Reader’s Question: Do I really need to have everything that is currently included under my car insurance coverage here Illinois? I want to have a better understanding of how car insurance works since I think I can save some money by trimming down on my coverage. Thanks! Lourdes Fayetteville, NC The answer to your first [...]

Reader’s Question: My teenager, recently getting his drivers license here in Illinois, is very excited to start driving and I am very much the proud parent, however, how can I keep my car insurance costs to a minimum when I add my teenager to my insurance policy? Janus Chicago IL It is, most of the [...]

Reader’s Question: I’ve been caught driving and unfortunately I don’t have car insurance yet here in Illinois. I’ve been instructed to file an SR22 form. What is it and how do I get one? Thomas Joliet, IL An SR 22 is a form that proves you have financial responsibility, also known as insurance, for your [...]

Reader’s Question: I was wondering if you could provide tips on how to lower our car insurance costs for our family car here in Illinois. Ever since my kids started using the car I had to put them under my insurance and it is really costing us. Thanks! Palmer Joss Chicago IL Reality is that [...]

Reader’s Question: Can I file for an SR22 under my car insurance Company for my husband? He has recently been detained due to DUI and we need to get his license back (since he already served his time) for work here in Chicago. He has also had some previous violations here in Illinois but that [...]

Reader’s Question: I am buying my very first car with my new job here in Illinois IL. My officemates are all telling me to have the car insured immediately. I’m really not looking forward to having to spend again. Can I do without auto insurance? Nick Springfield, IL I hate to be the bearer of [...]

Reader’s Question: Is it legal for a car insurance company to deny claim if the driver doesn’t wear seat belts? For Example, I let a friend drive my car and he gets into an accident. Can my car insurance company in Naperville, Illinois say that the insurance coverage did not count because my friend didn’t [...]

Reader’s Question: A couple of weeks ago my friend’s car bumped into another car, she had a passenger at that time who claimed she had whiplash. For one week, she was not able to go to work and is now planning on suing my friend. My friend, only has 3rd party car insurance and was [...]

Reader’s Question: Who pays for my stolen vehicle? My car was caught on fire after a police chase. Judy Schaumburg, IL You would need a comprehensive coverage in Schaumburg Illinois on your car for your vehicle to be covered if it was stolen and recovered after the thief was involved in a police chase while [...]

Reader’s Question: Someone took my vehicle without permission in Illinois while I am out of town and gets into an accident and I would like to know if my car insurance cover the damages on my vehicle? Ben Wheaton, IL Generally an insurance carrier will extend your car insurance coverage to others that operate your [...]