For over 50 years, United Auto Insurance has provided timbre, low-cost car policy coverage to drivers in Chicagoland and Northwest Indiana. United Auto Insurance works with every customer to provide car insurance policies that fit within their budget .
Liability car insurance is required in Illinois and Indiana. so, if you ’ re in the market for cheap indebtedness indemnity, and you want to save money, United Auto Insurance can help !
What is Liability Coverage?
indebtedness car indemnity is insurance that covers other parties if the person with indebtedness indemnity is at defect in an accident. It covers both place damage and medical expenses up to your policy limits if there ’ s an injure party. There are minimum limits for liability indemnity coverage, with the sum varying by department of state. We recommend that a customer purchases the liability indemnity that meets their needs and budget .
Do I need Liability Coverage?
If the police pull you over and you don ’ t have proofread of indebtedness policy, you could ultimately lose your driver ’ sulfur license and pay a large finely. But a worse situation is if you are at-fault in an accident and you don ’ t have indebtedness coverage. not only will you have legal problems, but you ’ ll be personally responsible for the damages you caused, including any property damage and any injuries.
Reading: Cheap Liability Car Insurance
Liability and property damage coverage protects other drivers american samoa well as pedestrians from any damage you cause. Your car insurance policy has coverage limits that you can choose based on your fiscal situation. Your indebtedness insurance will typically include the come that will be paid out per person equally well as in full. For case, if you have a bodily injury coverage of 50/100, that means that $ 50,000 is the limit to the measure paid out per person for medical expenses, pain, and suffer, with a specify of $ 100,000 per accident being the sum paid out .
Under a liability insurance policy, property damage provides coverage for the wrong caused to the other driver ’ randomness property. That may involve price to a vehicle or damage to property such as a postbox or traffic sign. once again, the coverage limits you choose come into play for any property price claim .
In the State of Illinois, you can legally drive if you have fomite liability indemnity in the follow minimum requirements :
- $25,000 – injury or death of one person in an accident
- $50,000 – injury or death of more than one person in an accident
- $20,000 – damage to property of another person
It ’ second authoritative to understand the state of matter minimal coverages equally well as your personal limits .
The minimal state coverage requirements are the jurisprudence, so you should never drive a vehicle without having this minimum floor of car indemnity coverage. For more information on the car policy coverage minimums in Illinois, you can visit the official web site of the Illinois Secretary of State .
Above and beyond liability insurance coverage
It ’ second important to note that any costs that exceed your liability coverage limits in an accident in which you are at fault are your province. That means that you could have to come up with the money out of your own scoop. This is why it may be a bright idea to increase your car liability limit coverages above what your department of state requires by law.
What isn’t covered by liability insurance?
property price to your car or property is not covered under liability indemnity coverage. besides, if you are injured in an accident, your liability coverage does not cover your aesculapian expenses. Rest assured, though, that United Auto Insurance provides collision and comprehensive coverage vitamin a well as extra checkup payments. so, it ’ south crucial to discuss your needs with a dependent representative BEFORE you purchase your coverage .
Does cheap car insurance mean cheap service?
In a word : NO ! For more than 50 years, United Auto Insurance has provided drivers in the Chicagoland area and Northwest Indiana with quality, low-cost rates. Our experience insurance professionals will come up with a cable car policy quote that meets your budget, without compromising quality and service .
even if you have a bad drive record, we can figure out a plan that works for you and keeps you legally on the road ! talk to a Customer Service Representative today and get more information on car insurance rates. .. Get A free quote !