PLIllinoiseasy

On a new Illinois private passenger auto policy, uninsured motorist (UM) coverage at statutory minimum limits is:

Q: On a new Illinois private passenger auto policy, uninsured motorist (UM) coverage at statutory minimum limits is:

Mandatory and cannot be rejected — Illinois requires every private passenger auto liability policy to include uninsured motorist (UM) coverage at the statutory minimum of $25,000/$50,000 bodily injury. Unlike UIM, the insured cannot reject this base UM layer. UM coverage above the statutory minimum, and any UIM coverage matching higher BI limits, can be selected lower or rejected in writing. Producers must ensure the declarations show UM at no less than 25/50 to satisfy 215 ILCS 5/143a.

Mandatory and cannot be rejected

BOptional and may be declined orally at binding

CRequired only when the insured selects MedPay

DRequired only for vehicles financed through a lender

Why this is the answer

Illinois requires every private passenger auto liability policy to include uninsured motorist (UM) coverage at the statutory minimum of $25,000/$50,000 bodily injury. Unlike UIM, the insured cannot reject this base UM layer. UM coverage above the statutory minimum, and any UIM coverage matching higher BI limits, can be selected lower or rejected in writing. Producers must ensure the declarations show UM at no less than 25/50 to satisfy 215 ILCS 5/143a.

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