Illinois Driving Permit Practice Test

What type of insurance is required to drive in Illinois?

1. Comprehensive insurance

2. Collision insurance

3. Liability insurance

4. Personal injury protection insurance

The correct answer is: Liability insurance

In Illinois, liability insurance is mandatory for all drivers. This type of insurance protects you financially if you cause an accident that results in injury or property damage to another party. It ensures that you have the financial resources to cover costs associated with damages or medical expenses incurred by others due to your driving. Liability insurance includes two main components: bodily injury liability, which covers the costs associated with injury to others, and property damage liability, which covers damages to another person's property. It is crucial for maintaining financial responsibility on the road, as driving without it can lead to significant legal consequences. Although comprehensive, collision, and personal injury protection insurances provide additional coverage for various scenarios, they are not legally required to operate a vehicle in Illinois. Comprehensive insurance covers damages to your car from non-collision incidents such as theft or natural disasters, collision insurance covers damages to your vehicle resulting from a crash regardless of fault, and personal injury protection insurance covers medical expenses and lost wages for you and your passengers, but these are optional and not a prerequisite for driving legally in the state.