PLIllinoiseasy

For purposes of resolving private passenger auto bodily injury claims, Illinois operates under which system?

Q: For purposes of resolving private passenger auto bodily injury claims, Illinois operates under which system?

At-fault tort system with no mandatory PIP — Illinois resolves auto bodily injury claims under traditional tort principles. The at-fault driver's liability insurance pays the other party's damages; there is no mandatory personal injury protection (PIP) coverage and no statutory no-fault threshold. Medical payments coverage is available but voluntary. Producers should never describe Illinois as a no-fault state in solicitations because that misrepresents how claims are paid and runs afoul of trade practices rules under 215 ILCS 5/424.

At-fault tort system with no mandatory PIP

BPure no-fault with mandatory PIP

CModified no-fault with PIP threshold

DAdd-on PIP with optional tort election

Why this is the answer

Illinois resolves auto bodily injury claims under traditional tort principles. The at-fault driver's liability insurance pays the other party's damages; there is no mandatory personal injury protection (PIP) coverage and no statutory no-fault threshold. Medical payments coverage is available but voluntary. Producers should never describe Illinois as a no-fault state in solicitations because that misrepresents how claims are paid and runs afoul of trade practices rules under 215 ILCS 5/424.

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