Auto Insurance in Illinois

Illinois is one of the country's at-fault states that require drivers to have some level of mandatory auto insurance while on the road. However, differentiating this from optional coverage may prove difficult, resulting in more confusion for motorists driving within the Crystal Lake, IL region. To help with this, August Vincent Insurance Agency breaks down the various auto insurance options that will come in handy for your drives.

Liability Coverage

Liability coverage comes with two insurance features, with the first one being property damage. This protects other parties' property when you cause an accident and helps take care of the costs of repairs or replacement to vehicles and other damaged property. The second coverage is bodily injury liability that helps pay for other parties' injury costs, such as hospital bills.

Underinsured/ Uninsured Injury Liability Coverage

Underinsured/ uninsured coverage works hand in hand with liability coverage, with the state also requiring drivers to sign up for this policy. It helps pay for your costs of injuries and that of your passengers when an uninsured or underinsured driver causes an accident.

Medical Payments Coverage

If your injury liability coverage cannot fully cover your costs of injuries, medical payments coverage will kick in, acting as an optional cover that compensates you for injuries sustained. It caters to your medical expenses, helping you cut down on any out-of-pocket expenses.

Collision Coverage

Collision coverage pays for damages arising out of collision accidents. It will cover your repair and replacement expenses when involved in a collision with another vehicle or objects such as poles and buildings.

Comprehensive Coverage

Comprehensive coverage sets in when your vehicle gets damaged during non-collision accidents. Examples of these include fire incidents, hail, or vandalism. If your car is also stolen, comprehensive coverage will pay for your replacement costs.

If you need coverage within Crystal Lake, IL to help you meet your state requirements or need cover to protect yourself and your passengers, call August Vincent Insurance Agency today. Our Illinois or Iowa agents will help you customize auto insurance for your commuting needs.