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State Minimum vs. Better Protection: What Should Illinois Drivers Choose?
State minimum coverage keeps you legal by meeting the state’s minimum requirements, but it may not be enough to protect your finances in a serious accident. While these basic legal standards are required, many drivers opt for higher limits to ensure quality coverage that offers more comprehensive protection. Costs that can exceed minimum limits quickly include:
- Medical bills
- Multiple injured parties
- Newer vehicle repair costs
- Lawsuits and liability exposure
Many drivers choose higher liability limits because the additional cost is often smaller than people expect.
