Illinois requires your insurance to include this coverage, which covers repair costs for the other vehicle if you are at fault. However, this does not cover the cost of repairs to your own vehicle or personal property. Keep reading to learn about car accident property damage policies. Moreover, you’ll learn about what to do after receiving damage to your vehicle or rental car.
How much do I need to have?
In Illinois, vehicle liability insurance must have the following minimum amounts:
- $25,000 injury or death of one person in an accident
- $50,000 injury or death of more than one person in an accident
- $20,000 damages to property of another person
Drivers found at fault can be held responsible for the property damages that exceed the limit on their policy following an auto accident. This is because Illinois is a fault state. You may buy extra car accident property damage coverage so you can protect yourself from a scenario like this. You can get a license suspension, fines and jail time if you do not have the state’s required minimum coverage.
Need to know more about car accident property damage claim, such as how to file a property damage claim ? Our insurance agents and customer service team are here to help with your insurance claim needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
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*Please review your own policy carefully for details on coverage. Property damage coverage can vary by insurance company.