Auto Insurance

In Illinois, there are thousands of miles waiting to be driven. But even as you prepare to get behind the wheel, you need proper auto insurance from Preferred Group Insurance Agency Inc. to ensure you hit the road without worrying about accidents. However, before getting yourself coverage, below is a rundown of what you need to know about auto insurance.

Is auto insurance mandatory in Illinois?

Yes, it would be best to have auto insurance in the Prairie State when driving on public roads. Without valid insurance, you are at risk of fines and penalties that include license suspension. Illinois requires drivers to carry the below car insurance coverages:

• Bodily injury liability: This coverage safeguards you against accidents that you cause to third parties. It covers medical costs for injuries you sustain to other people.
• Property damage liability: Helps cover for property damage costs you cause to other people’s vehicles, buildings, and other properties.
• Uninsured motorist coverage: It safeguards you in hit-and-run situations – where the other motorist is responsible for the accident but goes unidentified. Additionally, this coverage pays for your medical costs for injuries you sustain in an accident involving an uninsured motorist at fault.

Optional auto insurance coverages

While it’s essential to adhere to the state minimums for compliance, these coverages are never enough. Therefore, most motorists consider the below optional coverages for well-rounded protection.

• Comprehensive coverage: Safeguards your car from physical damage or loss resulting from non-collision perils like theft, fire, vandalism, hail, storms, and so forth.
• Collision coverage: Pays for your vehicle’s damage costs and replacement in case of a total loss when involved in an accident.
• Medical payments coverage: Pays for medical expenses, funeral expenses, and partial loss of wages for you and your passengers when involved in an accident.
• Roadside assistance coverage: Provides services like towing, gas delivery, battery jump-starting, and puncture repair when your vehicle breaks down away from home.

Are you shopping for auto insurance in Illinois? Please consider Preferred Group Insurance Agency Inc. for all your home insurance options. Contact us today, and we will help you safeguard you and your car.