Most states require drivers to buy car insurance. The logic behind this rule is that most people wouldn’t be able to afford to pay the damages that could result from a car accident. Imagine getting into a wreck with someone driving a really expensive car. Even if it was just a fender bender, the cost of repairing the other driver’s fancy ride could break your budget.
This equation works the opposite way too. Insurance is there to protect you in case you were involved in an accident caused by someone else’s negligence. But, what if that person’s insurance limits aren’t enough to cover your damages? After all, we can’t control what insurance policy the driver who hit us decided to buy.
This is where Illinois law steps in with a protection for insurance purchasers who find themselves in precisely this type of situation. But, it’s important to know the rules in order to make sure they’re working for you.