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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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Illinois Democrats face backlash after blaming Trump in Chicago cross-burning case | Fox News Video

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Illinois Democrats face backlash after blaming Trump in Chicago cross-burning case | Fox News Video


Illinois Democratic leaders Governor JB Pritzker and Chicago Mayor Brandon Johnson are slammed for weaponizing a Chicago cross burning incident by blaming former President Trump. Despite the suspect, Murlin Lue, admitting his motive was to protest Trump, not racism, Pritzker and Johnson doubled down. Critics, including Illinois GOP State Rep. Chris Miller, accuse them of playing politics and fostering division rather than seeking truth.



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Illinois Lt. Gov. candidates focus on affordability in pitch to Rockford voters

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Illinois Lt. Gov. candidates focus on affordability in pitch to Rockford voters


ROCKFORD, Ill. (WIFR) – November ballots will feature a repeat of top billing in the race for governor. Illinoisans can once again choose between Governor JB Pritzker or Darren Bailey to lead the Land of Lincoln.

But beside their spots, new names will appear for voters.

The Democratic and Republican candidates for governor picked new running mates for their rematch. With Lieutenant Governor Julianna Stratton running for U.S. Senate, Pritzker picked Christian Mitchell to join his ticket. On the Republican side, Aaron Del Mar joins Bailey, who previously ran with Stephanie Trussell in 2022.

Mitchell and Del Mar spoke Thursday with WIFR on what inspires them to run, their campaign priorities and ideas to improve the Rockford region.

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Backgrounds

Starting with the Democratic ticket, Mitchell joins the race as a former state representative from Chicago as well as a deputy governor with the Pritzker administration.

“Before anything else, I’m Debbie’s son, and I’m James’s grandson,” Mitchell introduced. “They’re the ones who really instilled in me the value of hard work and made sure that I was going to have a very bright future.”

Mitchell sees the role of lieutenant governor as a partner to the state’s executive.

“I’m really lucky to be running with somebody who I respect, and who I think is the best governor in the nation… Governor JB Pritzker,” he said.. “My first thing is going to be supporting his agenda, which right now is all about lowering costs and raising wages.”

On the Republican side, Del Mar hails from suburban Chicago and considers his first priority to be raising his family.

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“I wanted nothing to do with politics, did not want to be involved — wanted just to raise my kids and work my job,“ said Del Mar. He described his start in public service as something he ”kind of got pulled into.”

The Republican worked his way from a city council member in Palatine, at 29-years-old, to co-chair of the Illinois GOP. Although he says he “wanted nothing to do with being on” Bailey’s campaign, Del Mar sees strength in unity — offering a Chicago area perspective alongside Bailey’s southern Illinois roots.

“How about everybody in the state of Illinois, regardless of where you come from, has a seat at the table. If you’re from a southeast farming community, or you’re from the city of Chicago, where I grew up, everybody has a stake in the game.”

Priorities

Mitchell points to economic development as his focus for the gubernatorial campaign.

“I see vacancies on State Street in Chicago. I see vacancies on Main Street in Belleville and Alton and in Carbondale,” he recounted. “I want to make sure that we’ve got the kind of amenities and economic development, that kind of affordability, that allow us to make sure that folks want to stay in the towns that they’re born in if they want to.”

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The Democratic candidate also eyes long-term planning for the state, including an “Illinois 2050 Plan.”

“How do we have the kind of educational undergirding that means that no matter where you’re from, you have a chance to have one of those jobs, whether it’s in new agriculture technology and new farming techniques or biotech, quantum.”

When asked how to achieve these priorities, Mitchell turned to investing in public education, retaining residents with better wages and improving health care.

“Making sure that we are able to protect our health care system, so that folks aren’t going broke when they get sick, that’s another big way that we can make an impact.”

Del Mar outlined a cost-of-living focus as central to his campaign.

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“You wanna succeed, you do the basics really well, and the basics are affordability,” he contended.

The Republican repeatedly highlighted the state’s property taxes — reportedly the highest in the nation — as an issue to tackle. He suggested redirecting Illinois’s budget as one measure to ease the burden on homeowners.

“Number one is fully funding the state’s portion of local taxes, because that will offer people property tax relief.” Del Mar clarified this wouldn’t mean redirecting funds for public education.

“We’re looking at how we fund schools, how we make sure to empower teachers to have the best educational outcomes that we can have here in Illinois, regardless of what your zip code is, regardless of what your parents do for a living or how much money they make,” added Del Mar.

Reflecting on Rockford

Each candidate provided their vision for boosting the Rockford region.

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For Mitchell, improvements continue with infrastructure funding, building on the state’s roughly $500 million investment in the area.

“The things that we have already worked on, through the capital plan that I helped lead as deputy governor, that the governor signed and is implementing, are already having benefits that the people of Rockford can see.”

The Democrat also pointed to the Chicago Rockford International Airport as an opportunity.

“Investing in that regional airport where we’ve already helped with a matching grant to get additional funds, that helps build out the economy,” said Mitchell. “There’s so much that’s happening there that it is really good for the economy and bringing more people back to Rockford.”

Del Mar shared his local priority as supporting unionization in the area.

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“Union families deserve to be able to have a livable wage, and that’s something that’s important to Darren and I,” said Del Mar. He mentioned pensions were another item that a Republican executive wouldn’t touch for the public and private sector unions.

“I know that area up there has strong union backbone,” described Del Mar. “We want to make sure they know that they’re not going to have a bigger supporter in the governor’s mansion than Darren and I.”

Election Day

When asked for thoughts on their opponent, Mitchell criticized the Bailey campaign as a “repacking” of his 2022 run.

“The only record that they have to run on is extremism,” he exclaimed.

The Republican candidate also reflected on records, pointing to Pritzker’s years in office.

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“Why are we underfunding education? Why are property taxes at all-time high? Why are businesses leaving?” asked Del Mar.

Voters can decide on who will lead Illinois November 3. Early voting starts September 24, with applications for voting by mail opening August 5.

Extended Interviews

Copyright 2026 WIFR. All rights reserved.



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Illinois man charged after Rochester sting catches phone scammer with $50K in cash

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Illinois man charged after Rochester sting catches phone scammer with K in cash


A man from Illinois is facing felony charges after police say he took part in a scheme that convinced a Rochester resident to hand over thousands of dollars in cash and nearly fell for a gold bar handoff.

Rochester phone scam

What we know:

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According to a criminal complaint filed in Olmsted County District Court, police say the victim was contacted by phone and told he was under investigation for a crime. The caller convinced him to deliver $30,000 in cash to a man he met in person on June 17, 2026. 

The victim was then pressured to arrange a second delivery — this time, 10 one-ounce gold bars — on June 23, 2026. Detectives worked with the victim to set up a controlled delivery using fake gold bars and a GPS tracker.

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Charges state that the plan was for the victim to meet whoever arrived to pick up the package, while officers watched nearby. Surveillance officers saw a white SUV with Illinois plates circling the parking lot at 2711 Commerce Drive NW in Rochester.

The complaint states a man, later identified as Kiranbhai Kanubhai Vasava, got out, met the victim, gave the password and took the package. Officers followed the car as it left the scene. Detectives stop suspects and recover cash 

Why you should care:

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Police stopped the SUV near Eyota and searched it, finding $50,000 in cash, several cell phones, bank checks with Vasava’s name, and packaging materials similar to those used for the fake gold bars. The package with the GPS tracker and fake gold was missing, but officers later found the GPS device torn apart on the side of the highway. 

The second man in the car, Hemendrasinh Pravinsinh Dabhi, told police he got a call from India about a package but claimed he knew nothing about it, saying, “he just drives.” Vasava also denied knowing what was happening. 

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Kiranbhai Vasava linked to Wisconsin case

The backstory:

The complaint states detectives linked Vasava to another similar case in Stevens Point, Wisconsin, where a bank customer was convinced to hand over $50,000 in cash to a driver in a white Honda SUV. Video from that incident showed Vasava receiving the package.

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Police say this type of swindle involves convincing victims they are under investigation and must pay money or hand over valuables to clear their name. Detectives say the investigation involved coordination between local police and law enforcement in Wisconsin.

The Source: Criminal charges filed in Olmsted County Court.

Crime and Public SafetyRochesterOlmsted County
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