Liability Insurance


Liability insurance is required by law in Illinois for commercial vehicles. Vehicle liability insurance includes bodily injury coverage and property damage coverage. This insurance coverage protects a driver from financial liability from  injuries or damage to other people or property if the driver is found at-fault for an accident.

Bodily injury coverage will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to policy limits.

Property damage will pay to repair or replace damaged physical property, up to policy limits.

Liability insurance also will pay for your legal defense costs if a driver is sued.

Liability insurance requires you to select limits. These limits determine the maximum amount your insurance company will pay if you need to use the insurance coverage. Limits may be split limits or a combined single limit.

In a commercial auto policy, if one car has liability insurance, all the cars on the policy must have it. The limits must be the same for every car on the same policy.

Each state has its own liability insurance minimum requirements that must be met.

Do you need more information about commercial auto 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 your commercial auto coverage. Coverage options vary by policy and provider.