Uninsured Motorist Coverage — Illinois
Uninsured Motorist Coverage pays your medical bills and lost wages when you're hit by a driver who has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage steps in when the at-fault driver has no liability insurance or can't be identified after a hit-and-run. It pays your medical expenses, lost income, and in some states your vehicle damage. Illinois law requires every carrier to offer this coverage when you buy liability, but you can refuse it by signing a rejection form.
Who Needs Uninsured Motorist Coverage Insurance?
If you're reinstating your Illinois license after a suspension and the DMV requires you to carry liability insurance or file an SR-22, strongly consider keeping Uninsured Motorist Coverage. Suspended drivers often drive older vehicles and carry minimum liability limits, which means a hit-and-run or collision with an uninsured driver could leave you with thousands in medical bills and no way to recover the cost.
Compare your health insurance out-of-pocket maximum to the cost of UM coverage. If your health coverage is strong and you have income protection, the savings from refusing UM may outweigh the risk — but only if you're willing to sign the waiver and accept that you can't recover from your own carrier if an uninsured driver injures you.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your ZIP code's uninsured driver rate — counties with higher percentages of uninsured motorists see slightly higher UM premiums because the statistical likelihood of needing the coverage increases.
