Cheap Illinois SR22 Auto Insurance

Non Owners Auto Insurance Springfield, Illinois IL

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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

Auto insurance Claim Naperville Illinois IL

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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

Vehicle Insurance Claim Decatur Illinois IL

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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

Comprehensive Auto Insurance Schaumburg Illinois IL

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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

Automobile Insurance Claim Wheaton, Illinois IL

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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

Collision Coverage Insurance Palatine, Illinois IL

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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

Comprehensive Auto Insurance Des Plaines Illinois IL

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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

October 2nd, 2008

Drunk Driving Insurance Chicago Illinois IL

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Reader’s Question:

I live in Chicago, Illinois and I am curious if a car is in forfeiture with a state due to a DUI conviction will GAP insurance cover the loan amount?

Alexia

Chicago, IL

No, a forfeiture of your car to the state due to a DUI conviction will not normally be covered by your GAP insurance. GAP insurance pays the balance left on a loan after a car’s actual cash value (ACV) has been paid out by a primary insurance company after a covered loss; such as the car being totaled out in a car accident or being stolen and declared a total loss.

A forfeiture or seizure by your state’s law enforcement of your car would not count as a covered loss by either your primary insurance provider or your GAP insurance carrier. If your state’s laws allow your car to be seized by the state after a DUI conviction then this would not be a covered loss in which a car insurance provider in Chicago, IL would pay out actual cash value to your (or your lien holder) for the car and thus the difference (or gap) between ACV and your loan balance would not be there for GAP insurance to pay. But instead your whole loan balance would be due. Many states auction or sell off cars they obtained from seizures or forfeitures in which case your lien holder may get some money for your vehicle from the state. Likely this will not be enough to pay off what you owe and leaving you to pay off the remaining loan balance. If your car was forfeited to the state due to a DUI conviction, then you should contact the courts involved in your case to find out what they do with seized vehicles and if there will be money going to your lien holder from a sale. You then should also speak with your lien holder regarding this situation to see what balance you will have left and how to go about paying it off.

Tags: auto insurance, DUI insurance

September 19th, 2008

Auto Bail Bond Insurance Illinois IL

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Reader’s Question:

What does auto bail bond card mean in Illinois?

Sanders

Chicago, IL

In Illinois, this bond card will keep a driver’s license from being confiscated by police officer. In the state of Illinois, if you are ticketed for a minor moving violation, the the law enforcement officer will take your driver’s license as bond to guarantee your payment of your fine or appearance in court. The Traffic Bail Bond Card may be accepted in place of your driver’s license, permitting you to retain possession of your drivers license.

An Illinois county court provides information on how having a bail card can assist you. Here it states if no court appearance is required a judgment may be entered against you for the fine, costs and penalties as provided in the “Notice of Consent for Entry of Judgment. Your issuing bond card company will be billed for the full amount of the judgment and your bail card will be forwarded to them upon payment.

Tags: auto insurance

September 10th, 2008

Beginners Car Insurance Wheaton Illinois IL

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Reader’s Question:

Can a 17 year old boy have a vehicle titled to his name and get auto insurance in his name only in Wheaton, Illinois?

Daniel

Wheaton, IL

In the state of Illinois there is no law prohibiting a teen from holding the title to a car. But, the Illinois Secretary of State (SOS) advises caution to those that may sell a car to someone younger than eighteen, because only a buyer eighteen years old and older can be legally bound to a sales contract.

So as a teenager it is likely that when purchasing a vehicle you will be required to have a parent or guardian sign on any legal document with you, such as the insurance policy and the sales contract that you will need to put on the car you title under your name at age of seventeen in Wheaton, Illinois.

So while the state of Illinois may not have a minimum age for titling a vehicle under their name, an insurance provider will normally require an parent or guardian or adult, sign on your insurance policy with you since you are a minor and your car insurance policy is a legal document.

Tags: auto insurance, Beginner car insurance, teen insurance, Young driver car insurance

September 9th, 2008