Auto Insurance

Would it concern you if you slid in front of a vehicle causing an accident injuring the passengers of the other vehicle? Their medical bills are your responsibility and unless you have proper insurance it will be your belongings and future earnings that will pay them.

No one ever plans on having an auto accident but it is a fact that they do happen. When these occur it is the responsibility of the party at fault to pay for the bills of the injured. This often results in hundreds of thousands of dollars in hospital bills and other expenses. To protect your personal assets and future earnings it is vital to review your auto insurance limits. Before agreeing to the cheapest policy you must remember there could be a day that this policy will be used.

Factors for calculating the premium:

• Driving records
• Years of driving experience
• Regular use of the vehicle
• Location
• Type of automobile

General Coverages

Bodily Injury: This coverage is for your liability to others and is usually expressed in two numbers. The first is the maximum amount that would be paid for any one person and the second is the maximum that would be paid for the entire accident. This is arguably the most important part of any policy since this is what pays for the hospital bills of others who were injured.

Property Damage: This too is a liability coverage, this portion of the policy pays for any property that was damaged as a result of the accident.

Medical Payments: Protection to pay the cost of medical care to an injured party regardless of whether the policyholder is liable.

Uninsured Motorist: While auto insurance is required by Illinois law not everyone maintains coverage. This portion pays for your medical bills resulting from an accident that was someone else’s fault and they do not have auto insurance.

Underinsured Motorist: Since some drivers carry less coverage than you do this pays for the medical bills they are liable for but their coverage is exhausted. Your policy will pay the sum over their coverage not to exceed the limit outlined on your policy.

Comprehensive Coverage (Other than Collision): This is “all risk” coverage for your vehicle including theft but excluding collision or upset which can also be purchased.

Collision: Also a coverage for your vehicle covering collisions and upset.

Towing/ Road Side Assistance: Covers your disabled vehicle for towing and resulting expenses. Each company is different in the types of events covered.

Rental car reimbursement: Provides you a rental car while your car is disabled due to a covered loss. Usually for a reasonable amount of time not to exceed 30 days.

Because not every ones situation is the same and we represent several companies each competitive in different circumstances we cannot provide an online quote, rather we discuss and review your situation to give you the information for making a good decision.