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Rising inflation means Illinois' required car insurance limits may not be enough protection

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Rising inflation means Illinois' required car insurance limits may not be enough protection


Inflation and supply chain problems continue to impact Americans. Auto insurance rates have risen as a result, along with the prices of new and used cars, medical care and even car maintenance.

State-required car insurance limits haven’t followed suit, however, and even drivers with higher limits may not be protected. If you’re driving around with only the minimum amount of car insurance required, then you’re probably underinsured.

Here are four ways to make sure you have enough coverage before a potential car accident puts you at risk.

Think twice about minimum coverage

Almost every state requires drivers to carry a minimum amount of liability insurance, which pays for injuries and property damage you cause in an accident. In Illinois, the minimum requirement is $25,000 for injury or death of one person in a crash; $50,000 for injury or death of more than one person in a crash; and $20,000 for damage to property of another person, according to the secretary of state’s office.

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While minimum coverage is typically the cheapest policy you can get, your state’s minimum-required limits likely aren’t high enough to cover the full cost of injuries or property damage caused by an accident.

For example, the average bodily injury liability claim in 2020 included more than $24,000 in medical bills, according to the Insurance Information Institute’s analysis of data from the National Association of Insurance Commissioners. And medical costs have only increased since that study, with some reaching hundreds of thousands of dollars.

Many states require a minimum of $25,000 in bodily injury liability, but even doubling that amount may not be enough. “If you only have $50,000 … that’s still not a lot of money to go to the hospital,” Kevin Boggs, an agent with Goosehead Insurance in Bloomingdale, said.

Cover your net worth

You’ll be held financially responsible for costs from an accident you cause, whether or not you have sufficient insurance coverage. If your liability limits aren’t high enough, then you’ll have to pay out of pocket.

NerdWallet recommends getting enough liability insurance to cover your net worth. Your net worth can be calculated by adding up all of your assets, including investment and retirement accounts and subtracting any debt you owe.

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Get uninsured motorist coverage

You should also protect yourself against the risks of being hit by a driver who doesn’t have enough car insurance to pay for your medical bills and property damage — or doesn’t have any car insurance at all.

About 1 in every 7 drivers is uninsured, according to a 2022 report from the Insurance Research Council. You can protect yourself from these drivers by including uninsured motorist and underinsured motorist coverage on your policy. These coverage types pay for your own medical bills and damage to your car if you’re hit by a driver without car insurance or with very minimal liability limits that don’t cover all of your expenses.

While some states require these coverages, they’re optional in many others. You shouldn’t skip them just to save money. “Declining underinsured motorist or uninsured motorist coverage is the biggest insurance mistake people make,” Golnoush Goharzad, a personal injury lawyer in Irvine, California, said in an email.

“Under Illinois law, liability insurance policies automatically include uninsured motorist coverage at the legal minimum requirements for bodily injury or death,” according to the secretary of state’s office.

Consider full coverage

To pay for damage to your car, consider full coverage, which includes comprehensive and collision insurance in addition to liability insurance.

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Collision insurance pays for damage to your vehicle, even if you’re the at-fault driver or the victim of a hit-and-run.

Meanwhile, comprehensive insurance pays for damage caused by things like inclement weather or wild animals. It can even help you replace a stolen vehicle. Both coverage types pay out up to the current market value of your car, minus your deductible, which is the amount of money you’re responsible for.

How to save without cutting or dropping coverage

  • Ask about discounts. Don’t assume you’re getting every discount you qualify for; speak with your insurer or agent to see if there are additional savings available.
  • Increase your deductibles. Insurers will lower your premium if you raise your deductibles, but be prepared to pay the higher amount in the event you need to file a claim.
  • Bundle your policy. Many insurance companies offer a discount if you combine multiple insurance policies with them, such as car and homeowners insurance.
  • Shop around. Comparing car insurance is the best way to get the cheapest policy. You should shop around once a year, and compare quotes from at least three different companies every time.

Contributing: Subrina Hudson





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Capitol News Illinois | Judge delays decision on special prosecutor for ‘Operation Midway Blitz’

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Capitol News Illinois | Judge delays decision on special prosecutor for ‘Operation Midway Blitz’


CHICAGO — The legal battle over how federal immigration agents can be investigated and charged by local prosecutors — namely Cook County State’s Attorney Eileen O’Neill Burke — won’t be resolved for a little while longer as a Cook County judge on Monday pushed off her scheduled ruling on whether to appoint a special prosecutor to oversee such cases.

As she began Monday morning’s hearing, Cook County Judge Erica Reddick noted that since she heard arguments over the special prosecutor petition last month, there had been a few related developments.

“Spoiler alert: There will not be a ruling today,” Reddick said.

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First, a state panel appointed by Gov. J.B. Pritzker published a final report April 30 memorializing dozens of clashes between federal agents and both undocumented immigrants and U.S. citizens during the Trump administration’s Chicago-focused “Operation Midway Blitz” mass deportation campaign this past fall.

That same day, the Illinois State Police opened an investigation into the fatal shooting of Silverio Villegas González by an immigration officer in September. When the investigation is complete, the ISP plans to turn it over it to the state’s attorney’s office, which a Burke spokesperson confirmed will “play a supportive role in their investigation.”

Lawyers for the coalition of more than 400 petitioners, including elected officials and community leaders, behind the push for a special prosecutor want the dual developments to be included in the records the judge is weighing.

However, the judge lightly admonished Locke Bowman, one of the attorneys for the coalition, after he told her he couldn’t promise that he wouldn’t want the record supplemented again.

Reddick said she wasn’t precluding that possibility, “but please understand: This must come to an end.”

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After a Friday deadline for Bowman and his colleagues’ latest legal filing, the judge will rule on May 21.

This week marks two months since the coalition filed its petition for a special prosecutor, ramping up an already contentious public pressure campaign for Burke’s office to investigate and charge federal immigration agents.

The state’s attorney has maintained her office has limited legal authority to do so without a request from law enforcement, which she has not yet received. She’s also repeatedly pointed to federal agents’ relative immunity from state prosecution under the U.S. Constitution’s supremacy clause and Illinois Supreme Court precedent as reasons to tread carefully so as not to risk any future case falling apart on appeal.

But in February, as the pressure to prosecute grew louder, Burke’s office put together guidelines for handling any future investigations of federal agents. The protocol, which was written with guidance from Illinois Attorney General Kwame Raoul, stipulates the state’s attorney’s Law Enforcement Review Unit can help investigate once a law enforcement agency “believes that there is sufficient evidence to support felony charging and is seeking felony review.”

‘It’s not a hypothetical’

On Monday, Reddick quizzed Assistant State’s Attorney Yvette Loizon on why the protocol only mentioned the possible investigation of use of force, and not nonviolent crimes like conspiracy and perjury. Both of those hypothetical charges were specifically named in the March 12 petition for a special prosecutor, though the judge objected to Loizon’s use of the word “hypothetical” in answering her question about whether the state’s attorney’s office would limit the scope of its investigations.

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“It’s not a hypothetical,” Reddick said, interrupting Loizon, adding that if a law enforcement agency’s investigation finds facts supporting conspiracy or perjury charges, the state’s attorney’s office would then be faced with the question of whether to take it up.

After a tense back-and-forth, Loizon assured the judge that the state’s attorney’s office would dedicate resources to pursue such allegations if they turn up, though she said it would be unlikely they’d be alleged in a vacuum without also being connected to use of force charges.

In a statement after the hearing, a spokesperson for Burke’s office reiterated that the state’s attorney “has repeatedly condemned the tactics used by the Trump administration and during Operation Midway Blitz.” Critics of the state’s attorney have accused her of being slow to action so as not to risk relationships within the Trump administration and funding for key priorities like gun violence, which they say is tantamount to the kind of conflict of interest that should trigger a special prosecutor appointment.

But Burke maintains that her concern is not seeing cases overturned on appeal, thus undermining efforts to investigate and prosecute federal agents’ alleged abuses.

“As we have argued in court, the CCSAO (Cook County State’s Attorney’s Office) must follow the law and the facts to protect the integrity of our prosecutions and ensure that any resulting conviction will stand,” Burke spokesperson Elyssa Cherney said, referencing a 2017 Illinois Supreme Court ruling limiting local prosecutors’ ability to open investigations without law enforcement. “The petition seeking a special prosecutor is frivolous, contains baseless allegations and gross misrepresentations of the law.”

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State Rep. Norma Hernandez, D-Melrose Park, however, said Monday that it looks very different from the outside, especially in immigrant-heavy communities like those she represents in the near-west suburbs of Chicago.

“Our community should not have to organize this hard simply for our voices to be heard,” she told reporters outside Reddick’s courtroom.

“The negligence and inaction of Cook County State Attorney Eileen Burke has only deepened that pain. When prosecutors refuse to act or investigate with urgency, they send a dangerous message to families: That justice depends on who you are and what community you come from.”





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PPP Loan Scandal Busts Joliet Woman Working For Illinois Department Of Corrections: AG Kwame Raoul Reveals

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PPP Loan Scandal Busts Joliet Woman Working For Illinois Department Of Corrections: AG Kwame Raoul Reveals


JOLIET, IL —Attorney General Kwame Raoul issued a press release on Monday is alleging a Will County woman fraudulently received a Paycheck Protection Program (PPP) loan for more than $20,000 while employed by the Illinois Department of Corrections.

The Attorney General’s office charged Jamilah Franklin, 48, of Joliet, with one count of loan fraud of more than $10,000, a Class 2 felony punishable by up to seven years in prison; and three counts of forgery, Class 3 felonies punishable by up to five years in prison. Sentences are ultimately determined by the court. Franklin’s first court appearance is June 18.

“Federal assistance programs served as a lifeline for small businesses and unemployed Americans during the COVID-19 pandemic, and it is unacceptable that government employees would abuse that vital support,” Raoul said. “I will continue to collaborate with other agencies to hold public workers accountable for abusing these programs.”

Attorney General Raoul’s office alleges Franklin was employed by the DOC as a lieutenant when she fraudulently applied for a PPP loan from the U.S. Small Business Administration by falsely claiming she owned a business. According to Raoul’s office, Franklin received $20,516 in 2021 as a result.

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The Attorney General’s office is prosecuting this case based on a referral by the Office of Executive Inspector General and following an investigation by the Illinois State Police Division of Internal Investigation.

“The Illinois State Police pursues any state employee committing criminal behavior and will continue to work with Attorney General Raoul’s office to hold employees accountable and ensure justice,” said ISP Director Brendan F. Kelly.

Raoul’s office has prosecuted dozens of individuals for PPP loan fraud and referred other investigations to the appropriate state’s attorneys for further evaluation.

Deputy Chief Jonas Harger is prosecuting the case for Raoul’s Public Integrity Bureau.





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The Weekly: Illinois detention centers, Canvas breach and AI policies

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The Weekly: Illinois detention centers, Canvas breach and AI policies


The Daily Northwestern · The Weekly: Illinois detention centers, Canvas breach and AI policies   WALLIS ROGIN: Last week, The Daily reported on Illinois legislation defining where “detention center facilities” can be located, Northwestern professors’ policies on artificial intelligence and a Canvas hack that targeted over 9,000 schools. From The Daily Northwestern, I’m Wallis Rogin….



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