Personal Automobile Policy
The five parts
Part A liability (bodily injury and property damage to others); Part B medical payments (no-fault, pays insureds regardless of fault); Part C uninsured/underinsured motorist; Part D damage to your auto, split into collision and other-than-collision; Part E duties after an accident. Liability and medical payments follow the person; physical damage follows the vehicle.
Illinois requirements
Illinois is a tort (at-fault) state, not a no-fault state. Minimum financial responsibility limits are 25/50/20 - $25,000 per person, $50,000 per accident bodily injury, and $20,000 property damage. Uninsured motorist coverage is mandatory at the same limits as the liability coverage; underinsured motorist coverage is optional. Driving uninsured carries license and registration penalties.
Who and what is covered
"Your covered auto" is defined by symbols; know that a newly acquired auto gets automatic coverage (generally 14 days) and that a temporary substitute vehicle is covered while your car is out of service. Exclusions to expect: intentional acts, vehicles used for livery/ride-hailing, racing, vehicles with fewer than four wheels, employee vehicles, and using a vehicle without a reasonable belief of permission.
Physical damage
Collision covers impact with another object or upset. Other than collision covers fire, theft, vandalism, glass, hail, flood, animals, and riot. Settlement is ACV unless a replacement-cost or loan/lease gap endorsement applies.
Worked example: Insured with 25/50/20 injures two people, each with $40,000 in damages. Each claimant receives the $25,000 per-person limit, and the $50,000 per-accident limit is exhausted - the insured is personally exposed for the remaining $30,000.