Reader’s Question:

My tire blew out while driving and I totaled my vehicle. I only have liability car insurance on my policy in 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.