Liability Coverage

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Liability insurance is required for all car, including antique cars. Having liability insurance protects you from financial losses that may result from a car accident and keeps you in compliance with state law.

Types of Liability Coverage

Liability insurance is required in the state of Illinois for classic cars. 

Liability insurance has two types of coverages.

Bodily injury coverage pays for injuries suffered to others in an accident you were found at fault for.

Property damage coverage pays for damage you cause to property in an accident.

Liability Coverage Limits

Each state has its own set of minimum limits your car insurance policy must meet. The policy limit is the maximum amount your car insurance company will pay out in a claim.

In Illinois, cars must have the following minimum amounts in vehicle liability insurance:

  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
  • $20,000 for damages to property of another person

A classic car is not your typical run-of-the-mill car. Increasing policy limits and adding additional endorsements, especially collision and comprehensive coverage, is a great way to make sure your car is fully protected.

Do you need more information about liability insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on liability insurance. Liability insurance varies by insurance company.