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Whether you want cheap home insurance or the best home insurance, we have the answers to your home insurance questions.
Illinois Insurance Laws and Regulations
The Illinois Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their home and auto insurance. If you do not receive the service you expect from an insurer, you can file a complaint directly with the Department of Insurance. The state of Illinois does not make insurance complaint information available for consumers to use when making insurance purchase decisions.
A summary of the driving safety laws for the state of Illinois can be found at this linkThe information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Illinois.
The Illinois Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.
Illinois has minimum auto insurance amounts that are required by law. The table below shows the IL minimum car insurance limits.
Minimum Car Insurance Coverage Required in Illinois
|Bodily Injury, per person||25,000|
|Bodily Injury, per accident||50,000|
Resources Available to Consumers
The Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.
The Federal Emergency Management Agency (FEMA)is for disaster victims who are uninsured, underinsured or the victim of a flood.