Car Insurance representative assigned to evaluate loss and determine damages.
Method of resolving a value dispute in a first-party claim.
Alternative to court-based litigation; an impartial third party determines damages.
Agreement putting auto insurance in force before the actual auto insurance contract is prepared.
Bodily injury coverage
Pays when you’re legally responsible for another person’s crash-related injuries.
Citations for driving while uninsured
It is against the law to drive without car insurance in Illinois. If you are stopped for another reason, and you don’t have a valid insurance I.D. card to show the police officer, you may receive a citation.
If you are insured and can later provide a copy of your card to the court, that is usually the end of it. But if you were not insured at the time you were stopped, you can be convicted of driving uninsured.
This carries a minimum fine of $500 and also requires a mandatory $100 fee to reinstate your registration.
Pays for damage to your vehicle caused by an accident with another car or fixed object (tree).
Pays for damage to your vehicle caused by events such as theft, vandalism, hail, fire, or falling objects.
Vehicle Insurance protection.
Maximum amount the insurer will pay for any one claim.
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The “dec” page personalizes the policy. It’s where you’ll find your name, address, driver identification information, vehicle description, serial number, lien holder (if applicable), dollar limits and deductibles on selected coverage, beginning and ending dates when insurance is in force, policy identification number, and a list of endorsements amending the policy form.
Amount you agree to pay out of pocket before the auto insurance company begins paying.
Optional coverage that alters the auto insurance contract, customizing it to the policyholder’s needs.
Provision in the policy that eliminates car insurance coverage for certain risks.
Policyholder seeks damages through his/her auto insurance policy.
Full coverage auto insurance
Car Insurance policy that includes bodily injury, property damage, uninsured/underinsured motorist, comprehensive and collision coverage.
Car Insurance companies may view any driver with tickets, convictions or accidents for driving under the influence (DUI) as a high-risk driver.
Contrary to the popular myth, men are not higher risk drivers than women. Young and inexperienced drivers may also be classified as high-risk.
Auto insurance card
A card from your auto insurance company showing that you have car insurance.
This card must be shown on request to any law enforcement officer, so keep it in your car.
Pays medical expenses when you, resident family members, or your passengers are injured and/or die in an auto accident.
Lowest amount of liability auto insurance required by the state.
Motor vehicle record (MVR)
Document confirming an individual’s license status, convictions, and accidents.
Physical damage coverage
Comprehensive and collision coverage on your vehicle.
The person who owns the auto insurance policy.
Price of car insurance for specific coverage during a specific period of time.
Proof of loss
Policyholder’s written statement describing the loss and amount of damage.
Property damage coverage
Pays when you’re legally responsible for damages to another person’s vehicle or property.
Clause giving the auto insurance company the right to seek damages from a third party who is responsible for the loss the insurer paid the policyholder.
Location where vehicle is garaged.
The cost to fix a vehicle would be more than it’s worth.
Underinsured motorist coverage (UIM)
Pays your injury-related damages when the at-fault driver has lower liability limits than your UIM limits.
Uninsured motorist coverage (UM)
Pays your injury-related damages when the crash is caused by an uninsured or hit-and-run driver.
Uninsured motorist property damage coverage (UMPD)
Pays when an uninsured driver damages your vehicle.
The process of evaluating, selecting, and pricing car insurance for new applicants and existing policyholders.
Auto insurance coverage is cancelled back to the policy inception date because the insured committed a specific act that violated the terms of the policy (misrepresentation, etc.).
Anyone listed on the title or loan of the vehicle(s) and all household member 15 and older.
The owner or co-signor is financially responsible for any accident or damage to persons or property caused by the vehicle.
An exclusion form says that one or more people in your household or the owner/co-signer of the car will not be driving your vehicle.
A non-business form simply states that you do not use your vehicle for any type of delivery, business, commercial, or artisan-type occupations; That is is not titled or leased to a business, corporation, or partnership; Nor is it used to pick up or deliver goods. If you’re a business owner, self-employed, or a tradesperson you’ll be required to sign this form if you’re applying for a personal auto policy.
Lien holder information is on your previous insurance documents.
It takes about 2 minutes to complete the application.
Yes. Your e-mail address doubles as your username so you can get back securely to your quote later. If you do not have an e-mail address, you can get one free through sites such as Google, MSN, or Yahoo. Your information is kept confidential and will never be sold or distributed.
We have Good Driver Discounts and Prior Proof of Insurance Discounts.
We accept all payment types including Visa, Mastercard, Discover, American Express, Western Union, Check and Cash.
You can find your VIN# on Insurance Documents, like your Vehicle Registration, on the dashboard of your vehicle just below the windshield, or on the driver’s side doorpost.
- Marital Status
- Type of Vehicle
- Driving Record
Driver’s License and Vehicle Identification Numbers (VINs) for each vehicle.
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