Illinois Car Insurance: 4 Questions That Matter to New Drivers

Posted on May 5 2018 - 1:00am by Admin

car key on an auto insurance policyAre you a new driver in Illinois? Before you try to hit the road, you need to know a couple of things first. For example, do you know your minimum liability requirements? How about the types of insurance to get? Check out the following FAQs answered with the help of Oxford Auto Insurance to get more ideas:

1. Is it mandatory to have a car insurance policy in Illinois?

The answer is yes. Besides that, you also need to have uninsured motorist coverage. It is a policy that kicks in if you happen to meet an accident and the driver at fault doesn’t have any insurance at all.

2. How much is the auto insurance policy in the state?

Many factors can affect the premiums you pay for the car insurance. These can include your age, gender, age and model of the vehicle, features of the car, and driving records. For example, based on data, men tend to have a higher premium than the women.

The assumption is that women are more careful drivers. Teens often have expensive premiums than their parents. On the average, though, it’s never more than $820 per year, which makes the state one of the cheapest. You could also pick different packages or customize your plan.

3. How much should be your coverage?

The state has minimum requirements when it comes to the limit. For property damage, it’s at least $20,000. For bodily injury, the minimum limit is $25,000 per person who met an injury. The lowest amount for an uninsured coverage is the same as the bodily injury limit.

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4. Who is at fault in a car accident?

The state follows the tort liability. The person seeking compensation should not have the worse fault than another party. It also adheres to modified comparative negligence. The jury or the judge determines the percentage of the fault.

If you, for example, are the one making the claim, your fault should not be 50 percent or more. Otherwise, you may not get any compensation. On the other hand, the non-fault percentage determines the worth of your compensation.

Driving is both a right and a duty. You have the free will to use the road, but you also have the responsibility to make sure you have enough protection. This insurance is not only for you but also for the other road users, whether they are pedestrians or fellow drivers.