The state of Illinois requires all drivers to purchase auto insurance—bodily injury and property damage coverage as well as uninsured motorist bodily injury coverage. The bodily injury and property damage insurance covers you if you cause a car accident in Rockford that hurts someone or damages someone’s vehicle or other property. The uninsured motorist bodily injury insurance covers your injuries and property damage if an uninsured, at-fault driver causes the accident.
Insurance experts recommend purchasing more than the state-mandated minimums for bodily injury, property damage, and uninsured motorist bodily injury insurance. In addition to these insurance requirements, you may wish to consider purchasing the following optional types of auto insurance coverage:
- Comprehensive – covers your vehicle for damages that result from something other than a car accident in Rockford. For example, if your car is stolen, vandalized, or damaged by a storm, comprehensive coverage will pay to have it repaired or replaced. This coverage is subject to a deductible that you choose when you purchase the insurance. If you are making payments on your car, your lender may require that you carry comprehensive coverage.
- Collision – pays for damage to your vehicle that occurs when you collide with another vehicle or object in a car crash in Rockford. This coverage is subject to a deductible that you choose when you purchase the insurance. If you are making payments on your car, your lender may require that you carry collision coverage.
- Medical Payments – also known as Med Pay pays the medical bills, up to a specified amount, for you and your passengers, no matter who caused the Rockford car accident.
If you were severely injured in a car accident due to the negligence of another driver, you need solid legal advice. Our knowledgeable and experienced personal injury attorneys regularly help accident victims obtain the compensation they deserve for their injuries—they may be able to help you too. Contact The Fisk & Monteleone Law Firm today at 888-716-7336 or fill out our online contact form to schedule a complimentary case evaluation with a highly qualified Rockford car accident attorney.