Uninsured motorist coverage in Illinois protects drivers involved in accidents with motorists who lack adequate insurance. This insurance component is crucial in the state, as it helps mitigate the financial risks associated with accidents. Individuals need to review their automobile insurance policies to include this coverage, especially since not all drivers carry sufficient insurance or …
Collision and comprehensive coverage in Illinois is crucial in protecting vehicle owners from financial loss. Collision coverage specifically addresses damages incurred during accidents or collisions, while comprehensive insurance safeguards against non-collision incidents like theft or natural disasters. This distinction is important for drivers navigating the risks of cities like Chicago. Without proper collision and comprehensive …
Collision and Comprehensive Coverage in Illinois Read More »
Bodily injury coverage in Illinois is designed to protect drivers from financial liabilities resulting from bodily injuries caused to others in an accident. This type of coverage addresses medical expenses, lost wages, and other costs associated with physical injuries sustained by victims. In Illinois, the importance of adequate bodily injury protection cannot be overstated, as …
Typically, SR22 policies are for people who have committed traffic or other violations and are ordered by a court to obtain one. Sometimes referred to as SR22 insurance, the policy is not insurance itself, but rather proof that you are insured. It usually takes about 3 years for an SR22 requirement to expire. However additional …
Understanding Sr22 policies can seem complex but in reality, they are quite simple. If a driver commits certain driving violations or lacks proper insurance a court will order them to take out an Sr22 policy. However, a driver committing other non-driving violations can also meet the requirements for issuing a policy. The purpose of this …
SR22 policies are for people whose insurance companies consider them to be high-risk. Sometimes referred to as SR22 insurance, the policy is not insurance itself, but rather proof that you are insured. It usually takes about 3 years for an Sr22 requirement to expire, however, additional offense during that time could increase the penalty. From …
Although auto insurance policy sometimes seems too expensive, everyone who drives needs one. But for people operating on a low budget, they may consider not purchasing a policy for their vehicle. However, drivers who go uninsured end up paying for it, sometimes in more ways the one. Driving without insurance is illegal in Illinois, and …
Have you heard someone say “I know when I drunk too much” or “I drive better when drunk” before? Well, hopefully, no one lets that person drive or they did not injure themselves or others because a buzzed driver driving is dangerous. A person may not notice the level of intoxication they reached before stepping …
Planning a night in the city this weekend? Likely included in your plans are transportation from destination to destination. While driving is usually people’s go-to option, if you plan on drinking, plan on not driving. Instead of taking risks such as letting a friend drive, people should consider taking a cab or rideshare. There is …
It’s safe to say no one wants to be in a position where they need to obtain Sr-22 insurance. But, sometimes people make mistakes that lead to a court-ordered Sr-22 insurance filing. The process of filing Sr-22 insurance takes about a month to go through and does not have to be frustrating or confusing. As …
High-risk drivers, those with a DUI conviction, and/or drivers who have been caught on a suspended or revoked license, know-how difficult finding auto insurance can be. This is due to the fact that those situations usually result in drivers needing a Sr-22 policy. What drivers might not know, is that there are three types of …
Distracted driving has plagued roadways since cell phones texting became popular. Yet, for a while, insurance companies were not penalizing drivers too hard for being ticketed for it. However, since 2011, research shows that companies have skyrocketed their penalties for distracted driving by 10,000%. Unfortunately, you did read that correctly, it’s not an exaggeration in …
If you’ve ever been at-fault in an accident or committed a serious traffic violation, you likely carry Sr-22 insurance. While technically not coverage, the Sr-22 is proof that a driver is carrying at least the minimum amount of auto insurance. In many cases, drivers who commit serious violations such as speeding (20+ mph over the …
Have you ever received a high quote from an insurance company and wondered how they came up with that price. Outside of looking at your personal information, and vehicle information, companies look at the number of insurance points on your driving record. A driver accumulates insurance points through violations such as tickets and at-fault accidents. …
Have you ever wondered what the difference is between a revoked driver’s license and a suspended one? Although neither of the two is good things, they do have a small but important difference. They have similarities too, none of which are good. For one, they both mean you lose your privilege to drive, but one …
Revoked License Vs. Suspended: What’s The Difference? Read More »
If you’ve ever been ordered to carry S-22 insurance, otherwise known as a financial responsibility form, you know how long the process lasts. A court can order a driver to carry Sr-22 insurance for many reasons such as DUI convictions or reckless driving. Although the requirement to carry the financial responsibility form ends usually after …
It’s no secret that high-risk drivers pay more for their auto insurance. A driver becomes high-risk after they rack up a number of violations, cause a serious accident, driving distracted or impaired. Insurance companies view those behaviors as a high-risk to cover and some may deny you coverage due to your status and driving history. …
The average cost of a DUI in Illinois is just under $3000. But the cost of a DUI does not account for other fees associated with a DUI such as car towing, lost wages, bail, and court fees to name a few. This post will go through some of the major impacts your finances will …
As you may or may not know, you will undoubtedly be asked for proof of insurance when you are pulled over. Some people may not be aware, but having auto insurance and having proof of insurance are two different things. For a long time, the only acceptable way to show proof of insurance came in …
Driving Uninsured Vs. Driving Without Proof of Insurance Read More »
If you are drinking and plan on driving later, there are a few things to remember before getting behind the wheel. Many people believe as long as their BAC is under .08 they are safe from a DUI arrest, but this is not true. Illinois law permits drivers to be on the road if their …
