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It’s Insurance Awareness Day. Do You Have Enough Car Insurance?

Written by Jared Staver

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Jared Staver is a Personal Injury Lawyer based in Chicago, Illinois and has been practicing law for over 20 years.

Jared Staver

CATEGORY: Auto Accidents, Insurance


With Insurance Awareness Day approaching on June 28, it is important to understand your insurance, what it covers, and what it does not. Car accidents can be a large expense, but with the proper insurance and knowledge thereof, you can be sure to gain the most compensation possible for your losses.

If you find yourself in a car accident due to another driver’s actions, the lawyers with Staver Accident Injury Lawyers, P.C. can evaluate your case and help you pursue compensation. Call today for a free consultation at (312) 236-2900.

Insurance Minimums in Illinois

The state of Illinois requires each driver to have both liability insurance and uninsured motorist coverage.

Liability insurance covers expenses associated with any damages or injuries to others from an accident you caused. It does not cover expenses for your own personal injuries or damage. The following insurance minimums are required in Illinois:

  • $25,000 per individual for a physical injury
  • $50,000 total per accident injury
  • $20,000 for all property loss

Uninsured motorist coverage covers your expenses for injuries and property damage along with any injuries or damages sustained by your passenger(s) where the other driver did not carry insurance. The following minimums are required:

  • $25,000 per individual
  • $50,000 per accident in total

Comprehensive insurance covers your damages if you are involved in an accident that you cause; however, it is not required.

Accident Costs in Illinois

In 2013, deaths resulting from car accidents cost a total of $44 billion in work loss and medical expenses in the United States. In the state of Illinois, motor vehicle accidents in total that year accounted for 27 percent of road injuries and cost the state $380 million.

The average cost of a death in a car accident is $1,130,000, while the average cost for property damage from a motor vehicle accident is $7,500. Injuries caused by auto accidents cost on average $11,900, and the typical cost for a debilitating injury is $65,000.

Is Minimum Insurance Enough?

The majority of automobile accidents surpass the insurance minimum, which means you will be paying out of pocket for injuries and property damage. Car accidents that are classified from moderate to severe can cost at minimum $100,000, thus far exceeding minimum insurance coverage. Higher insurance coverage does not have to be incredibly expensive and can be as low as an extra $10 a month to double your coverage with some companies.

A Lawyer Can Help

A car accident can cause injuries, property damage, financial strain, and emotional worry. By educating yourself on your car insurance and what coverage is best for you, you can rest easy knowing you are taken care of.

If you, unfortunately, find yourself in a motor vehicle accident because of someone else’s actions, Staver Accident Injury Lawyers, P.C. can review and assist you with your case. Call us to schedule your free consultation at (312) 236-2900.

Free Consultation
(312) 236-2900
(312) 236-2900
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