Our Accident insurance provides cash directly to the insured individual for the unexpected costs of an accidental injury. What does a bodily injury liability policy cover in Illinois?You will need to submit your background information and details of the crash, regardless of how you initiate the claim. The first step is to gather the necessary documentation and evidence for your claim. Photographs: Take clear photos of the accident scene, all vehicles involved, and any visible injuries. Uninsured property damage coverage. All drivers are required to carry auto insurance under Illinois law, and auto insurance covers accidents resulting from all forms of driver negligence. And if the accident involved significant injuries or property damage, chances are your insurance company will find out about it anyway. Bodily injury, which pays damages in accidents that involve physical injuries to others, including passengers in your vehicle.