What insurance is required for a rental car in Illinois?
**In Illinois, the state requires all rental cars to have liability insurance coverage. This means that the rental company must provide at least the minimum liability coverage required by law, which is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage.**
FAQs
1. What happens if I don’t have my own car insurance?
If you don’t have your own car insurance, you can still rent a car in Illinois. The rental company will include the minimum liability coverage required by law in the rental agreement.
2. Can I use my own car insurance for a rental car in Illinois?
Yes, you can use your own car insurance to cover a rental car in Illinois. Check with your insurance provider to see if your policy includes rental car coverage.
3. Is collision insurance required for a rental car in Illinois?
Collision insurance is not required by law in Illinois, but it is highly recommended. It covers damage to the rental car in the event of a collision.
4. Does rental car insurance cover theft in Illinois?
Yes, rental car insurance typically covers theft in Illinois. Make sure to read the rental agreement carefully to understand the coverage provided.
5. Do credit cards provide insurance for rental cars in Illinois?
Some credit cards offer rental car insurance as a benefit, but coverage can vary. Check with your credit card issuer to see if rental car insurance is included.
6. Is personal injury protection (PIP) insurance required for rental cars in Illinois?
Personal injury protection insurance is not required for rental cars in Illinois. This type of coverage pays for medical expenses for you and your passengers in the event of an accident.
7. Does rental car insurance cover my belongings inside the car?
Rental car insurance typically does not cover personal belongings inside the car. Check with your insurance provider to see if your homeowner’s or renter’s insurance policy covers personal belongings in a rental car.
8. Can I purchase additional insurance for a rental car in Illinois?
Yes, you can purchase additional insurance coverage from the rental company for added protection. This may include coverage for roadside assistance, lost keys, or supplemental liability insurance.
9. Are there any age restrictions for rental car insurance in Illinois?
Most rental car companies in Illinois require drivers to be at least 21 years old to rent a car. Young drivers under 25 may be subject to a daily surcharge.
10. Does rental car insurance cover additional drivers in Illinois?
Rental car insurance typically covers additional drivers as long as they are listed on the rental agreement. Additional fees may apply for adding extra drivers.
11. What does uninsured/underinsured motorist coverage do for rental cars in Illinois?
Uninsured/underinsured motorist coverage protects you in case you are involved in an accident with a driver who has insufficient or no insurance. It is not required in Illinois, but may still be a good idea to have.
12. Can I decline insurance at the rental car counter in Illinois?
Yes, you can decline insurance at the rental car counter in Illinois if you have coverage through your own insurance policy or credit card. Be sure to understand the risks of declining coverage before making a decision.