Drunk Driving Insurance Chicago Illinois IL
Reader’s Question:
I live in Chicago, Illinois and I am curious if a car is in forfeiture with a state due to a DUI conviction will GAP insurance cover the loan amount?
Alexia
Chicago, IL
No, a forfeiture of your car to the state due to a DUI conviction will not normally be covered by your GAP insurance. GAP insurance pays the balance left on a loan after a car’s actual cash value (ACV) has been paid out by a primary insurance company after a covered loss; such as the car being totaled out in a car accident or being stolen and declared a total loss.
A forfeiture or seizure by your state’s law enforcement of your car would not count as a covered loss by either your primary insurance provider or your GAP insurance carrier. If your state’s laws allow your car to be seized by the state after a DUI conviction then this would not be a covered loss in which a car insurance provider in Chicago, IL would pay out actual cash value to your (or your lien holder) for the car and thus the difference (or gap) between ACV and your loan balance would not be there for GAP insurance to pay. But instead your whole loan balance would be due. Many states auction or sell off cars they obtained from seizures or forfeitures in which case your lien holder may get some money for your vehicle from the state. Likely this will not be enough to pay off what you owe and leaving you to pay off the remaining loan balance. If your car was forfeited to the state due to a DUI conviction, then you should contact the courts involved in your case to find out what they do with seized vehicles and if there will be money going to your lien holder from a sale. You then should also speak with your lien holder regarding this situation to see what balance you will have left and how to go about paying it off.
Tags: auto insurance, DUI insurance
Auto Insurance Question Peoria Illinois IL
Reader’s Question:
My son has his driver’s license but he is not driving, we live in Peoria, Illinois and I need to know if it is a state law to have insurance coverage on him even though he is not driving?
Thomas
Peoria, IL
I understand your concern for your son that doesn’t have insurance although he isn’t driving any vehicle. Just so you know, Illinois law requires you to have insurance before you drive. After you pay for your insurance policy, your company will send you an insurance card that you must keep in your vehicle at all times. If you get caught driving without insurance in Peoria, IL and unable to show your insurance card, you will be facing a fine and suspension of your license plates.
The information that the Illinois Department of Insurance gives to teen follows: The easiest, and probably cheapest and affordable way to get insurance is to be added on your parents’ insurance policy. They may either add you to their vehicle, or if you have your own vehicle (and your parent’s name is on the title of your car), they can add your vehicle to their insurance policy. Your parents’ rates will increase, in either case, so options and costs may need to be discussed first. Now to find out if there is a specific state law that requires you to have coverage on your son, you can check with the IL Department of Insurance. Even if there is not a state law, typically, car insurance companies have their own guidelines and rules that requires all licensed household members to be listed on the insurance policy.
Tags: auto insurance
Auto Bail Bond Insurance Illinois IL
Reader’s Question:
What does auto bail bond card mean in Illinois?
Sanders
Chicago, IL
In Illinois, this bond card will keep a driver’s license from being confiscated by police officer. In the state of Illinois, if you are ticketed for a minor moving violation, the the law enforcement officer will take your driver’s license as bond to guarantee your payment of your fine or appearance in court. The Traffic Bail Bond Card may be accepted in place of your driver’s license, permitting you to retain possession of your drivers license.
An Illinois county court provides information on how having a bail card can assist you. Here it states if no court appearance is required a judgment may be entered against you for the fine, costs and penalties as provided in the “Notice of Consent for Entry of Judgment. Your issuing bond card company will be billed for the full amount of the judgment and your bail card will be forwarded to them upon payment.
Tags: auto insurance
Beginners Car Insurance Wheaton Illinois IL
Reader’s Question:
Can a 17 year old boy have a vehicle titled to his name and get auto insurance in his name only in Wheaton, Illinois?
Daniel
Wheaton, IL
In the state of Illinois there is no law prohibiting a teen from holding the title to a car. But, the Illinois Secretary of State (SOS) advises caution to those that may sell a car to someone younger than eighteen, because only a buyer eighteen years old and older can be legally bound to a sales contract.
So as a teenager it is likely that when purchasing a vehicle you will be required to have a parent or guardian sign on any legal document with you, such as the insurance policy and the sales contract that you will need to put on the car you title under your name at age of seventeen in Wheaton, Illinois.
So while the state of Illinois may not have a minimum age for titling a vehicle under their name, an insurance provider will normally require an parent or guardian or adult, sign on your insurance policy with you since you are a minor and your car insurance policy is a legal document.
Tags: auto insurance, Beginner car insurance, teen insurance, Young driver car insurance
SR22 Auto Insurance Naperville Illinois IL
Reader’s Question:
How long do I have to carry the SR22 auto insurance in Naperville, Illinois ? This is due to DUI.
Sarah
Naperville, IL
The offense will permanently stay on your driving history if you are convicted of DUI. If you are convicted and/or arrested, you may lose your drivers license and be fined and/or imprisoned. Repeat convictions or arrests may result in severe penalties.
Typically, an SR22 insurance is required to be carried for a period of 3 years. To know exactly how many years you are required to carry the SR-22 due to a DUI conviction in Naperville, Illinois you may contact the Illinois Secretary of State directly. This state agency should be able to inform you how long the SR22 is required and how to go about canceling it once you no longer are required by the state to carry it.
Tags: car insurance, sr22 insurance
SR22 Car Insurance Chicago Illinois IL
Reader’s Question:
How will I know if I am no longer required to carry SR22 insurance in Chicago IL?
Robert
Chicago IL
The length of time that one must obtain an SR-22 varies depending upon the reason you are required to carry this financial responsibility certificate, and the state laws etc. Some states notify you how long you will have to carry the SR22 when you are first required to get it.
If you think that your time period is over, you should contact your Department of Motor Vehicles in Chicago IL, or like state agency, to check if you may take off the SR-22 or not. The Department of Motor Vehicle should also be able to inform you how long the SR-22 is require for various violations so you will know how much longer you are required to hold the SR-22 if your time is not up yet.
Tags: auto insurance, sr22 insurance
Young Driver Car Insurance Chicago Illinois IL
Reader’s Question:
I have a full coverage insurance policy on my car and I would like to know if my 17-year-old son would be covered if something should happen?
William
Chicago, IL
If you have full coverage on your car then your 17 year old son may be covered. I cannot say for sure if the teen would be covered without knowing the exclusions and terms listed on your insurance policy and details about the teenager..
If the teen is not a member of your household I would suggest that you read over the terms of your insurance policy and talk to your insurance broker or agent to make sure he would be covered. Some insurance policies have exclusions for motorists under a certain age or other exclusions that would limit the coverage on those that may drive your car.
To know for sure if your current insurance coverages would extend to your 17 year old son, verify with your car insurance agent. If he is not covered and needs to obtain auto insurance, you can start here by obtaining a cheap car insurance quote.
Tags: auto insurance, teen insurance, Young driver car insurance
Auto Insurance Premium Wichita Kansas KS
Reader’s Question:
Do I save money on service charges if I pay premiums in full rather than on a quarterly or monthly basis in Wichita Kansas?
George
Wichita, KS
Usually, annual premium payments are the most economical. By paying your insurance company the full year’s premium, you can avoid incurring additional administrative charges that add up with quarterly or monthly billing. Also, many auto insurance companies charge a much smaller fee if you have your premium deducted automatically from a checking account every month. So I would advise checking with your Wichita Kansas insurance company how much you can save by doing that.
By paying in full, you can avoid installment fees or “fractional premium” fees which are usually charged when you pay your annual premium in installments rather all at once. Payments usually are offered on a six-month, quarterly or monthly basis, but almost all insurance companies charge an administrative fee for breaking up the payments in smaller amounts the more you break it down, the more fees you pay.
Always be aware of the fees when paying in installments. If the fees are just minimal, it may be worth it. Keep in mind that insurance companies can cancel your policy for late payment even with just little notification, so make sure you won’t miss an installment. As much as possible, if you can pay the premium upfront, it may be wiser since it would simplify the process and probably save you a few dollars.
Tags: auto insurance
How To Avoid Fraudulent Car Insurance Companies
Reader’s Question:
How can I avoid purchasing fraudulent auto insurance in Missoula Montana?
Spencer
Missoula, MT
There are probably hundreds of fraudulent auto insurance companies in the market right now not only in Missoula Montana but all over the US. These auto insurance companies may attract you easily because of their promises of extraordinarily low prices like special prices that last for limited-time only. As a consumer, you can protect yourself by having some basic knowledge about these auto insurance scams. You can follow some tips on what to look for in order to avoid becoming a victim of fraudulent car insurance.
When applying with one of the major insurance providers, make sure that the company is using their exact name spelled correctly. Scammers often try tricking customers into thinking their applying with a legitimate company because they have very similar sounding names (i.e. Geicko instead of Geico).
Be suspicious of any company that says they will accept all applicants no matter what their driving history or past claims were. While there may be actual car insurance providers that make offers similar to these, fraudulent companies will try their best to get your attention even offering you the most impossible thing as well as to lure drivers that were rejected by other major companies.
If you’re searching for car insurance online, make sure the website leads to a completely legitimate company. The insurance company should also be able to provide you an actual physical address, as well as a real phone number or some other way to contact them other than just e-mail. Many scammers will send advertisements and auto insurance offers by e-mail, phone, and postal mail.
Before applying with an insurance company, conduct some research. It shouldn’t be hard for you to find some financial ratings and customer reviews if it’s a real insurance provider.
Tags: Car Insurance Company
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