What Is Uninsured Motorist Coverage In Illinois?
So you think you’re up a creek without a paddle because the person who caused the motor vehicle accident did not have insurance? Thankfully, this is not true. Illinois law requires that your policy of insurance include Uninsured Motorist Coverage. What does this mean? It means that if you’re injured due to the negligence of an uninsured motorist, you have somewhere to turn. Your own policy of insurance must cover you for the extent of the recovery you would have been entitled to from the uninsured motorist (up to your policy limits, of course). And that brings up another issue. Your insurance company must offer you Uninsured Motorist (UM) Coverage equal to your liability policy limits. The cost is nominal and you should definitely do this. Really, why would you want to protect others more than you would protect yourself. The higher your UM limits, the greater your protection if you’re injured by an uninsured motorist.