Collision Coverage Insurance Palatine, Illinois IL
Reader’s Question:
My tire blew out while driving and I totaled my vehicle. I only have liability car insurance on my policy in Palatine, Illinois, will I be able to get some money from the auto insurance for a new vehicle?
Kelly
Palatine, IL
Unfortunately your insurance carrier in Palatine, Illinois will not be paying out on an insurance claim for your accident thus you will not receive money for a new car.
If you only have liability coverages on your car insurance policy then you do not have any coverages for your own car, just coverages for others that you may injure or for property damage.
To be able to make a car insurance claim with your insurance carrier you would need to have comprehensive and collision on the car. With these car insurance coverages you could make a car insurance claim for the damages your vehicle sustained because of the blow out tire. If the vehicle is totaled like what you said then you would receive actual cash value (ACV) for the car if you had these auto insurance coverages.
Keep in mind that if you want your vehicle to be covered for damages you sustain in a crash you will need to include collision coverage to your state required liability coverages on your car insurance policy.
Tags: auto insurance, collision insurance coverage
Comprehensive Auto Insurance Des Plaines Illinois IL
Reader’s Question:
The rims for my vehicle was stolen out of my truck. Do I make an insurance claim against the homeowners or car insurance in Des Plaines Illinois?
Fred
Des Plaines, IL
If the rims were stolen off of your vehicle you should inform your auto insurance agent to check if you can make an insurance claim under your comprehensive coverage in Des Plaines. It is also important to make a police report since your insurance carrier will want a copy.
In most cases, in order for custom parts to be covered under your car insurance policy your insurance carrier would need to be informed about the parts beforehand. Many insurance carriers would want to do an endorsement for these non-factory parts to be covered. Some insurance carriers would call this an custom parts coverage or additional equipment endorsement.
Likely since the rims for your car were not on your vehicle at the time that it was stolen it is more likely they will be considered personal property stolen from your truck, so the car insurance claim would go through your homeowner’s insurance policy. I do not know the specifics of your homeowners or car insurance policy so I would suggest that you speak to your car insurance agent(s) in Des Plaines Illinois to know under which insurance policy a claim may be made.
Tags: auto insurance claims, car insurance, comprehensive insurance coverage
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