What type of insurance is every vehicle required to have in Illinois?

In Illinois, every vehicle operated on public roads is required to have liability insurance. This type of insurance provides coverage for damages or injuries that the policyholder may cause to another person or their property while operating their vehicle. The primary purpose of liability insurance is to ensure that drivers can cover the costs associated with accidents for which they are at fault, promoting financial responsibility among drivers and providing a layer of protection for victims involved in traffic incidents.

Collision and comprehensive insurance are not mandatory in Illinois; they are optional types of coverage that a vehicle owner may choose to purchase for additional protection against damages to their own vehicle. Personal Injury Protection (PIP) is also not required in Illinois, although it can provide coverage for medical expenses and, in some cases, lost wages for the insured injured in an accident.