For over 50 years, United Auto Insurance has provided quality, affordable car insurance coverage to drivers in Chicagoland and Northwest Indiana. United Auto Insurance works with every customer to provide car insurance policies that fit within their budget.
Liability car insurance is required in Illinois and Indiana. So, if you’re in the market for cheap liability insurance, and you want to save money, United Auto Insurance can help!
What is Liability Coverage?
Liability car insurance is insurance that covers other parties if the person with liability insurance is at fault in an accident. It covers both property damage and medical expenses up to your policy limits if there’s an injured party. There are minimum limits for liability insurance coverage, with the amount varying by state. We recommend that a customer purchases the liability insurance that meets their needs and budget.
Do I need Liability Coverage?
If the police pull you over and you don’t have proof of liability insurance, you could ultimately lose your driver’s license and pay a large fine. But a worse situation is if you are at-fault in an accident and you don’t have liability coverage. Not only will you have legal problems, but you’ll be personally responsible for the damages you caused, including any property damage and any injuries.
Liability and property damage coverage protects other drivers as well as pedestrians from any damage you cause. Your car insurance policy has coverage limits that you can choose based on your financial situation. Your liability insurance will typically include the amount that will be paid out per person as well as in total. For example, if you have a bodily injury limit of 50/100, that means that $50,000 is the limit to the amount paid out per person for medical expenses, pain and suffering, with a limit of $100,000 per accident being the amount paid out.
Under a liability insurance policy, property damage provides coverage for the damage caused to the other driver’s property. That may involve damage to a vehicle or a damage to property such as a mailbox or traffic sign. Once again, the coverage limits you choose come into play for any property damage claim.
In the State of Illinois, you can legally drive if you have vehicle liability insurance in the following minimum amounts:
- $25,000 - injury or death of one person in an accident
- $50,000 - injury or death of more than one person in an accident
- $20,000 - damage to property of another person
It’s important to understand the state minimum coverages as well as your personal limits.
The minimum state coverage requirements are the law, so you should never drive a vehicle without having this minimum level of auto insurance coverage. For more information on the auto insurance coverage minimums in Illinois, you can visit the official site of the Illinois Secretary of State.
Above and beyond liability insurance coverage
It’s important to note that any costs that exceed your liability coverage limits in an accident in which you are at fault are your responsibility. That means that you could have to come up with the money out of your own pocket. This is why it may be a smart idea to increase your auto liability limit coverages above what your state requires by law.
What isn’t covered by liability insurance?
Property damage to your car or property is not covered under liability insurance coverage. Also, if you are injured in an accident, your liability coverage does not cover your medical expenses. Rest assured, though, that United Auto Insurance provides collision and comprehensive coverage as well as additional medical payments. So, it’s important to discuss your needs with a qualified representative BEFORE you purchase your coverage.
Does cheap auto liability insurance mean cheap service?
In a word: NO! For more than 50 years, United Auto Insurance has provided drivers in the Chicagoland area and Northwest Indiana with quality, affordable car insurance. Our experienced insurance professionals will come up with a car insurance quote that meets your budget, without compromising quality and service.
Even if you have a bad driving record, we can figure out a plan that works for you and keeps you legally on the road! Talk to a UAI Representative today. . . Get A Free Quote!