Optional Coverages For Additional Premium

In addition to Illinois’ required auto insurances and other coverages, drivers may also add custom coverages to their policy for an extra premium. Below is an overview of these optional insurances:

  • Accidental Death Benefit - is a life insurance in the case of an auto accident.

  • Custom/Non-factory Equipment -  is a coverage for custom equipment in conversion vans added to the vehicle after it’s left the factory e.g. tape decks, CD players, cellphones, etc.

  • Gap Coverage for Leased of Financed Vehicles - covers the difference you owe to your lease and your vehicle’s actual cash value. 

  • Medical Payments - insures you or your passengers in the event of a vehicle accident in your car, even if you are the at-fault driver. This also covers you and your family members when in an accident in another automobile or while walking. 

  • Physical Damage/Repair/Replace Coverage - will pay for a new vehicle in case repairs for your vehicle costs more than a new car.  

  • Rental Reimbursement - this will provide you a specific amount for car rental while yours is being repaired for covered damages. 

  • Towing - covers towing costs for your disabled car to a repair shop. 

  • Uninsured Motorist Property Damage (UMPD) - will pay for damages to your vehicle in the case the identified at-fault driver is uninsured.  
If you’re planning to get any of this additional coverage, make sure you have the extra budget for the added premiums. Take into account that the cost of premiums may be affected by a number of factors like your age, marital status, and type of automobile. 

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