Car Accident Lawyers Champaign | What You Need to Know About Illinois Auto Insurance Laws
If you live in Illinois and own a vehicle, state law requires that you carry auto insurance. These laws are designed to protect consumers in case of an accident, but dealing with insurance companies after a crash isn’t always easy. That’s where Kelly & Castagna, your trusted car accident lawyers Champaign, can help.
At Kelly & Castagna, we combine legal experience with genuine compassion. Our attorneys don’t just fight for compensation, we fight for people. We’re dedicated to making sure every client feels supported, respected, and cared for during what can be one of the most stressful moments of their life. Call 309-820-0600 today for a free consultation.
Proof of Insurance Is Legally Required
You’ll need to provide proof of insurance at several critical points, including:
- Registering your vehicle
- Renewing your driver’s license
- Vehicle inspections
- Traffic stops or after an accident
Since 2020, Illinois has also implemented the Electronic Liability Insurance Verification (ELIV) program. This allows the state to electronically verify your insurance status at least twice a year, reducing fraud and increasing compliance.
Failing to show proof of insurance may result in fines, license suspension, and increased premiums. If you’re involved in an accident without proper insurance, either on your part or the other driver’s, contact Kelly & Castagna, your car accident lawyers Champaign, for immediate legal help.
Illinois Auto Insurance Requirements
Under Illinois law, all registered and operating vehicles must be covered by liability insurance. This insurance is meant to cover injuries or property damage you may cause to others in a collision. The state minimum requirements for coverage are:
- $25,000 for injury or death of one person
- $50,000 for injury or death of more than one person
- $20,000 for damage to another person’s property
In addition, Uninsured Motorist Bodily Injury (UMBI) coverage is required. This protects you in the event you’re hit by someone who either has no insurance or insufficient coverage. UMBI coverage becomes especially important in cases involving hit-and-run drivers or underinsured motorists.
Why Insurance Matters And Why Legal Help Is Essential
Driving without insurance isn’t just risky, it’s expensive. You could be:
- Fined for not having the required coverage
- Sued for damages
- Denied a driver’s license after a conviction for being uninsured
Even when you are insured, dealing with insurance companies after a collision can be frustrating. They may try to minimize your payout or deny your claim altogether. That’s why it’s critical to work with a law firm that has deep knowledge of how insurers operate and the compassion to stand by you when you need it most.
At Kelly & Castagna, we’re not just legal advocates, we’re your partners through recovery. Whether you’re facing a denied claim or struggling to recover damages from an uninsured driver, our experienced, caring, and responsive legal team is ready to fight for what you’re owed.
Contact Kelly & Castagna, Your Car Accident Lawyers Champaign
If you’ve been in a car accident and are facing an uphill battle with an insurance company, or worse, dealing with an uninsured driver, don’t go it alone. Contact Kelly & Castagna, the car accident lawyers Champaign that residents trust. We’re experienced. We’re compassionate. And we’re here to help you get the compensation and peace of mind you deserve.
