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Motorcycle Insurance Laws in Illinois

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There are some great riding routes in Illinois, such as the wine trails in the south, the Shawnee National Forest, and historic areas like the residences of Lincoln and Grant. Nonetheless, under state law, you require liability insurance to cover the costs of any physical injuries or property damage you cause to others in a road accident that you are responsible for. Illinois works on an “at-fault” basis, so you could be fined after a road accident if you don’t have suitable motorcycle insurance. If you are a repeat offender, your motorcycle plates will be suspended for at least four months.

The motorcycle insurance laws in Illinois require insurance policies to include $50k of coverage for the deaths of or injuries to two or more people in a road accident, $25k of coverage for the death of or injuries to one person in a road accident, and $20k of coverage per road accident for damage to property. Needless to say, many people struggle to meet the costs of these policies, but online comparison websites can be used to locate the most affordable rates.

Typically, a motorcycle injury lawyer in Rockford will recommend getting more coverage than the state’s minimum level to ensure that you are properly protected. Here are some of the types of policies to consider:

Comprehensive Motorcycle Coverage

This policy covers things like wind, fire, theft, vandalism, and water. If you don’t have this coverage, you might have to pay for a new bike yourself in the event of an off-road incident.

Coverage for Motorcycle Collisions

This covers your motorcycle for virtually all kinds of road accidents. It will not cover you for damage resulting from criminal acts or weather events. Only comprehensive coverage can offer this protection.

Underinsured/Uninsured Motorist Coverage

In Illinois, over 13 percent of motorists lack any kind of motorcycle or vehicle insurance. Given this large number of uninsured motorists, it is understandable that an uninsured driver policy is needed. In addition to the uninsured motorists on the roads, you should be concerned about underinsured drivers. An underinsured/uninsured motorist policy covers you in both situations.

Whenever you ride your motorcycle, make sure you carry the insurance card provided by your carrier. You have to show this to the police if they request it. In some states, motorcyclists who use helmets pay lower insurance premiums. This is not the case in Illinois, though, where motorcyclists are not legally obligated to use helmets.

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