PLIllinoiseasy
An Illinois personal auto policy's bodily injury and property damage liability coverages pay for damages the insured becomes legally liable to pay due to which fault system?
ANo-fault, where each driver collects from their own insurer
BStrict liability regardless of fault
At-fault tort liability, where the negligent party is responsible
DComparative no-fault with PIP primary
Why this is the answer
Illinois has not adopted no-fault auto insurance. Under 625 ILCS 5/Article VII, the negligent driver (the at-fault party) is legally responsible for bodily injury and property damage caused to others. The personal auto policy's BI/PD liability coverage pays those damages on behalf of the insured up to policy limits. There is no PIP coverage in Illinois because the state operates entirely under tort principles.
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