Required Auto Insurance & Minimum Limits in Illinois

• Confirm the declarations page, covered vehicle and actual liability limits.
• Identify mandatory UM coverage and determine whether higher UM/UIM limits were selected.
• Investigate owner, household, employer, commercial, umbrella and excess coverage when the facts support additional policies.
• Do not assume statutory minimums represent the total insurance available after a serious crash.

Primary Illinois Sources

• 625 ILCS 5/7-203 — Minimum Liability Limits
• 215 ILCS 5/143a-2 — UM/UIM Coverage

Current-law review: September 16, 2026. Confirm the policy actually issued and the governing law for the date of loss.