Suburban Law Enforcement Academy (SLEA) BA State Certification Practice Exam

Which type of insurance is mandatory for drivers in Illinois?

1. Comprehensive insurance

2. Collision insurance

3. Liability insurance

4. Uninsured motorist insurance

The correct answer is: Liability insurance

In Illinois, liability insurance is mandatory for drivers because it serves to protect other individuals on the road in the event of an accident. When a driver carries liability insurance, it ensures that if they are found at fault for an accident, the insurance will cover the financial costs associated with damage to another person's property or medical expenses incurred by others. The purpose of imposing this requirement is to ensure that drivers can be held accountable for their actions and that victims of accidents have a means of compensation without having to go through lengthy legal processes. This regulation helps maintain a level of financial responsibility among drivers and promotes safety on the roads. The other types of insurance, while they may offer additional protection, are not legally required. Collision insurance covers damage to a driver's own vehicle after an accident but does not address liability to others. Comprehensive insurance protects against non-collision incidents but also does not fulfill the liability requirement. Uninsured motorist insurance helps protect against accidents involving drivers who do not have insurance but is not mandated by law in the same way that liability insurance is.