This is something set by the state and is often called Liability or State Minimum Liability. This usually includes Bodily Injury, Property Damage, and Uninsured Motorist coverages. The lowest level of coverage that we offer is the State Minimum. This keeps you driving legally. In Illinois, you are not required to purchase Uninsured/Underinsured Motorist coverage. However, it is considered so important that when you purchase auto insurance, you must specifically reject this coverage IN WRITING to not purchase it.