If you have a vehicle, you know that you’ll likely need to have some form of insurance. New drivers in Illinois may not know for sure what insurance they’ll need. It can help to talk to an agent from OnQuote Insurance about what’s required in your situation.
Auto Insurance in Illinois
Do you need to have automobile insurance in Illinois? The short answer is yes. You are required to have basic liability insurance in an amount that’s appropriate for your vehicle. This protects you in the event that you get into an accident.
At Fault Insurance
Illinois goes by a fault system that means the individual who is considered to be an adult for causing the auto accident will be responsible for compensating people who were harmed in the crash. The at-fault party should have adequate insurance that will cover such losses up to the limits of their policy. They will be responsible for the costs of vehicle damage and compensation for injuries and other losses that arise from the accident.
Auto Insurance Claims in Illinois
In this state, the individual who has been injured or suffered damage from an auto accident can do one of the following things:
- File a claim with their insurance provider (as long as the loss is something that would be covered under their policy), after which the company likely will initiate a subrogation claim against the at-fault driver’s insurance provider
- File a third-party claim directly with the insurance company of the at-fault driver
- File a personal injury lawsuit against the at-fault individual in civil court
When you want quality auto insurance and to know you’re getting the appropriate coverage for your needs, consider OnQuote Insurance of Illinois. We’ll help make it an easier process to get the insurance you need.