As a responsible driver in Illinois, you need to have auto insurance. It protects other drivers from a mistake you might make, and it also protects you if you have the correct insurance. To get the right auto insurance for you and your vehicle, FJP Insurance Agency Inc. will ask you the right questions, make suggestions, and offer explanations about the type of coverage you require.
In Illinois, liability coverage is required, and the required amount is 25/50/20. That means you are responsible for one person injured in an accident, and they are covered for $25,000 in injuries and a total of $50,000 for all injuries in the accident. $20,000 is for property damage. This is mandatory, but it may not necessarily be what is right for you.
You must have additional coverage if you lease your vehicle or have an auto loan. The vehicle needs to be protected, so you need collision and comprehensive coverage.
Types of auto insurance coverage
Collision covers actual collisions where you are responsible for the damage to your vehicle. It can also be a one-vehicle collision, a collision with an uninsured motorist, or a hit and run.
Comprehensive coverage is non-collision coverage, which helps repair or replace your vehicle if it is stolen or vandalized. If it is damaged in a flood, something falls from the sky like a limb or hail. It covers damage from hitting a deer, replaces a windshield that is cracked or chipped, and even flood damage.
If you reside in Illinois, FJP Insurance Agency Inc. can help ensure you have the mandated auto insurance and what makes sense to you. You can call us or stop by for a no-obligation quote or use the tool on our website to get a free quote.