If you don’t have auto insurance, you could be responsible for paying an accident victim’s medical bills. Furthermore, you might be required to pay for the cost of repairing that person’s car or replacing other property that was destroyed in a crash. Let’s take a look at how to purchase a policy and if you should have protection in excess of Illinois minimum auto insurance requirements.
How to Buy an Auto Insurance Policy
You can choose to purchase coverage either through an agent or through an insurance company’s website. It may also be possible to make changes to an existing policy by visiting your online account. Most insurance companies have toll-free customer service numbers that you can call to ask any questions that you might have about buying coverage.
How Much Protection Do You Need?
To comply with Illinois minimum auto insurance requirements, you must carry at least $25,000 in bodily injury coverage per person and $50,000 per accident. Furthermore, the law requires that drivers have at least $20,000 in property damage coverage.
However, it is generally a good idea to have at least $50,000 in bodily injury coverage per person and $100,000 per accident. In addition to general liability protection, it may be worth adding collision, comprehensive and underinsured driver coverage to a policy.
If you’re in the market for a quality vehicle insurance policy, check out Accurate Auto Insurance. You can learn more about their products and services by visiting their website today.
