Property Damage

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 the 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.

More Information

Need to know more about car accident property damage claims, 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 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.

We also have a strong presence on social media, so like or follow us on Twitter, Facebook, Instagram, or Pinterest. After that, we can keep you updated on helpful news and tips on things such as collision coverage, personal injuries, filing a claim, local events, and much more.

Additionally, we can help you find an insurance quote right on our website. Because we want to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself with many useful topics, such as injury claims, how to fix your car at a repair shop following a collision, what to do after a hit-and-run, etc.

Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different subjects. From how often you should shop for car insurance, to information on the Uber rewards program.

*Please review your own policy carefully for details on coverage. Property damage coverage can vary by the insurance company.