In order to simplify and save on insurance, people enter an insurance policy with family or a partner. It’s a very common thing to do, especially for large families seeking to insure inexperienced drivers. Unfortunately, when you have multiple people on a policy, one person’s mistake may raise your insurance rates. This post discusses what …
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 …
Regardless of what you did to get your license revoked or suspended, the process for reinstatement has barriers. Not only is the process long, but it is also expensive and only gets more expensive for repeat offenders. Worse yet, if the license revocation came due to a DUI you received, the path will be harder …
When people discuss car insurance the term high-risk driver often comes up. But most people misunderstand what a high-risk driver is and what it entails. Sometimes a high-driver is a comparison between drivers due to factors that determine rates. Other times the labels used for people who have a history of car accidents, traffic violations …
Most people understand the importance and necessity of having car insurance. Unfortunately, some people still drive uninsured for any number of reasons. Uninsured drivers do not make roadways unsafe, but they do make things frustrating in the case of an accident. If an uninsured driver hits you, and you do not have collision coverage, you …
Cell phone use can feel addictive for some people to the point where they must check it often. In fact, cell-phone use addiction has been well documented over the past decade, and there is even a quiz to test your addiction level. A major issue that arises from cell phone use and addiction is distracted …
While most people are aware of the dangers of driving under the influence of drugs and alcohol, they fail to realize the dangers of fatigued driving. Sure, we’ve all felt sleepy behind the wheel at one point or another, often on the way to or from work. You likely still felt in control and awake, …
As cars continue to become more advanced in their performance and safety, the opportunity to add more prevention features may present itself. There has been some real progress in how cars operate, from alerting the driver of an imminent collision to being able to operate on its own. As we further explore what cars can …
You take several risks when attempting to drink and drive. The obvious ones include loss of life, jail time, fines, and Sr-22 insurance. But what about the hidden costs and risks of driving under the influence of drugs or alcohol. Permanent records, job loss, and litigation fees may not be the first thing that comes …
In the unfortunate case that you are required to carry Sr-22 insurance, there are ways to help the process run smoothly. A typical Sr-22 requirement will last about 3 years, and in that time you must maintain insurance coverage and drive safely. Although three years is a long time, it’s important that you satisfy the …
Drinking and driving is never a wise decision, yet motorists attempt it regularly. In order to deter people from drinking and driving, Illinois imposes harsh penalties and fines. Those caught driving under the influence run major risks. The penalties grow harsher for each repeated offense, and if you injure someone badly, it can become a …
Everyone loves a fun night out with friends, some cold drinks, and good conversation. Not so popular, however, is choosing who the designated driver will be. The designated driver is the person who will avoid consuming alcohol or other impairing substances so they can drive everyone back safely. It is a system used by many …
Illinois is one step closer to becoming yet another state to make recreational marijuana use legal. The bill to legalize weed now only needs the signature of Governor Pritzker, but this legislation does not change DUI enforcement. Some people may not be aware, but driving high will get you a DUI. Dangers Just like alcohol, …
Driving under the influence is dangerous for a number of reasons. Not only can drunk driving lead to a serious accident; it may end with a conviction. In Illinois, one of the harshest states for DUI convictions, a single conviction can result in license suspension for one year. If it occurs again the penalties only increase, …
Rain presents problems for even the most skilled drivers. Not only does in obstruct vision, but it can make controlling your vehicle difficult. Undoublty, we have all experienced hydroplaning, when your vehicle is no longer catching the road due to water causing a loss of control. It can be a small recoverable slip and sometimes …
An often not reported and dismissed danger that drives face is fatigue. Undoubtedly everyone has felt some drowsiness while driving on long road trips, or on their commute. The danger is under-reported because people are reluctant to acknowledge they were drowsy when an accident occurs. Drivers often dismiss fatigue because they believe they can keep …
Sometimes after a fun night out, people erroneously think they are good to drive, but in reality, they are well past “good.” It may seem like driving “a little drunk” will not affect a person’s ability to operate, but often alcohol has a larger impact. Here are some tips to tell if you or someone …
What if my insurer doesn’t file SR-22 certificates? As frustrating as it may be, it would be ideal to select a car insurance company that files SR-22 certificates. Unfortunately, not every insurance company will and the worst time to find that out is after you need it. People may find themselves in a tight spot …
Even if drivers are not considered high-risk or do not own a car, it is important to have some form of insurance. A non-owner policy helps avoid higher insurance rates in the future. Insurance companies that see gaps in insurance coverage will charge higher premiums. People that benefit from non-owner policies are people who frequently borrow …
