM) covers injuries caused by an at-fault uninsured driver or qualifying hit-and-run. Illinois requires at least $25,000 per person and $50,000 per accident.

Underinsured motorist bodily injury coverage (UIM) addresses an at-fault driver whose liability limits are lower than your UIM limits. Illinois requires UIM when you buy UM limits above 25/50. These are injury coverages, not automatic protection for damage to your car.

Review the official Illinois coverage guide and your policy limits with our agency.

Medical Payments (MedPay) is optional coverage in Illinois that can help with covered medical and funeral expenses after an auto accident, regardless of fault, up to the selected limit. Illinois does not require PIP as part of its minimum auto insurance requirements.

Ask how MedPay fits with your health insurance and other coverage before choosing a limit. See our Illinois auto insurance guide.