Auto
Illinois Auto Insurance
Get An Illinois Car Insurance Quote. Then Get More
Options, options, options. Sometimes it’s just too much, isn’t it? Well, if you ask us, we feel that what really makes us stand out from the crowd is our customer service. Granted, we certainly have competitive prices and such, but like they say: “A company is only as good as its worst employee.” We believe that, and we’re confident in the job that all of us do.
We’ve been in the business since 1978, and have been serving generations of families during our lifetime. We focus on the person, and believe that a client is so much more than just a piece of paper. That’s not how things work, and people matter.
Finding the right insurance company can be a difficult task with so many to choose from. So stop looking around and see if you can find a home right here with us! We’ll be glad to have you aboard.
Liability
Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maxi-mum that would be paid out for bodily injury per claim and the third number represents the maxi-mum amount your insurance company is obligated to pay for property damage you cause.
Collision
When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.
Comprehensive
Comprehensive covers damage caused by events other than a car collision – such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen it could even cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.
Medical Coverage
Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.
An independent insurance agent can help you determine the price, coverage and service that best meets your needs.
Did you Know?
Liability insurance is for bodily injury and property damage. This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.
