Liability Coverage


Liability insurance is a must have for all cars, including antique cars. Having this insurance protects you from financial loss. In the event that there’s a car accident. It also keeps you in compliance with state law.

Types of Liability Coverage

Liability insurance is required in the state of Illinois for classic cars. 

Liability insurance has two types of coverage.

Bodily injury coverage pays for injuries suffered to others in an 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.

In Illinois, cars must have the following minimum amounts in vehicle liability insurance:

  • $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.

Do you need more information about 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.

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