Posts filed under 'SR22 insurance'
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 was a long time ago, will all of this affect me as well?
Cathy
Chicago IL
Since you are the spouse, and if the car your husband was arrested in for DUI is under your car insurance coverage, you should be able to have your car insurance company there in Chicago, Illinois file an SR22 for you. The unfortunate thing, however, is since your husband got charged for DUI this will go against your record as well as written under state law. This could also mean an increase in the amount your paying for car insurance for a while until both of you are able to demonstrate financial responsibility through the said SR22 form and avoiding future infractions, even speeding tickets.
Do take note that you will normally only need to maintain your SR22 for about a couple of years but this still depends on the gravity of your husband’s offense. I suggest you talk to your insurance agent immediately about getting the SR22 since you will need to get your husband’s license back as quickly as possible. Make sure to also ask your insurance agent about the other necessary paperwork needed to be accomplished in this case. Finally, since you mentioned that he has had some bad driving records in the past, it will be up to you to make sure your spouse knows the implication of further being caught or pulled over for any other form of driving violation as the resulting penalties and fees will be significantly more severe with repeat offenders.
Tags: car insurance, DUI, DUI arrest, DUI conviction
October 14th, 2008
Reader’s Question:
Hello! Everything costs more. In these days of high cost gasoline, auto repairs and general expenses, I need the cheapest car insurance available in Chicago Illinois. What can I do?
John
Chicago, IL
Hello John,
You are correct that finding the cheapest car insurance is very important in today’s economy. To find the cheapest car insurance in Chicago Illinois, shop smartly and take preventive steps to help lower your rate and the auto insurance carrier’s exposure. Once you have determined your insurance needs, get a competitive price.
But, even before you shop there are some things every car owner can do to make sure they qualify for the cheapest car insurance available. If your car does not have anti-theft protection, have it installed. Helping prevent theft will qualify you for the cheapest car insurance rates.
If you have more than one vehicle, the cheapest car insurance rates will apply if you combine the cars and obtain prices for multiple cars. Putting all your vehicles on the same policy will definitely qualify you for the cheapest car insurance proposals.
Another effective way to procure the cheapest car insurance is to apply for annual policies. The longer the term, the greater the savings will be. Structure your request for the cheapest car insurance to comply with these specifications and request proposals from this cost-effective site.
Good luck, John!
Tags: auto insurance, cheap auto insurance
October 10th, 2008
Reader’s Question:
I am buying my very first car with my new job here in Springfield 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 bad news, Nick, but you are required to have insurance prior to car registration. But, don’t fret, this seemingly bad news can prove to be very useful in the future.
You will be required a liability coverage, at the minimum, when you register in Springfield. Liability coverage offers protection for you when you have caused injury to somebody else because of a collision. In other words, when you are the one responsible for the collision, you will be required to pay for the damages you have caused to the aggrieved party. Liability coverage will be used in this case and you can be penalized for non-compliance if you were found to be without one. That would be a double whammy since you not only have to pay for all the expenses of the damages from your own pocket; you also have to pay a considerable amount for non-compliance.
Although you are only required a liability coverage, it will be good for you to also explore the many other types of auto insurance. You may want to shop online for free quotes – you can do so on this page by entering your zip code on the space provided. Or you may want to set up an appointment with a local insurer in Springfield Illinois IL.
The other types of auto insurance are collision and comprehensive. Collision coverage will pay for the damages your car has sustained due to a collision, and can be bought as an addition to liability coverage. Comprehensive coverage includes all the features of liability and collision, plus any damages the vehicle may have had due to fire, storm, theft or vandalism.
You may not see the wisdom of getting auto insurance now but it can serve you well in the long run.
Tags: auto insurance
October 10th, 2008
Reader’s Question:
I have already paid eighty percent off on my auto loan but my vehicle was recently stolen. What do I get from my car insurance company in Rockford, Illinois? I do not want another car.
Bobby
Rockford, IL
When your vehicle is stolen and was not recovered you make a car insurance claim with your auto insurance carrier under the comprehensive coverage of the car insurance policy. The settlement will be for the car will depend on your specific insurance carrier’s rules and guidelines and state laws.
Most insurance carriers in Rockford, Illinois will settle the car insurance claim on the stolen car by offering you what they see as the ACV of the car at the time of the vehicle got stolen, less your deductible for your comprehensive insurance coverage. Most states, such as Illinois, permit the insurance carrier to replace your car if certain conditions apply.
To know exactly what type of settlement you may expect to get you will have to talk with the insurance claims adjuster from your insurance carrier that is working this insurance claim. He should be able to tell you the details of your car insurance policy.
Tags: auto insurance claims, Car Insurance Company
October 5th, 2008
Reader’s Question:
If you do not own a vehicle right now but I do have a driver’s license in Springfield, Illinois. In Illinois am I required to get car insurance to use someone else’s automobile occasionally?
Becky
Springfield, IL
The car insurance policy on an automobile that you may borrow occasionally should cover you.
Auto insurance policy terms may differ, so the individual who owns the vehicle that you operate occasionally, and therefore has the car insurance policy on it, should read over their automobile insurance policy and talk to their car insurance agent to be sure you are properly covered to drive their car from time to time.
If it is a family member’s vehicle (the same household you live in) that you are driving on rare occasion then normally you will be required to be listed to their car insurance policy and be rated as a driver.
If you do not have an automobile you may not be required to get your own automobile insurance policy in Springfield, Illinois so then you can buy a non-owners policy. This non-owners car insurance policy is an additional coverage to provide you insurance liability protection if you are at fault and do not own an automobile.
Tags: auto insurance, non owners insurance
October 4th, 2008
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 have seat belts on?
Carl
Naperville, IL
There are many insurance companies in Naperville Illinois that now have a clause in the policy stating if you have no seatbelt on they are not liable. They may not cover your injuries because you didn’t wear seatbelts. It’s disappointing but they have the right to do it so be sure to ask ahead of time to know if your car is covered.
I don’t know of any state that would allow insurance companies to deny coverage for this reason and it’s against public policy in the first place. Look at it this way, coverage is not denied if a person is speeding, coverage is not denied if you run a red light, etc.
It is not illegal as long as they had a clause in the written contract that additional drivers would only be covered if they followed all applicable law, but it’s very unlikely that would be in your contract.
Tags: auto insurance
October 3rd, 2008
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 wondering if her car insurance in Decatur Illinois would pay out to her passenger or would she have to pay out herself if claim goes through?
Robert
Decatur, IL
The passenger of your friend would be considered the third party and can sue your friend, the driver of the vehicle in which she was traveling if there’s negligence on the part of the driver resulting to damages, then there could be a valid claim.
An insurance policy is proof of a contract between two parties; the first party is the insurance company and the second party is the driver. Anyone else not involved in the agreement between the driver and the insurer is “third party”. The insurance policy agrees that the insurer will cover (i.e. pay the losses incurred by) the driver against all losses the driver may incur due to a claim by a third party.
The passenger cannot sue the insurance company as there is no contract between her and the insurer. What she can do only is to sue the driver. The driver will then ask the insurer to indemnify them against the claim. At this point, the insurer takes over the negotiations to come to an agreement with the passenger.
It will be best if the driver will answer any question by saying “I have advised my insurance company and they will deal with it”. In this way, he does not admit liability (which would be in breach of policy conditions and could result in the insurance company refusing to deal with the claim). I assume that your driver has already advised her car insurance company. If she receives any further communication from the passenger, she should forward it (unanswered) to her insurance company in Decatur Illinois.
Tags: auto insurance claims, car insurance
October 3rd, 2008
Reader’s Question:
Who pays for my stolen vehicle in Schaumburg? 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 driving your car.
If you do not have comprehensive coverage on the car that was stolen then you will have to pay for the damages yourself unfortunately, if the vehicle is able to be fixed, or be out a vehicle since there would not be any other way in which to make a car insurance claim.
Insurance and state law vary however if you do not have comprehensive coverage then generally unless the at-fault driver is found, the one who stole the car, there is really no one to go after for the damages to your car. The law enforcement would not be liable for the actions of the person that stole your car.
Tags: auto insurance, comprehensive insurance coverage
October 3rd, 2008
Reader’s Question:
Someone took my vehicle without permission in Wheaton, 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 vehicle if you have given permission to the driver to drive the car. Usually the permission from the owner to drive the car is one of the requirement for an insurance carrier to pay an insurance claim.
If this individual was on your car insurance policy in Wheaton, Illinois and had access to drive the vehicle then the insurance carrier in that case your insurance company would usually cover any car insurance claims from an accident the person was in.
To know exactly if your collision coverage would cover the damages to your car caused by the individual that used your car without permission read over the terms of your vehicle insurance policy and talk with your car insurance agent. Your car insurance agent will know your auto insurance policy and state laws to know if auto insurance claims for this person’s accident will be denied or accepted, If your insurance carrier will not cover the accident then you may need to take the person to court and seek a judgment for the injuries or damages caused by the driver.
Tags: auto insurance claims, car insurance, collision insurance coverage
October 2nd, 2008
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
October 2nd, 2008
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