Posts filed under 'Non owner insurance'
Reader’s Question:
My son no longer is a household member. He has moved out in Arizona and has changed his address. She does not own a vehicle. I no longer want to continue having him listed as a primary motorist on my car in Illinois but want him to be covered if he occasionally uses the car. My insurance agent informed me I had to have him as “primary” on one of my cars since I have more than one car. Is this true? Why cant he be listed as just an occasional driver?
Marlen
Chicago, IL
Ultimately, it’s up to your insurance provider in Illinois as to whether your son has to be listed on your policy as a driver or not. With that being said, some insurance providers will permit you to remove your son from your insurance policy with proof he does not live in your household or proof he has his own insurance policy. That being said, most carriers permit coverage for “occasional” drivers provided that the “occasional” motorist does not live your household, and your cars are parked at your residence at the end of the day. You may want your son to look into a “non-owner” policy that will help cover him for cars not provided to him on a regular or frequent basis.
July 6th, 2008
Reader’s Question:
I do not have a vehicle currently but I do have a driver’s license. Am I required in Illinois to buy insurance to drive my friend’s car on a some occasion? I live in Rockford, Illinois.
Joseph
Rockford, IL
The state of Illinois law (625 ILCS 5/7-601) states that it requires all car owners to have minimum amounts of car liability insurance. According to the IL Division of Insurance, lending institutions may require physical damage insurance to protect their interest in a financed car.
Generally, the car owner’s policy on a car that you may borrow on a some occasion should cover you as a motorist. For instance the Illinois DOI states that the typical bodily injury liability coverage pays for bodily injury to another individual or property damage you cause due to the negligent operation of a car. It may also pay if the accident was caused by a member of your household living with you or an individual using your car with your permission in Rockford, IL.
You may not be required to have your own insurance policy if you do not own a vehicle in Rockford, IL, nor have a vehicle in your household whose insurance policy you could be put on, then you can obtain a non-owners policy. Non-owners insurance typically is additional coverage to provide you liability protection for when you are at fault and do not own a car.
June 4th, 2008
Reader’s Question:
I am twenty years old, living in Chicago, Illinois without a job and looking to get non-owners auto insurance.Is it possible to acquire non owners so that I am able to drive my fathers car to look for a job? I still live in the same household with him.
Tim
Peoria, IL
Non-owners car insurance policies are for motorist who do not own a car but be aware that typically this policy will not cover you driving other vehicles owned by family members or other members of the household in which you reside. Therefore a non-owners policy would not help cover you to drive your father’s vehicle since you still live in the residence with him.
If you live in a household, normally, even if you are not the registered owner of a car but drive it, you should be on the car insurance policy for the car. So since you do live in the same household as your father you would need to be on his auto insurance policy. Most insurance providers require that all household licensed drivers be listed on the car insurance policy. If you are not listed then you may see about being added and if need be paying for your portion of the car insurance bill, which will likely be cheaper than you buying your own auto insurance policy.
May 3rd, 2008
Reader’s Question:
I have just moved from England to the United States. I have an international driver’s license but have not applied for an Illinois driving license yet which is where I will be living. Can I get an insurance quote from someone without having to do a driving test?
Lionel
Decatur, IL
You will need to get a valid United States driver’s license before you can get a quote for the Illinois auto insurance. In some cases, you will need to have a valid U.S. license in order to buy insurance, anyway. There are some auto insurance companies in Decatur Illinois who will quote you and sell auto insurance to you with your international driver’s license. But, they will require you to get your regular driver’s license within thirty to forty-five days of your policy’s inception date, or they will cancel your auto insurance policy.
If you get your valid United States driver’s license and you still need a quote for auto-insurance policy, you can get a quote and have the ability to purchase your policy immediately online.
May 3rd, 2008
Reader’s Question:
Why is it that auto insurance web sites dont let you get a non owner quote? All site I have checked requests vehicle information and does not give the option of “no vehicle” that is why I am not able to proceed any further on the website without vehicle information.
Mary
Peoria, IL
Well, not all auto insurance companies in write non-owners policies or perhaps some insurance company’s’ online systems are not set up for non owners policy quotes. Most insurance providers Peoria Illinois request information on a vehicle on their website so you will need to call for a non-owners quote.
Non-owners auto insurance is a type of liability insurance, it only covers the named insured while operating vehicles. In Peoria Illinois, a non-owner policy contains Bodily Injury Liability and Property Damage Liability. This depends on the type of coverage you choose for your policy, the policy will cover you up to the limits you choose.
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May 3rd, 2008
Reader’s Question:
I received a quote for auto insurance, Springfield Illinois for $210/yr. After a week I went in and signed the auto insurance policy. The next day I received a call from an auto insurance agent saying that the underwriters changed the snowmobile policy on the previous Monday, between the quote and signing. The new quote under the new policy came in at a bit higher than the first quote. Am I entitled to the first auto insurance quote price since it was performed before the change took place?
Allan
Springfield, IL
I would suggest that you should check with the Illinois insurance regulator, Office of the Commissioner of Insurance (OCI), to check what IL state insurance statutes have to say about your current situation.
Generally, when you are quoted an auto insurance rate Springfield Illinois, the auto insurance agent tells you how many days that specific rate is good for. If you came in within that time then you may have an issue with the insurance provider if they are stating it is their underwriting that changed rates and the rate change was not due to something they found out about you after issuing the auto insurance quote, such as your driving record was different then you stated in the application, etc.
The auto insurance agent in Springfield Illinois should be able to give you a satisfactory explanation for the increase in your premium. If you feel that your premium was intentionally quoted low in order to get your business, you should be able to file a formal complaint with the OCI.
May 3rd, 2008
Reader’s Question:
Who can provide a quote for my car insurance in Elgin Illinois?
Amy
Elgin, IL
A licensed car insurance agent can quote car insurance in Elgin Illinois.
A licensed car insurance agent will have to be appointed by a car insurance company in Illinois in order to quote car insurance. Some states require the agent to be licensed, the managing general agent to be licensed, the agency to be licensed and the insurance company to be licensed. A car insurance agent will need to satisfy the requirements of the state of Illinois in order to become a property and casualty car insurance agent. Most agents pass an examination administered by your state in order to become qualified as an agent.
You may call car insurance companies in Elgin Illinois to speak with licensed agents or to get a quote for car insurance.
May 3rd, 2008
Reader’s Question:
Hi, I live in Naperville Illinois. My question is: Does getting rate quotes in IL affect your credit score since the auto insurance companies check your credit history?
Jonas
Naperville, IL
Most auto insurance companies in Naperville IL do check credit scores when determining insurance rates. It is true that credit rating companies like Experian, Trans Union and Equifax have been known to use inquiries towards your credit report to impact your credit score. These queries that affect your credit score are queries for getting credit NOT inquiries that review your credit (like an auto insurance quote) or use credit as a portion of your insurance score.
The exact formula for calculating credit scores are closely guarded as secrets. Usually, most recently developed credit scores recognize when a person is shopping for auto insurance and either ignore multiple inquiries or count them as only one inquiry if they occur within a specific period of time.
May 3rd, 2008
Reader’s Question:
Could I get a quote and open an auto insurance policy in Cicero Illinois from another state?
James
Cicero, IL
States generally require you to buy an auto insurance policy from a state licensed auto insurance company. That means if you reside in Cicero, IL you must purchase auto insurance policy with an insurance company licensed in Illinois. There can be exceptions, for iexample if your vehicle is registered and insured in one state but you go to college in another state. It might be possible to transfer insurance from one state to another if your auto insurance company is licensed in both states. Yes you may get a quote online. There are various websites that offer free auto insurance quote.
May 3rd, 2008
Reader’s Question:
Can you be quoted on your parents’s auto insurance in Aurora Illinois as a driver if all you have is an learner’s permit?
Aurora, IL
The parents should be able to obtain a quote as to how much it will cost to add a driver with a learner’s permit to their auto insurance policy. This depends on the circumstances, the additional driver may have a certain time to get a regular driver’s license. In addition to that, if the parents add this additional driver to their policy, their rates may increase. However, there are auto insurance companies in Aurora IL that will add a driver with a learner’s permit and not increase the policy’s premiums.
May 3rd, 2008