Auto Insurance Claims Des Plaines Illinois IL
Reader’s Question:
I own 2 cars in Des Plaines. One car had full coverage, the other car had comprehensive. I was planning on giving the car with comprehensive to my daughter. She was planning on taking her drivers license exam with that vehicle. One night she got drove that vehicle and got into an accident and was charged for driving without a drivers license and for not reporting the incident immediately after. What will happen now? Will my insurance company in Des Plaines, IL cover the damage to that car?
Hill
Des Plaines, IL
Most insurance carriers in Des Plaines, IL require that you disclose all household members on your car insurance policy. You may also have the option to exclude them. So, choosing to sign a waiver stating that they will not operate your covered car(s) in exchange for not having to pay a higher auto insurance rate. Some insurance providers do not automatically cover young motorists who get a learning permit. It is possible that your insurance carrier was unaware of your daughter’s driving status or you may have signed an exclusion for her. Additionally, damages to your car would not be covered unless you also have collision coverage. This accident would not be considered a comprehensive insurance claim. You always have the option of getting legal advise if you are not satisfied with their decision to not pay your car insurance claim.
Tags: auto insurance claims, car insurance
Auto Insurance Palatine, Illinois IL
Reader’s Question:
Is there an auto insurance that covers more than seven vehicles, or do I have to have an auto insurance for each vehicle?
Cris
Palatine, IL
Insurance provider’s guidelines very but many do have a limit on the number of cars allowed on a personal insurance policy. Most insurance companies limit the amount of cars on an insurance policy to four, but you can add more by endorsement after the insurance policy is bought.
You can insure as many vehicles as you own as long as the insurance carrier you are working with in in Palatine, IL can handle it and they do not have restrictions to not permit it. Most insurance companies will setup a second insurance policy if they cannot handle the number of vehicles that you own on just the one insurance policy.
If you are using your seven vehicles for business purposes it would likely be best to obtain commercial , business use, or fleet insurance using your corporation.
Tags: auto insurance
Instant Auto Insurance Chicago Illinois IL
Reader’s Question:
Will I receive a car insurance card to carry in my vehicle or wallet through the mail along with a copy of my car insurance policy in Chicago IL?
Oliver
Chicago, IL
After you purchase your car insurance policy, you should get proof of auto insurance.
Right after your car insurance payment you will be able to obtain instant proof of insurance. With most insurers in Chicago IL this will be your temporary proof of auto insurance cards. Some insurance companies provide just a simple proof of auto insurance coverage and your payment and then when you log in and confirm your policy is created, while other insurance companies mail your documents.
With some car insurance companies, your car insurance policy and insurance documents can be mailed to you, but proof of coverage is available online.
Tags: instant car insurance
Commercial Car Insurance Mount Prospect Illinois IL
Reader’s Question:
When should I consider putting my vehicle in Mount Prospect Illinois for commercial auto insurance instead of personal car insurance?
When you drive your car for business purposes you need to inform the insurance carrier. There are a few different types of policies to consider and here are some general guidelines to help you decide if you are going to place your car insurance under commercial or personal in Mount Prospect Illinois. You should buy a Business Auto Policy instead of a Personal Auto Policy when the following applies:
- Need to be covered when you pick up or deliver goods and/or people
- Need higher coverage limits than what is offered through a personal auto policy
- Need protection for any employees when they drive the vehicle or have employee-owned vehicles
- Coverage for any type of business ownership (Sole Proprietorship, Corporations, Partnerships, LLC, etc.)
- Multiple vehicles used for artisan use
- Equipment is permanently attached to the vehicle
Tags: business car insurance, Commercial car insurance
Non Owners Auto Insurance Evanston, Illinois IL
Reader’s Question:
I do not own a car but I do have a drivers license in Evanston, Illinois. I am wondering if I need a car insurance to drive some one else’s vehicle on an occasional basis?
Greene
Evanston, IL
Generally the owner’s policy on a car that you may borrow on an occasion basis should cover you as a driver. According to the Illinois DOI the typical bodily injury liability insurance covers for bodily injury to another person or property damage liability you cause due to the negligent operation of a car. It may also cover if the accident was caused by a member of your family living with you or the individual driving your car with your permission.
The car owner that you drive on occasion, and thus has the car insurance policy on it, should read over their policy as well as talk to their car insurance agent to be sure you are properly covered to drive their car from time to time.
Since you do not own a vehicle then you can get a non-owners policy in Evanston, Illinois. Non-owners insurance policy is typically additional coverage to provide you liability protection for when you are at fault and do not own a car.
Tags: auto insurance, non owners insurance
Young Driver Insurance Cicero Illinois IL
Reader’s Question:
How old do I have to be in Cicero Illinois before I can drive a vehicle? I have heard that it was 16, but some say it was 18.
Karen
Cicero, IL
According to the Illinois Secretary of State (SOS) Driver Services Department the widespread rumor about a change in the minimum driving age from sixteen to eighteen is not true.
Age sixteen stays the age at which an individual who has successfully completed a driver education program may apply for a driver’s license in Cicero, Illinois. The graduated system establishes other requirements during the instruction permit stage, with the purpose of producing better-skilled 16-year-old motorists.
Again, even with new provisions put in place in 2008 to the graduated system in Illinois you can still get a drivers license at age 16, you do not have to wait till age eighteen as is rumored.
Tags: auto insurance, Beginner car insurance, Young driver car insurance
