Uninsured Motorist Bodily Injury Coverage (UM)

Despite driving precautions, motor vehicle accidents continuously happen everyday. According to the Illinois Department of Transportation (IDOT), in 2018, the state had 319,146 motor vehicle crashes. Of which, 21.1% or 67,453 were injury crashes.

Under the Illinois Insurance Code, apart from securing liability coverage which serves as a primary auto insurance, drivers must also have an Uninsured Motorist (UM) Bodily Injury Coverage. This type of insurance is another required auto insurance coverage that is strictly for vehicular accident injuries caused by a hit-and-run driver or an at-fault driver with no liability coverage.

Based on the Illinois State Law, Uninsured Motorist Bodily Injury Coverage is at least $25,000 for one person or $50,000 per accident. It is recommended to get a higher UM claim in case of claims exceeding the minimum required limit. If you are in the process of choosing your insurance carrier, here are Helpful Tips When Shopping For Insurance.

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