Do I need uninsured motorist coverage if I have collision and comprehensive in Illinois?
Asked by: Meghan Gulgowski | Last update: April 14, 2025Score: 4.1/5 (66 votes)
Do you need uninsured motorist coverage if you have comprehensive?
California law does not require you to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage—so, legally, you don't need either one. However, UM/UIM is an important and commonsense coverage to carry.
Do I need uninsured motorist coverage in Illinois?
Currently, Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident. Covers damage to your vehicle caused by an identified, at-fault, uninsured driver. This optional coverage may be purchased with or without collision coverage.
Is it better to have uninsured motorist or collision coverage?
Here's why: Medical Expenses: Collision and comprehensive coverage do not pay for your medical bills. UM coverage can cover medical expenses, lost wages, and pain and suffering if you're hit by an uninsured driver.
Does having collision and comprehensive mean you have full coverage?
Is full coverage both comprehensive and collision? Yes, "full coverage" car insurance typically refers to carrying both comprehensive and collision in addition to any state-required auto coverages.
Is It Better To Have Collision Or Uninsured Motorist Coverage?
At what point is full coverage not worth it?
Your vehicle holds a low value: As with collision, consider dropping comprehensive coverage if your vehicle's market value is lower than a few thousand dollars. Figure in your deductible as well and the potential insurance payout may not be worth the price of the coverage.
Will my car insurance go up if I make a comprehensive claim?
Comprehensive claims
Depending on your insurance company and your state, your rate may increase for damage-related incidents that were out of your control.
Is it OK to not have uninsured motorist coverage?
Like UMC coverage, UIM coverage is a mandatory part of your car insurance policy in California unless you sign a written waiver. It is highly recommended since the minimum automobile insurance required in California is often too low to cover damages for all but minor fender benders.
Will insurance go up after uninsured motorist claim?
This is because when you cause an accident and have to make a claim to pay for damages caused to other people, your rates typically do increase. However, under California's proposition 103, insurance companies are not allowed to raise rates or drop a person because they made an uninsured motorist claim.
Why would you not want to have collision coverage?
Collision insurance only pays up to the current market value of your car, minus your collision deductible. Since older cars typically have a low market value, collision coverage won't pay out much, if anything, in a total loss. Be sure to research your car's worth before deciding on whether to drop the coverage.
What happens if an uninsured driver hits you in Illinois?
According to the Illinois Department of Insurance (IDOI), fault in Illinois is determined based comparative negligence. Basically, the driver whose negligence contributed the most to the accident will be held at fault for what happened, regardless of insurance status.
Is comprehensive coverage required in Illinois?
Collision is sold with comprehensive coverage, which provides protection if your vehicle is damaged by something other than a collision, such as your car being stolen or a light pole falling on your car when it's parked at night. This is not required by the State.
What states have mandatory uninsured motorist coverage?
Twenty two jurisdictions require uninsured motorist coverage (UM): Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia ...
What is the deductible for an uninsured motorist?
The amount of your UMPD deductible will vary based on your state. It usually falls in between $100-$1,000. Note that some states may have a separate deductible for hit-and-run claims. You may not have the option to choose your deductible amount for UMPD coverage.
What happens if you don't have full coverage on a financed car?
Lender Requirements: Many lenders mandate full coverage to protect their financial interest in the vehicle. If you fail to maintain the required coverage, the lender may impose force-placed insurance, which is often more expensive and offers minimal coverage.
What is the difference between full coverage and uninsured motorist?
Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance. There is no such thing as "full coverage" but people normally use that term to describe comprehensive and collision.
Which is better collision or uninsured motorist?
Deductibles: Collision coverage often comes with a deductible you're responsible for paying out of pocket before your insurer pays the rest. Uninsured motorist coverage usually has no deductible, making it a preferable option for immediate, out-of-pocket expenses.
What is the average cost of uninsured motorist coverage?
Uninsured motorist coverage costs around $50-$75 annually for bodily injury and property damage coverage. Like any type of car insurance, uninsured motorist premiums vary based on the policyholder's risk factors and how much coverage they purchase.
Do uninsured motorist claims go against you?
If you have an accident that is not your fault and then make a UM/UIM claim for that accident, you are within the two events allowed under this code section. The insurance company cannot raise premiums, cancel coverage or refuse to renew your policy.
What is the difference between comprehensive and collision insurance?
They differ in the types of incidents they cover. Collision insurance helps cover repairs if you collide with another vehicle or object. Comprehensive covers repairs that do not result from collisions – for instance, theft, vandalism, animal damage, fires, and more.
How do insurance companies go after uninsured drivers?
If the at-fault party is uninsured, the insurer may pursue subrogation against the driver personally.
What does uninsured motorist insurance cover Progressive?
If you're hit by a driver who's found at fault and has no insurance or insufficient coverage, uninsured/underinsured motorist (UM/UIM) coverage can pay for medical treatment for you and your passengers, as well as the damage to your vehicle.
How much should I put for comprehensive deductible?
How much comprehensive deductible do I need? Comprehensive deductibles can range from $100 to $2,000 in most states. The right comprehensive deductible amount for you depends on your preferences and needs for out-of-pocket costs and your overall insurance rate.
How long does a comprehensive claim stay on your insurance?
In California, accidents typically stay on your driving record for a period of three years from the date of the accident. During this time, the accident will be considered a public record and, therefore, accessible by insurance companies, potential employers, and law enforcement agencies.
What is accident forgiveness?
What is Accident Forgiveness? Available in select states, Accident Forgiveness is an auto insurance coverage option that potentially helps you avoid a rate increase after your first at-fault accident. Others on your policy can also benefit from Accident Forgiveness. But it can only be used once per policy.