Even though there are mandatory automobile insurance requirements in Illinois, the limits are often insufficient to cover losses sustained by the victim of an automobile collision. Additionally, there are many negligent drivers who are completely uninsured or have an inadequate amount of insurance coverage. If a driver like that is involved in an accident, it can be challenging for the victim to receive full compensation to cover their losses. Fortunately, there are insurance coverage options that can alleviate the problem. There are benefits to carrying uninsured and underinsured coverage in Illinois on your own automobile policy.