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Coverage & Claims

Do I still need to pay my monthly premium if my car was totaled?

Sorry to hear about the accident. You should have no need to insure the vehicle further.

Coverage & Claims

How can I find out what information a previous car insurance company has on me?

Sorry to hear about your situation. One suggestion would be to call the old insurer and have them release all claims info to you.

Coverage & Claims

What are the coverage limits on comprehensive and collision?

Thanks for the question! This is because the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually pay is the actual cash value of the vehicle unless stated otherwise. 

Coverage & Claims
Eligibility

Do you have to have full coverage to drive for Uber in Illinois?

While passengers are in the vehicle, most rideshare insurance is handled by Uber or Lyft. Passengers are covered for any injuries sustained during such a ride.

Coverage & Claims

Is the lienholder in any way responsible in a car accident?

A lienholder would not be responsible for your accident. The lienholder would receive the claims payout for the vehicle if insurance got involved.

Coverage & Claims

Do I need a police report to file an uninsured motorist claim?

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know would be if it would be possible to still get a police report and redo the claim.

Coverage & Claims

If I ask my insurance agent about making a claim, can they raise my rates?

While your agent could certainly help advise you about whether or not to make a claim, it's possible that they could report the potential claim to their underwriters who may follow up on it. At-fault accidents can add a considerable amount to your insurance premiums, so you definitely want to be careful about filing.

Coverage & Claims
Homeowners Insurance

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim.

Coverage & Claims

Is my insurance still responsible for my vehicle theft after I canceled my policy?

As long as the claim happened during the duration of your policy, it is covered. You have no obligation to keep insurance until the payout occurs, so even if you've canceled it, your insurance is still responsible for processing the claim.

Coverage & Claims

I own my car but it's still insured under my dad. Will his insurance cover my accident?

I would reach out to your dad's insurance provider to see if you can be covered. They may be willing to cover the accident since the policy is still active.
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