Liability Coverage

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Antique Car Liability Coverage

Auto liability insurance is a must have for all cars, including antique cars. Having antique car liability coverage protects you from financial loss if there’s a car accident. It also keeps you in compliance with state law.

Types of Liability Coverage

Auto liability insurance coverage is required in the state of Illinois for classic cars. There are two types of auto liability coverage.

Bodily injury coverage: Pays medical expenses for injuries suffered to others in a covered accident you are at fault for.

Property damage coverage: Pays for damage you cause to property in an accident.

Liability Coverage Limits

Each state has its own set of limits your car insurance policy must meet. For instance, the policy limit is the maximum amount your car insurance company will pay out in a claim.

Some states require, including Illinois, that cars have specific minimum amounts in vehicle liability insurance. See the state minimum amount your insurance is required to have below:

  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
  • $20,000 for damages to property of another person

A classic car is not your typical run-of-the-mill car. A great way to also make sure your car is protected, is by increasing policy limits. For instance, you can add endorsements to increase protection. Collision and comprehensive coverage are especially useful. Call us for any questions you have about your liability limit, as well as repairs or replacement parts.

More Information

Have more questions about classic car insurance, medical bills, or total loss? Need more information about antique car liability insurance? Our agents and customer service representatives are here to help. 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.

We also have a strong presence on social media. So, like or follow us on TwitterFacebookInstagramPinterest, or YouTube. After that, we can keep you updated on helpful topics and local news.

Lastly, we also have blogs that may help you with any collector car insurance questions you have. For instance, our blogs cover many different topics. From how to keep your car cool in the summer, to whether or not an antique automobile is a good investment.

*Please review your own policy carefully for details on liability insurance. Liability insurance varies by insurance company.