Uninsured Motorist Coverage — Illinois
Uninsured Motorist Coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage activates when another driver causes a collision and either has no insurance or carries limits too low to cover your losses. It pays your medical expenses, lost wages, and vehicle repair costs up to your policy limits. Unlike collision coverage, it only applies when the other party is at fault and identifiable. Hit-and-run claims qualify if you file a police report within 24 hours and cannot identify the fleeing driver.
Who Needs Uninsured Motorist Coverage Insurance?
Drivers reinstating after suspension should carry uninsured motorist coverage because they cannot afford another at-fault loss that jeopardizes reinstatement. Drivers without collision coverage need this even more—if an uninsured driver totals your car, you have no other way to recover repair costs.
Multiply your annual cost by 10 to estimate your 10-year spend. If your license reinstatement depends on maintaining continuous coverage and avoiding claims, buy it even if your vehicle is low value—you're protecting your driving privilege, not just the car.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your uninsured motorist property damage limit and deductible—higher deductibles lower the monthly cost.
- ZIP code uninsured driver rate—Cook County and East St. Louis have higher uninsured rates and higher premiums for this coverage.
- Whether you stack coverage across multiple vehicles on the policy—stacking raises limits but doubles or triples the cost.
- Your liability and collision limits—carriers price uninsured motorist as a percentage of those base coverages.
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