What Is Insurance Plus?
When it comes to auto insurance, there are many types of coverage available. How do you know which one is right for you? If you're in Illinois, American Auto Insurance (AAI) can assist you. We offer a range of auto insurance products, including Insurance Plus. Below, we'll explain what Insurance Plus is, what it includes, and why you might choose it.
Insurance Plus is additional insurance coverage and a type of umbrella insurance. A personal liability umbrella policy is an additional layer of insurance protection that goes beyond the limits of your standard home, auto, or other liability policies. It provides extra coverage in the event you are held responsible for causing significant injury to others or damage to their property. This policy helps cover legal fees, medical bills, and other costs associated with a major lawsuit or claim.
Benefits of Using Insurance Plus
By opting to get Insurance Plus, you get a few benefits, including:
- Comprehensive coverage: With Insurance Plus, you have more protection in the event of an auto accident. Protect yourself financially with the additional coverage that comes from Insurance Plus.
- Affordability: Insurance Plus coverage from AAI is some of the most affordable coverage around. Save money on your monthly insurance expenses and potential liability costs with comprehensive coverage from AAI.
- Personalized service: With Insurance Plus, you'll receive personalized service from AAI. We'll work with you to find a policy that's right for your situation and be by your side in the event of an accident.
- Roadside assistance: Insurance Plus plans come with 24/7 roadside assistance, making them even more valuable. Give yourself peace of mind by having roadside assistance with your insurance coverage.
What Is SR-22 Insurance?
In Illinois, SR-22 insurance, sometimes referred to as financial responsibility insurance, is mandatory for drivers with a problematic driving history. This includes suspensions due to safety violations, license revocations, unresolved judgment suspensions, and mandatory insurance supervision. Additionally, drivers with three or more convictions for insurance violations must obtain SR-22 insurance.
Processing an SR-22 insurance policy can take up to 30 days. At AAI, we expedite this process by submitting your SR-22 certificate request to the Secretary of State's office upon receiving your payment. You'll then receive confirmation from both us and the Secretary of State. It's crucial to maintain SR-22 coverage for three years to avoid further penalties.
Choosing AAI for Your Coverage
When you're in need of auto insurance in Illinois, AAI is here to help. Here are just a few reasons to choose us for all your coverage needs:
Customer Service
At AAI, exceptional customer service is a cornerstone of our business. Our dedicated team can assist you with all your insurance needs, from selecting the right policy to managing claims efficiently. We prioritize clear communication, ensuring you understand your coverage and options fully. With a focus on responsiveness and personalized support, we strive to make your experience smooth and hassle-free. Our commitment to customer satisfaction means you can rely on us to address your concerns promptly and professionally, providing peace of mind and reliable service throughout your insurance journey.
Coverage Options
AAI offers a diverse range of coverage options tailored to meet your unique requirements. Whether you need basic liability coverage, comprehensive plans, or specialized policies such as SR-22 insurance, we have you covered. Our customizable options allow you to select the level of protection that suits your lifestyle and budget. From collision and uninsured motorist coverage to roadside assistance and rental reimbursement, our policies provide comprehensive protection. With AAI, you can confidently choose the coverage that best safeguards your vehicle, assets, and peace of mind.
Affordability
Affordability is a key priority at AAI. We understand the importance of finding cost-effective insurance solutions without compromising on quality. Our competitive rates and flexible payment plans make it easier for you to manage your budget while ensuring you have the necessary coverage. We offer various discounts and incentives to help you save even more on your premiums. By providing affordable options and transparent pricing, we aim to make high-quality auto insurance accessible to everyone, giving you the financial protection you need at a price you can afford.
Collision Coverage
Failure to keep up with payments or allowing the SR-22 to lapse will result in the suspension of your driving record and license until you renew the policy. To prevent additional suspensions, renew your SR-22 at least 45 days before it expires.
There are three types of SR-22 certificates we issue in accordance with Illinois law:
- SR-22 operator's certificate: This certificate covers drivers who operate vehicles they don't own. It's suitable for those who drive a family member's, friend's, or employer's vehicle.
- SR-22 owner's certificate: An SR-22 owner's certificate covers vehicles the driver owns. If you have multiple cars, you must list all vehicles on the certificate.
- SR-22 operator-owner's certificate: This comprehensive certificate covers any vehicle you drive, whether you own it or not. It's ideal for those who own a car but also drive their employer's vehicles or frequently borrow others' cars.
An alternative to SR-22 insurance involves depositing $70,000 in cash or securities with the Illinois State Treasurer or filing a surety or real estate bond. For more information on SR-22 insurance and the type of certificate you need for your situation, contact AAI today.
Explore Insurance Plus in Illinois Today
No matter what type of coverage you need for your vehicle, AAI of Illinois is here to help. We'll review your situation with you and recommend the most affordable coverage options. You can rest easy knowing you're in good hands if you need insurance coverage after an accident. Call us today at 773-286-3500 or get a free auto insurance quote online. Whether you need Insurance Plus, an SR-22 certificate, or some other type of auto insurance, AAI will help you get the right coverage at an affordable price.
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testimonials
Learn more about American Auto Insurance from our satisfied customers!
Selena Martinez /
cHICAGO
Your agents are the best! They are very professional, nice, polite and they listen to you whenever you call. Thank you!
kYLE b. /
cHICAGO
I just purchased my SR-22 Insurance policy with American Auto and it was a wonderful experience. They were able to save me over $150 a month after I made the switch. It was fast and easy. AMERICAN AUTO IS THE WAY TO GO!
cHAD s. /
Waukegan
American Auto Insurance is the best choice in the Chicagoland area.
