WHAT IS THE MINIMUM AUTO INSURANCE COVERAGE IN ILLINOIS

Understanding Illinois' minimum auto insurance requirements is crucial for every driver. This guide breaks down the mandatory coverage levels, explains what they mean, and helps you navigate your options to ensure you're legally compliant and adequately protected on the road in 2025.

Understanding Illinois' Minimum Auto Insurance Requirements

Navigating the landscape of auto insurance can feel complex, especially when trying to understand what the law mandates. In Illinois, like every other state, there are specific minimum coverage requirements that every registered vehicle owner must carry. These requirements are designed to provide a baseline level of financial protection in the unfortunate event of an accident. As of 2025, Illinois adheres to a set of minimum liability coverage limits that drivers must maintain. Failing to meet these requirements can lead to significant penalties, including fines, license suspension, and even vehicle impoundment. This guide will comprehensively explore what constitutes the minimum auto insurance coverage in Illinois, delve into the specifics of each coverage type, and discuss why opting for more than the bare minimum is often a wise financial decision for Illinois drivers.

The "30/60/25" Rule: Decoding Illinois' Liability Coverage

The cornerstone of Illinois' minimum auto insurance law is the "30/60/25" rule. This seemingly simple set of numbers represents the mandatory minimum dollar amounts for three key types of liability coverage. Understanding each component is vital to grasp what the state requires and what it truly covers. Let's break down what these figures mean:

• $30,000: This is the maximum amount your insurance company will pay for bodily injury to a single person injured in an accident that you cause.
• $60,000: This is the maximum amount your insurance company will pay for all bodily injuries to everyone involved in an accident that you cause.
• $25,000: This is the maximum amount your insurance company will pay for property damage to other vehicles or property (like fences, buildings, etc.) in an accident that you cause.

These liability coverages are crucial because they protect you financially if you are at fault for an accident. They help pay for the damages and injuries you cause to others, preventing you from having to pay these costs out of your own pocket. It's important to remember that these are *minimums*. Many Illinois drivers choose to purchase higher levels of coverage to ensure they are adequately protected against potentially much higher costs resulting from a serious accident.

Bodily Injury Liability (BIL): What It Covers

Bodily Injury Liability (BIL) coverage is a fundamental part of the minimum insurance requirements in Illinois. The "30/60" in the "30/60/25" rule specifically refers to BIL. This coverage is designed to protect you financially if you cause an accident that results in injuries to another person or persons. Let's dissect the two components:

• Per Person Limit ($30,000): This is the maximum amount your insurance policy will pay for medical expenses, lost wages, pain and suffering, and other related costs for any single individual who is injured in an accident where you are deemed at fault. For example, if you cause an accident and one person sustains $40,000 in medical bills and lost income, your BIL coverage would pay up to $30,000 of that amount. The remaining $10,000 would be your personal responsibility unless you have additional coverage.
• Per Accident Limit ($60,000): This is the maximum total amount your insurance policy will pay for all bodily injuries sustained by everyone involved in an accident where you are at fault. If you cause an accident and injure two people, one with $35,000 in damages and another with $40,000 in damages, your policy would cover up to $60,000 in total. In this scenario, the total damages are $75,000, meaning $15,000 would be your responsibility beyond the policy limit.

It is critical to understand that BIL coverage does not pay for your own injuries or your passengers' injuries if you are at fault. It is strictly for damages you cause to others. This is why many insurance experts recommend increasing these limits significantly beyond the state minimums, especially given the rising costs of medical care and the potential for severe injuries in vehicle collisions. For instance, a serious accident could easily result in medical bills exceeding $30,000 per person, leaving you exposed to substantial personal financial liability.

Property Damage Liability (PDL): What It Covers

Property Damage Liability (PDL) coverage is the "25" in Illinois' "30/60/25" rule. This coverage is essential for compensating others for damage to their property that you cause in an accident where you are at fault. In Illinois, the minimum PDL coverage is $25,000.

What does "property damage" encompass? It can include a wide range of things, such as:

• Damage to other vehicles involved in the accident.
• Damage to fences, guardrails, or other roadside structures.
• Damage to buildings, such as a storefront or a garage.
• Damage to personal property, like a bicycle or a parked car.

For example, if you run a red light and collide with another car, causing significant damage to both vehicles, your PDL coverage would help pay for the repairs to the other driver's car up to the $25,000 limit. If the cost of repairing the other vehicle exceeds $25,000, you would be personally responsible for the difference. In today's economic climate, the cost of vehicle repairs can escalate rapidly, especially with modern vehicles equipped with advanced technology. A single accident involving multiple vehicles or significant damage to a single vehicle could easily surpass the $25,000 minimum. This is why considering higher PDL limits is often advisable for comprehensive financial protection.

Uninsured/Underinsured Motorist (UM/UIM) Coverage: A Crucial Addition

While Illinois mandates liability coverage, it does not strictly mandate Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage. However, this coverage is critically important and is often offered as a mandatory purchase unless you explicitly reject it in writing. UM/UIM coverage protects you and your passengers if you are involved in an accident with a driver who has no insurance or insufficient insurance to cover your damages.

Let's break down UM and UIM:

• Uninsured Motorist (UM): This coverage applies when the at-fault driver has no auto insurance whatsoever. In Illinois, the minimum UM coverage limits typically mirror the liability limits: $30,000 per person and $60,000 per accident for bodily injury. There's also UM property damage coverage, which helps pay for damage to your vehicle when the at-fault driver is uninsured.
• Underinsured Motorist (UIM): This coverage comes into play when the at-fault driver has insurance, but their liability limits are too low to cover the full extent of your injuries or damages. For instance, if you suffer $50,000 in medical bills and the at-fault driver only has the state minimum of $30,000 in bodily injury liability, your UIM coverage would kick in to cover the remaining $20,000 (up to your UIM policy limits).

The importance of UM/UIM coverage cannot be overstated. According to recent statistics from the Insurance Research Council (IRC) for 2023-2024, a significant percentage of drivers nationwide remain uninsured or underinsured. This means there's a substantial risk of encountering drivers who cannot financially compensate you for damages they cause. Having robust UM/UIM coverage ensures that you are not left bearing the financial burden of an accident caused by a negligent, uninsured, or underinsured driver. It essentially steps in to provide the coverage the at-fault party should have had.

Why Minimum Coverage Might Not Be Enough in 2025

While meeting Illinois' minimum auto insurance requirements is a legal necessity, it's crucial to understand that these minimums are often insufficient to cover the costs associated with a serious car accident in 2025. Several factors contribute to this reality:

• Rising Medical Costs: Healthcare expenses continue to climb. A single hospital stay, surgery, or extensive rehabilitation can easily surpass the $30,000 per person bodily injury liability limit. Even minor injuries can lead to significant medical bills when factoring in doctor visits, physical therapy, and medication.
• Vehicle Repair and Replacement Costs: Modern vehicles are equipped with sophisticated safety features, sensors, and technology, making repairs increasingly expensive. A moderate collision can result in repair bills that exceed the $25,000 property damage liability minimum, especially if advanced components like lidar sensors or adaptive cruise control systems are damaged.
• Increased Legal Settlements and Judgments: In the event of a severe accident causing significant injuries or fatalities, victims or their families may pursue legal action. Jury awards for pain and suffering, lost future earnings, and other damages can reach hundreds of thousands, or even millions, of dollars. The minimum liability limits offer very little protection against such large claims.
• The Risk of Underinsured/Uninsured Drivers: As mentioned, a considerable number of drivers on the road lack adequate insurance. If you are involved in an accident with such a driver, and you only have minimum coverage yourself, you could be left with substantial out-of-pocket expenses for your own injuries and vehicle damage.
• Your Personal Assets: If the damages from an accident you cause exceed your liability limits, the injured party can sue you personally to recover the remaining costs. This means your savings, home equity, and even future wages could be at risk.

For these reasons, insurance professionals widely recommend carrying liability limits significantly higher than the state minimums. Many suggest limits of 100/300/100 ($100,000 per person, $300,000 per accident for bodily injury, and $100,000 for property damage) or even higher, especially for drivers with significant assets to protect or those who frequently drive in areas with heavy traffic. Investing a little more in premiums can provide substantial peace of mind and financial security.

Consequences of Driving Without Proof of Insurance in Illinois

Driving without the legally required minimum auto insurance coverage in Illinois is a serious offense with significant repercussions. The state takes vehicle insurance compliance very seriously to ensure that victims of accidents have a means of financial recovery. If you are caught driving without proof of insurance, or if your insurance lapses, you can face a range of penalties. These penalties are designed to deter uninsured driving and protect the public.

Here's a breakdown of potential consequences:

• First Offense:
  • A fine of up to $500.
  • Your vehicle's registration may be suspended.
  • Your driver's license may be suspended for up to 3 months.
  • You will be required to pay a reinstatement fee to get your license and registration back.
  • You will need to obtain an SR-22 certificate, which is proof of financial responsibility, and maintain it for a specified period.
• Second or Subsequent Offense (within 5 years of the first):
  • A fine of up to $1,000.
  • Your vehicle's registration may be suspended.
  • Your driver's license may be suspended for up to 6 months.
  • You will be required to pay a reinstatement fee.
  • You will need to obtain an SR-22 certificate and maintain it.
• Accidents While Uninsured: If you are involved in an accident while driving without insurance, the consequences are even more severe. You can be held personally liable for all damages and injuries caused. This can lead to substantial financial judgments against you, potentially resulting in wage garnishment or liens on your property. Furthermore, your driver's license and vehicle registration can be suspended for an extended period, and you may be required to file an SR-22 for up to three years.

The SR-22 requirement is particularly burdensome. It's a document filed by your insurance company with the Illinois Secretary of State, certifying that you have the required liability coverage. Insurance companies often charge higher premiums for drivers who need an SR-22, and you may need to pay your premium in full upfront. It's a clear indicator that you are considered a high-risk driver. The goal of these strict penalties is to encourage all drivers to comply with the law and ensure financial responsibility on the road.

How to Meet Illinois' Minimum Auto Insurance Requirements

Meeting Illinois' minimum auto insurance requirements is a straightforward process, but it requires understanding the necessary steps and coverage types. Here's a step-by-step guide to ensure you are compliant:

1. Determine Your Coverage Needs: As outlined, Illinois requires a minimum of 25/50/20 liability coverage (bodily injury per person/bodily injury per accident/property damage). You must have at least these limits.
2. Gather Necessary Information: When shopping for insurance, you'll typically need:
   • Your driver's license number.
   • Vehicle identification numbers (VINs) for all vehicles you want to insure.
   • Information about all drivers in your household (names, dates of birth, driving records).
   • Your current or past insurance information, if applicable.
3. Shop Around for Quotes: It is highly recommended to get quotes from multiple insurance companies. Prices can vary significantly for the same coverage. You can do this online, by phone, or by working with an independent insurance agent who can compare policies from various carriers.
4. Understand the Policy Options: When you receive quotes, pay close attention to the details. Ensure the liability limits meet or exceed the state minimums. Ask about UM/UIM coverage, deductibles for optional coverages (like collision and comprehensive), and any available discounts.
5. Purchase a Policy: Once you've chosen a policy that meets your needs and budget, you will complete the application process and pay your initial premium.
6. Receive Proof of Insurance: Your insurance company will provide you with an insurance card or policy documents. This is your proof of insurance. You must carry this proof in your vehicle at all times and present it to law enforcement if requested. In Illinois, electronic proof of insurance (e.g., on your smartphone) is generally acceptable.
7. Maintain Continuous Coverage: It is crucial to maintain continuous insurance coverage. Gaps in coverage can lead to higher premiums and potential penalties. If you sell a vehicle or are between vehicles, ensure you have a plan to maintain insurance or properly notify the Secretary of State.

Remember, the state minimums are just that – minimums. For most drivers, it's wise to consider higher coverage limits to protect your assets and financial well-being. Many insurers offer affordable options for increased liability protection.

Factors Influencing Your Auto Insurance Premiums

While the minimum coverage requirements are set by the state, the actual cost of your auto insurance premiums can vary significantly from driver to driver. Insurance companies use a complex algorithm to assess risk and determine your premium. Understanding these factors can help you anticipate costs and potentially find ways to lower your rates. Here are some of the key factors that influence your auto insurance premiums in Illinois for 2025:

• Coverage Levels and Deductibles: This is perhaps the most direct factor. The higher your liability limits, and the lower your deductibles for optional coverages like collision and comprehensive, the higher your premium will be. Conversely, choosing higher deductibles can lower your premium.
• Driving Record: Your history of traffic violations (speeding tickets, DUIs, at-fault accidents) is a major determinant of your premium. Drivers with clean driving records are considered lower risk and will pay less. A history of claims also increases your rates.
• Vehicle Type: The make, model, year, and safety features of your vehicle play a significant role. More expensive cars to repair or replace, or vehicles with higher theft rates, typically have higher premiums. Sports cars often have higher premiums due to their association with riskier driving behavior.
• Location: Where you live within Illinois can impact your premium. Urban areas with higher rates of traffic, theft, and vandalism generally have higher insurance costs compared to rural areas.
• Annual Mileage: The more miles you drive each year, the higher your risk of being involved in an accident. Insurance companies will ask for your estimated annual mileage, and higher mileage typically leads to higher premiums.
• Driver Demographics: Factors such as age, gender, and marital status can influence premiums. Younger, less experienced drivers, and particularly young males, often face higher rates due to statistical data indicating a higher risk profile.
• Credit-Based Insurance Score: In many states, including Illinois, insurance companies use a credit-based insurance score to help predict the likelihood of a policyholder filing a claim. Individuals with higher credit scores generally receive lower premiums.
• Type of Use: Whether you use your vehicle for commuting to work, pleasure, or business purposes can affect your premium. Commercial use generally results in higher rates due to increased risk.
• Discounts: Many insurance companies offer discounts for various reasons, such as:
  • Good driver discounts
  • Multi-policy discounts (bundling auto with home or renters insurance)
  • Multi-car discounts
  • Student discounts (for good grades)
  • Safety feature discounts (for anti-lock brakes, airbags, etc.)
  • Anti-theft device discounts
  • Low mileage discounts

By understanding these factors, you can make informed decisions about your coverage and explore strategies to potentially reduce your auto insurance costs while still maintaining adequate protection.

Choosing the Right Coverage Beyond the Minimums

While Illinois law mandates minimum liability coverage, relying solely on these limits can leave you financially vulnerable. For most drivers, it's prudent to consider coverage levels that offer more robust protection. The decision of how much coverage to purchase depends on your individual circumstances, including your financial assets, risk tolerance, and driving habits. Here's a guide to help you choose the right coverage beyond the state minimums:

1. Assess Your Assets:

The primary purpose of higher liability limits is to protect your personal assets from being seized to pay for damages in an accident you cause. Consider the total value of your assets, including:

• Savings accounts
• Retirement funds
• Home equity
• Investments
• Other valuable property

If the total value of your assets significantly exceeds the state minimums, purchasing higher liability limits is a wise investment to safeguard your financial future. For example, if you have $200,000 in savings and home equity, the $30,000/$60,000/$25,000 minimums would not adequately protect you in a serious accident.

2. Evaluate Your Risk Profile:

Consider factors that might increase your risk of being involved in a costly accident:

• High-Risk Driving Areas: Do you frequently drive in congested urban areas with high accident rates?
• Long Commutes: Do you spend a significant amount of time on the road each day?
• Teen Drivers: Adding a young, inexperienced driver to your policy significantly increases risk.
• Driving History: While you may have a clean record now, past incidents might suggest a higher propensity for risk.

3. Understand UM/UIM Coverage Needs:

As discussed, UM/UIM coverage is vital. Ensure your UM/UIM bodily injury limits are at least as high as your liability bodily injury limits. If you have $100,000 in liability coverage, you should ideally have $100,000 in UM/UIM bodily injury coverage as well. This ensures that if you're hit by someone with no insurance or insufficient insurance, you're protected to a similar extent.

4. Consider Higher Liability Limits:

Common recommendations for increased liability limits include:

• $50,000/$100,000/$50,000: A modest increase over the minimums.
• $100,000/$300,000/$100,000: A widely recommended level that offers substantial protection for many drivers.
• $250,000/$500,000/$100,000 (or higher): Recommended for individuals with significant assets to protect.

The cost difference between minimum liability and these higher limits is often surprisingly small, especially when compared to the potential financial devastation of an accident exceeding the minimums.

5. Umbrella Policies:

For individuals with substantial assets, an umbrella policy offers an additional layer of liability protection that extends beyond your auto and homeowners insurance policies. These policies typically start at $1 million in coverage and can provide significant peace of mind.

By carefully considering these factors, you can move beyond the basic legal requirements and select an auto insurance policy that truly protects your financial well-being in Illinois.

Understanding Collision and Comprehensive Coverage

While liability coverage protects others from damages you cause, Collision and Comprehensive coverage protect your own vehicle. These coverages are optional in Illinois but are often required by lenders if you have a car loan or lease. They are crucial for financial security if your vehicle is damaged or stolen.

Collision Coverage

Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object, or if your vehicle overturns, regardless of who is at fault. This includes:

• Collisions with other cars
• Collisions with stationary objects (e.g., trees, poles, fences)
• Damage from rolling your vehicle
• Damage from hitting a pothole that causes a significant impact

Collision coverage has a deductible, which is the amount you pay out-of-pocket before your insurance coverage kicks in. Common deductibles range from $250 to $1,000 or more. A higher deductible will generally result in a lower premium, but you'll pay more if you need to file a claim.

Example: If you have a $500 deductible and your car sustains $3,000 in damage from a collision, you would pay $500, and your insurance company would pay the remaining $2,500.

Comprehensive Coverage

Comprehensive coverage (often called "other than collision") pays for damage to your vehicle that is not caused by a collision. This broad coverage typically includes:

• Theft of your vehicle
• Vandalism
• Fire
• Falling objects (e.g., tree branches)
• Natural disasters (e.g., hail, floods, windstorms)
• Animal collisions (e.g., hitting a deer)
• Glass breakage (windshield, windows)

Like collision coverage, comprehensive coverage also has a deductible. For example, if your car's windshield is cracked by a falling branch, your comprehensive coverage would pay for the repair or replacement, minus your deductible.

When to Consider Collision and Comprehensive

The decision to purchase collision and comprehensive coverage often comes down to the value of your vehicle and your financial ability to repair or replace it yourself.

• Newer or Financed Vehicles: If your car is relatively new, financed, or leased, your lender will almost certainly require you to carry both coverages.
• High-Value Vehicles: If you drive an expensive car, the cost of repairs or replacement would be substantial, making these coverages a wise investment.
• Financial Situation: If you would struggle to afford significant repairs or a replacement vehicle out-of-pocket, these coverages provide essential financial protection.

As your vehicle ages and depreciates, the cost of collision and comprehensive coverage may start to outweigh the car's actual cash value. At some point, it may become more cost-effective to drop these coverages and self-insure for potential damage. Most insurance companies will advise you when the coverage cost exceeds a certain percentage of the vehicle's value.

Other Optional Coverages to Consider

Beyond the core liability, UM/UIM, collision, and comprehensive coverages, several other optional coverages can provide valuable protection and peace of mind for Illinois drivers in 2025. These can help mitigate unexpected costs and ensure you're well-prepared for various scenarios.

Medical Payments Coverage (MedPay)

Medical Payments coverage, often referred to as MedPay, is a valuable optional coverage that pays for medical expenses for you and your passengers, regardless of who is at fault for the accident. It can cover:

• Medical and hospital bills
• Funeral expenses
• Sometimes, expenses for services like nursing care or prosthetic devices

MedPay can be particularly useful if you have a high health insurance deductible or if you want to ensure immediate medical care for yourself and your passengers without the delay of determining fault. It typically has lower limits, such as $1,000, $5,000, or $10,000 per person.

Rental Reimbursement Coverage

If your vehicle is being repaired due to a covered claim (collision or comprehensive), Rental Reimbursement coverage helps pay for the cost of a rental car. This can be incredibly convenient, ensuring you have transportation while your own vehicle is out of commission. Coverage limits are typically a set amount per day (e.g., $30-$50) up to a maximum number of days (e.g., 30 days).

Towing and Labor Coverage

This coverage helps pay for towing services if your vehicle breaks down or is involved in an accident and cannot be driven. It also often covers minor roadside labor costs, such as changing a flat tire, jump-starting a battery, or delivering fuel.

Gap Insurance

Gap insurance is primarily for drivers who have financed or leased a new vehicle. If your car is totaled in an accident, your collision or comprehensive coverage will pay out the actual cash value (ACV) of the car. However, if you owe more on your loan or lease than the ACV of the car, gap insurance covers the difference – the "gap" between what you owe and what the insurance company pays. This is especially important in the first few years of a car loan when depreciation is steepest.

New Car Replacement Coverage

This optional coverage is for drivers of relatively new vehicles. If your new car is totaled within a specified timeframe (e.g., the first year or two of ownership) and meets certain mileage criteria, this coverage will pay to replace it with a brand-new car of the same make and model, rather than just its depreciated value.

When discussing your policy with an insurance agent, inquire about these optional coverages. They can significantly enhance your protection and provide valuable financial assistance during challenging times.

Getting an Illinois Auto Insurance Quote

Securing an auto insurance quote in Illinois is a critical step in ensuring you meet legal requirements and protect yourself financially. The process is designed to be accessible, and by following a few key steps, you can obtain accurate quotes and compare options effectively. Here's how to get an Illinois auto insurance quote:

Step 1: Gather Your Information

Before you start contacting insurance providers, have the following information readily available. This will expedite the quoting process and ensure accuracy:

• Driver Information: Full names, dates of birth, driver's license numbers for all individuals who will be driving the insured vehicle(s).
• Vehicle Information: Year, make, model, and Vehicle Identification Number (VIN) for each vehicle you want to insure.
• Driving History: Details about any accidents, tickets, or claims for all drivers listed on the policy.
• Current Insurance Information (if applicable): Policy number and coverage details from your current insurer.
• Address: Your current residential address.
• Annual Mileage: An estimate of how many miles you drive per year.
• Desired Coverage: Decide whether you want to stick to minimums or opt for higher liability limits, and consider optional coverages like collision, comprehensive, UM/UIM, rental reimbursement, etc.

Step 2: Choose Your Quoting Method

There are several ways to obtain auto insurance quotes:

• Online Quoting Tools: Most major insurance companies have online platforms where you can enter your information and receive an instant quote. This is convenient and allows for quick comparisons.
• Insurance Agents (Captive): You can contact an agent who works for a single insurance company (e.g., State Farm, Allstate). They can explain the company's products and provide quotes.
• Independent Insurance Agents/Brokers: These agents represent multiple insurance companies and can shop around on your behalf to find the best rates and coverage options from various insurers. This is often the most comprehensive approach for comparison.
• Phone Calls: You can call insurance companies directly to speak with a representative and get a quote over the phone.

Step 3: Compare Quotes Carefully

Once you have received multiple quotes, it's crucial to compare them thoroughly. Don't just look at the bottom-line price. Pay attention to:

• Coverage Limits: Ensure that the liability, UM/UIM, and any other coverage limits meet your needs and are comparable across quotes.
• Deductibles: Note the deductibles for collision, comprehensive, and any other coverages with deductibles.
• Policy Exclusions: Understand what is *not* covered by the policy.
• Discounts: Ask about all available discounts and ensure they are applied to your quote.
• Customer Service and Claims Handling: Research the insurer's reputation for customer service and claims processing. Reviews and financial strength ratings can be helpful.

Step 4: Finalize Your Policy

Once you've selected the best policy for your needs and budget, you'll need to finalize the purchase. This typically involves:

• Completing the full application.
• Making your initial payment.
• Receiving your insurance ID cards and policy documents.

Remember to keep your proof of insurance in your vehicle at all times. By taking the time to get multiple quotes and carefully compare your options, you can find an affordable auto insurance policy that meets Illinois' minimum requirements and provides the right level of protection for your situation.

Conclusion:

Understanding and complying with Illinois' minimum auto insurance requirements is not just a legal obligation but a fundamental step in responsible vehicle ownership. The state mandates a minimum of $25,000 in property damage liability and $30,000/$60,000 in bodily injury liability coverage per person/per accident. However, as explored throughout this guide, these minimums are often insufficient to cover the escalating costs of medical care, vehicle repairs, and potential legal judgments in 2025. Driving without adequate insurance carries severe penalties, including hefty fines, license suspension, and the risk of personal financial ruin. Therefore, while meeting the legal minimums is essential, it is highly recommended to consider higher liability limits, robust Uninsured/Underinsured Motorist coverage, and optional coverages like collision, comprehensive, and rental reimbursement to ensure comprehensive protection. By carefully assessing your assets, risk factors, and financial goals, you can select an auto insurance policy that not only keeps you compliant with Illinois law but also provides the peace of mind and financial security you deserve on the road.