Auto Insurance
The state of Illinois requires all vehicle owners to carry auto insurance. However, determining the type of policies, liability limits, and optional coverage to purchase can get overwhelming. At Sutkay Insurance Group of Illinois, we can cut through the confusion to make sure you get the auto insurance coverage that you need. If you already have auto insurance, we can review your policy to make sure you have the right protection against accident-related losses.
Illinois Insurance Requirements
Illinois requires all vehicle owners to carry a minimum amount of liability insurance that covers:
- Bodily injury or death to one person per accident
- Bodily injury or death to two or more people per accident
- Injury to or destruction of someone else’s property per accident
Additionally, the state requires liability insurance to include uninsured motorist coverage. Having uninsured motorist coverage protects you if you are involved in a crash caused by a driver who does not have auto insurance. The policy also covers you in hit-and-run accidents. The limit of your uninsured motorist coverage equals the limit of your liability insurance.
Optional Coverage
To further protect yourself and your vehicle, you can purchase additional policies such as:
Collision - This insurance pays to repair or replace your vehicle after it collides with another car or into an object, such as a tree or a fence.
Comprehensive - This insurance pays to repair or replace your vehicle when it is stolen, vandalized, catches fire, or in any other situation that does not involve colliding with another vehicle.
Get an Auto Insurance Quote Today
To estimate your auto insurance costs for required and optional coverage, use our online rating tool to get a quote. You can also visit us to see whether you have the right auto insurance that provides the protection you need for you and your family.
Have questions or concerns about auto insurance? Call the office of Sutkay Insurance Group in Illinois today.
