Illinois
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.
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.
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.
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
Illinois
Illinois awards AD Josh Whitman a new contract worth more than $31 million over the next 10 years
CHAMPAIGN, Ill. — Illinois has extended athletic director Josh Whitman’s contract through 2036, committing more than $31 million over the next 10 years on the heels of a series of standout seasons for the department and its teams.
The university’s board of trustees approved the new deal for Whitman at its regular meeting on Thursday. The fifth-longest tenured AD among the four power conferences will make $2.15 million during the 2026-27 school year, a salary increase of more than 40%.
Whitman is scheduled to receive $100,000 raises annually before a $200,000 bump to $3.15 million in the final year of the agreement and a $500,000 retention bonus each June 30 that he remains on the job at Illinois.
The contract also includes additional incentives of up to $500,000 annually related to performance goals set by the university chancellor and three automatic one-year extensions through 2039 if certain Illini football and men’s basketball performance measures are met.
Whitman, a former Illinois football player, was hired in 2016. This was the fifth time his contract has been amended. The men’s basketball team reached the NCAA Final Four in April for the first time in 21 years. The football team won 19 games over the last two seasons, a program record for that span. Illini athletics also set a revenue record for a fourth consecutive year and topped $200 million for the first time in 2025-26, according to the board of trustees meeting memo.
Illinois
Data center fears mount after Illinois village residents prepare for the worst
ESSEX, Ill. – It’s been two days since we first told you about Constellation Energy buying several hundred acres of land in or near the Village of Essex and it’s still anyone’s guess what they are going to do with all of that land.
Fox Chicago’s Unit 32 brought you this story and our Bret Buganski is still on the hunt for some answers.
“My thought is, well, I think we lost our butts and our house because we bought it at the premium golf course price and now we are essentially could be having a data center in our backyard,” Essex resident Taylor Gunier said.
Gunier and her family moved into this house last summer.
She has spent the last year working with other concerned residents to figure out what Constellation is going to do with the 700 acres of land they have purchased in and around Essex from June 2025 to February 2026.
Data center in Essex?
The backstory:
Following a Freedom of Information request to the Kankakee County Recorder, a Unit 32 investigation found Constellation spent $47.5 million dollars in fourteen different land deals.
Property records reviewed by Fox Chicago show the company purchased at least 505 acres in just nine months. The total is likely higher because some of the public records did not include the number of acres sold each time.
Unit 32 also found that two Essex Village Board members were sellers in five of those transactions.
“Essex does not have any industrial zoning ordinances, which I think is part of why Constellation chose us. We would have been an easy target with few regulations for them to abide by,” said Essex resident Kylee Raney.
Raney is part of the Essex Coalition, a group of concerned residents following every move between the Essex Village Board and Constellation Energy.
It has also been making some of its own moves.
“We’ve worked with a third party consultant and we have built out a draft of industrial zoning ordinances. They are based off of the Kankakee County industrial zoning ordinances along with some ordinances from Yorkville and the data center that is being built there. So we made sure to keep the language broad so it could cover a multitude of industrial uses, but we wanted to make sure the umbrella of that language included data centers. So we have a petition and we have doubled the numbers of our signatures there. The petition is to urge our village board members to pass industrial zoning ordinances. Even if you don’t know what they’re gonna build, even if Constellation doesn’t have their customer yet, you can put protections, legal protections, legally binding protections in place to ensure that we can mitigate noise pollution, sound pollution, we can monitor water usage. There are lots of avenues that we can take to build out the regulations to protect our future. No matter what happens,” Raney said.
While Raney says Constellation has not told them what they’re going to use the land for, the village board seems to be taking precautions for a data center.
On their website, the Essex Village Board wrote it “… has issued a formal notice establishing development standards and mitigation requirements for a proposed data center facility that may be located within the village.”
It also posted a letter. The subject line says it is a notice about “development standards and required mitigation response plan” for a data center.
What they’re saying:
“Now, as far as buying that big land in Illinois, there could be multiple reasons. I don’t know what they’re going do with it,” said Mohammad Shahidapur, a distinguished professor of electrical and computer engineering at the Illinois Institute of Technology.
Shahidapur has been teaching for 43 years.
Given his background, we asked him for his objective opinion as to what Constellation could be doing with all of this land.
“They could be building a big solar farm because having a nuclear unit, we can sort of reduce the issues because sun doesn’t shine all the time. So then once the sun is shining, you know, basically, they can sell that and then when the sun is not shining they can replace it by nuclear. That could be one reason. They could be also going after data centers in a sense maybe they’re lining up with some of these tech companies to build more data centers and providing power through their nuclear units, so it’s sort of a joint venture,” Shahidapur said
The statement Constellation sent us when our story first aired says in part: “Constellation is seeking to annex land into Essex near the Braidwood Clean Energy Center to help the company strategically market the facility’s carbon-free generation to potential future developers.”
“So, obviously, I’m not an insider at the company, but if I’m a betting man, I would bet based on buying a bunch of land, looking to annex it, that they’re looking to build out one of these data centers,” said Andrew Rocco, a stock strategist with Zacks Investment Research based in Chicago.
Rocco’s focus is on the tech industry and where it overlaps with the energy sector.
So we also asked him for his unofficial analysis on what he thinks Constellation may do with the 700 acres of land they purchased in and around Essex:
“Braidwood is the largest nuclear plant in Illinois. And as I mentioned before, getting these nuclear facilities through the regulatory red tape, even though kind of the Trump administration has said they’re pro-nuclear, but still there’s a ton of regulatory red tape and really nothing has been approved in the last 10 or 20 years. So having this already built out, I think it does around 2,400 megawatts of carbon-free baseload electricity. So this is exactly what these large tech companies are looking for. They’re looking for an immense amount of energy, dependable and clean. Now you can look at natural gas as an alternative to something like this, because obviously the startup costs are going to be lower for natural gas. And natural gas is very, very cheap. And it makes up the most amount of energy produced in the U.S. currently. But once you have a nuclear reactor already running, this one’s been running since the late 80s, you don’t have to worry about that. So the upfront costs have already been paid for. Now they’re looking likely to secure this large plot of land nearby to put a data center in and just connect it right up to that massive nuclear plant.”
Again — that is Rocco’s unofficial opinion on what Constellation may be doing with all that land.
Unit 32 reached out to Constellation to see if they would tell us what was going to happen with all of the land they bought in and around Essex. They told us that since they do not have a customer, they do not have any plans.
The Source: The information in this report came from interviews with Essex residents, statements from the Essex Village Board and Constellation Energy along with interviews with stock strategist Andrew Rocco and IIT professor Mohammad Shahidapur.
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