Flossmoor, Illinois, is a popular area for families who want access to outstanding schools, many parks, and a safe, small community while remaining within reach of Chicago. Commuters can easily make it in and out of the city for work while enjoying a home life that feels a world away from the downtown bustle. A properly insured vehicle is essential to enjoy Flossmoor to the fullest. American Auto Insurance offers coverage options to suit every resident, including SR22 insurance certificates. You can rely on American Auto Insurance for the cheapest and most reliable insurance in the area.
Flossmoor, Illinois, is a charming village in the Chicago suburbs. Residents here enjoy a friendly community and small-town comforts conveniently located within easy reach of Chicago’s metropolitan area and all the associated conveniences. Though Flossmoor has a small population of less than 10,000 residents, it has a wealth of amenities to enjoy.
With access to reliable transportation, you can get out and about to enjoy the extensive park district that includes nine parks in Flossmoor alone. Flossmoor also features two country clubs, the public Coyote Run Golf Course, and a 40-acre Irons Oaks nature preserve. From the Homewood-Flossmoor Ice Arena to the Flossmoor Station Restaurant & Brewery, there’s no shortage of local destinations to enjoy.
Essential Auto Insurance in Flossmoor
The state of Illinois mandates that all drivers carry liability insurance in the amount of $20,000 for damage to another person’s property, $25,000 for the injury or death of one person, and $50,000 for the injury or death of more than one person in an automobile accident. Flossmoor drivers must carry this liability insurance at a minimum to drive legally.
If your vehicle is found to be uninsured, the registration will be suspended until you pay a $100 fine and provide proof of insurance. For repeat offenders, the registration is suspended for four months. Any individual served with a court suspension or found guilty of three or more instances of driving without liability insurance must file an SR22 certificate with the state as proof of insurance. Failure to acquire the necessary SR22 insurance will result in the suspension of the individual’s driver’s license.
American Auto Insurance offers plans that will keep you in compliance with the law regardless of your situation. We offer liability insurance to ensure you’re compliant with state regulations and SR22 insurance certificates so you can maintain your driver’s license even if you’re convicted of driving or owning a vehicle without the proper insurance.
Finding the Right Insurance Plan for Flossmoor Residents
Flossmoor is conveniently located about half an hour from Chicago, which means that residents frequently commute in and out of the city. Chicago has the fifth-longest travel time in the country of the 80 cities analyzed by TomTom. On average, it takes 17 minutes and 40 seconds to cover just six miles in Chicago, meaning there’s plenty of congestion to deal with on the streets. For this and other reasons, it’s wise to consider all your car insurance options in Flossmoor and the surrounding areas to ensure you have the coverage you need.
Collision Coverage
Collision coverage helps pay for damages to your vehicle if you collide with a stationary object, such as a tree, mailbox, or guardrail. Collision coverage may also cover damages associated with single-vehicle accidents or potholes. Though Flossmoor is a small town, even this quaint area isn’t immune to road hazards and motor vehicle accidents. In 2022 alone, there were 29 crashes associated with a fixed object and 11 crashes associated with a parked motor vehicle. Collision coverage may help you cover costs related to these types of occurrences.
If you’re driving a leased or financed vehicle, you’re probably required to carry collision coverage. This provides added protection and peace of mind for your lender, as it helps protect their investment.
Uninsured/Underinsured Motorist Coverage
Though all drivers are legally required to carry liability insurance in Illinois, this doesn’t mean that everyone stays in compliance. Uninsured/underinsured motorist coverage protects you from drivers who do not carry the mandated insurance.
If an uninsured driver is at fault in an accident, you won’t have any insurance coverage from them to pay for the damages and injuries that you, your passengers, and your vehicle suffer. Adding uninsured/underinsured coverage to your plan can help ensure you always have access to financial assistance to pay for your expenses in this situation.
Medical Payment Coverage
Medical payment coverage is an optional form of insurance covering expenses such as your medical insurance deductible, copays, hospital expenses, and ambulance fees for those injured in a motor vehicle accident. This is significant because injuries and hospitalization associated with a car crash can easily cost tens of thousands of dollars. Also known as personal injury protection, this type of insurance coverage can save you from the massive expenses often associated with emergency medical care.
Comprehensive Physical Damage Coverage
Comprehensive physical damage coverage isn’t required by law, but most lenders require it if you’re financing your vehicle. This type of car insurance helps to compensate you for the expenses associated with weather, theft, or vandalism.
Inclement weather can present a severe hazard in the Flossmoor area. Flossmoor has a tornado index of 261.05 compared to the state index of 220.15 and the national index of 136.45. Between 1950 and 2010, the Flossmoor area suffered from 1,760 thunderstorm winds, 374 floods, 12 ice storms, 1,002 cases of hail, and 77 winter storms. These types of conditions could result in falling tree branches, fallen trees, ice damage, and more.
Contact American Auto Insurance for Affordable Insurance in Flossmoor
American Auto Insurance can help you get the car insurance you need to navigate the Flossmoor area with the full confidence of knowing you’re well covered. We’ll walk you through every step of the process to ensure you have the right insurance coverage. Contact us today for a free quote, or give us a call at 708-771-5100.
