Illinois Uninsured & Underinsured Motorist Coverage

• Obtain the declarations page and every UM/UIM endorsement.
• Identify who qualifies as an insured under each potentially applicable policy.
• Review any rejection of UM limits above the statutory minimum and determine the resulting UIM protection.
• Analyze offsets, priority, anti-stacking provisions and settlement effects before releasing a liability claim.

Primary Illinois Source

215 ILCS 5/143a-2 — Additional UM and UIM Coverage

Current-law review: September 16, 2026. Illinois UM/UIM analysis depends on the liability limits, any statutory rejection and the policy actually issued.