Does insurance follow the car or the driver in Illinois?
Written and Reviewed by Michael Agruss
- Managing Partner and Personal Injury Lawyer at 844SeeMike.
- Over 20 years of experience in Personal Injury.
- Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.
In the State of Illinois, auto insurance follows the car. Drivers allowed to use the car, like a family member or anyone under the owner’s insurance, will be covered in case of an auto accident.
In case the owner loaned the vehicle to a friend, the owner will most likely foot the bill. When the policy has maxed out, the friend’s coverage may be tapped for the excess. You will, however, have to clear your arrangements with your friend or bring your friend to court to settle the coverage.
Because the auto insurance requirements in Illinois benefits the other party in case of an accident, you will have to get a Physical Damage Coverage or a medical expense policy for personal coverage. Keep in mind that additional coverage will raise your premium.
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Submitted Comments
Erin
1 year ago
Will you take a very small case with a possible judgement of $3,000 plus court fees? If not, can you direct me to who/department in the Illinois legislative I should contact to learn more on how changes can be made to Illinois auto insurance laws? The owner (insured with State Farm) and driver (not the owner) who rear ended my vehicle have found a loophole in the law and now I have to pay to have my vehicle fix when I was not the one responsible for causing the damage...simply by not answering their phones and avoiding taking responsibility for their actions. I have family friend going through a similar situation. The accident was in September and I am still pissed off. Thanks for listening to my rant.
Jodie
8 months ago
My mom and I were both involved in an collision. Through false information provided on a temporary Order of Protection, the guilty party obtained possession of my mom\'s truck. Next court date, we were able to have judge order the truck returned to my mom. When we went to pick it up from guilty party address, she chose to wreck my mom\'s truck into my mom\'s Jeep occupied by my mom and I. Guilty party was arrested and charged with aggravated battery with deadly weapon and criminal damage
However, Geico(guilty parties insurance provider)is trying to not take responsibility. This is ridiculous and crazy! I need some help and legal advice/representation to hold this guilty party accountable. I also would like to sue Sangamon Count for not asking for vehicle title for proof of ownership before granting guilty party the possession of my mother\'s truck. Guilty party should never have had possession of the truck in first place and couldn\'t have injured my mother and I and total both of my moms vehicles.
