Illinois Laws & Coverage
This required insurance covers damage or injuries you cause to other people when an accident is your fault.
Liability Insurance
The fixed amount you must pay out-of-pocket for repairs before your insurance company pays the rest.
Deductibile
The very first thing you should do after stopping your vehicle in a safe location following a crash.
Check Yourself/Passengers
Out of habit, people often say this phrase at an accident scene, but doing so can be used as an admission of legal fault.
"I'm Sorry" or "My Bad"
This State Farm app-based program lets young drivers under age 25 watch safe-driving modules, log driving trips, and complete quizzes to earn a policy discount.
Steer Clear®
Under Illinois state minimum limits (25/50/20), this is the maximum amount insurance pays for total bodily injuries in a single accident.
$50,000
The recurring monthly or annual bill you pay just to keep your auto insurance policy active.
Premium
You should move your vehicle to the shoulder or a parking lot only if this condition is met.
Car is Drivable/Location is Safe
The relative or guardian you should call immediately after emergency services are contacted and safety is secured.
Parent/Guardian
High school students can earn up to a [this percentage] discount on their State Farm auto insurance by maintaining a "B" average (3.0 GPA) or higher in school.
25%
This optional coverage pays to fix your own vehicle if you run into a tree, fence, or another car.
Collision Coverage
Maintaining a 3.0 GPA or "B" average in high school can earn you this discount on your premium.
Good Student Discount
Instead of writing everything down manually, you should use your smartphone camera to quickly capture these three personal documents from the other driver.
Driver's License/Insurance Card/Vehicle Registration
True or False: You should agree to "handle it privately" without police or insurance if the other driver offers cash.
False
The maximum age limit for a young driver to qualify for State Farm's Steer Clear® safe driving discount program.
25
This coverage kicks in if your windshield cracks from hail, a tree branch falls on your hood, or your car is stolen.
Comprehensive Coverage
If your collision deductible is $500 and your repair bill is $1,800, this is the amount your insurance company will cover
$1,300
Adrenaline can hide pain right after a crash, which is why you should take this medical step if you feel stiff or sore hours later.
Visit a Doctor/Urgent Care
You should avoid posting these on social media platforms after a crash until insurance claims are settled.
Photos/Comments/Details
If a student under age 25 moves away to attend college or university and only uses the family vehicle while home during school breaks, their parents may qualify for the [this program name] discount.
Student Away at School Discount
Illinois legally requires this coverage to protect your medical bills if an uninsured driver or a hit-and-run driver hits you.
Uninsured Motorist (UM) Coverage
Because insurance generally follows the vehicle, this person’s insurance usually pays primary if your friend borrows your car and crashes it.
Car Owner/Your Insurance
Besides the vehicles and driver's licenses, name two scene details you should take photos of for evidence.
Street Signs/Traffic Lights, Weather/Road Conditions, or Skid Marks
Within this typical timeframe, you or your parents should contact your insurance provider to report the accident.
24-48 Hours
The generally most cost-effective way for a high school driver to be insured in Illinois.
Being added as a named driver on a parent or guardian’s existing policy