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Posted by on Sep 19, 2014 in Insurance | 0 comments

Car Insurance in Illinois

The state of Illinois follows the modified comparative fault which means that you can get compensation seven if you have some fault for the accident, but the amount will be deducted by the percentage that is equal to your share of liability. However, if your liability for the accident is over 50 percent, you will not be given compensation under the Illinois comparative negligence law. According to the website of Habush Habush & Rottier S.C. ®, it’s because of these laws that it is important to have car insurance to make sure that your well-being and property are covered in an event of an accident.

Because of the “fault” system that the state of Illinois follows, the person or persons who are liable for an accident is legally responsible for compensating those who have been injured or suffered property damage. This generally means that, directly or indirectly, the at-fault driver’s insurance company will cover for the damages and losses that the victims have gone through. Being the victim, you can get compensation is three ways: first is by filing a personal injury claim against the person or persons at-fault for the accident, second is by filing a claim to your insurance company (expecting that the loss is included), and lastly by filing a claim straight to the at-fault person’s insurance company. Chicago car insurance companies, just as with any companies is other states, have requirements. Illinois laws demand their motorists to have liability insurance, namely: $20,000 for death or injury of one person (whether you, a passenger, pedestrian, or another driver), $15,000 to cover for property damage, and $40,000 for injury or death or more than one person due to the accident.

As Habush Habush & Rottier S.C.® have determined, it is more expensive to NOT have insurance rather than having one. Accidents can be very expensive, and being in one without car insurance can cause serious financial issues to you and your family. Being a motorist, you shouldn’t be getting car insurance just because the law requires it, but because you need to be financially covered for possible medical and repair expenses to yourself and other people should an accident occur.

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