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.
Jun 2, 2020 Chicago, IL

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General Insurance

Am I obligated to continue insurance payment even the car is totaled?

No — you do not need to keep paying for insurance on a car that is totaled. As long as you were insured at the time of the accident, you should be fine.
Jan 24, 2019 Chicago, IL

Coverage & Claims

Do I pay a deductible for a liability claim?

You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
Dec 17, 2018 Chicago, IL

Coverage & Claims

Need to pick up a damaged vehicle from impound that's not in my name

I'm sorry to hear that happened to the car you drive. Unfortunately, since the car is owned by your mom, she will have to be the one to get it out of impound and file the police report.
Jul 25, 2018 Chicago, IL

Coverage & Claims

Got into an accident and didn't get their insurance info

I recommend your father contacting his insurance company and informing them of the situation. Providing them with all available information including the other driver's state registration information.
Jan 4, 2018 Chicago, Illinois

Homeowners Insurance

Who insures the engagement ring?

You can purchase additional insurance for your engagement ring through your renters or home insurance. It would be through a rider or additional endorsement if the value of your ring is greater than your property limits (which it very well could be).
Jan 1, 2018 Chicago, Illinois

Coverage & Claims General Insurance

If my fuel pumped was damaged by sitting at the auto body shop for too long, can I file a claim against their insurance?

Your best bet in this situation would be to contact your insurance provider and/or an attorney. Your insurance company is unlikely to cover the damage, but they may have suggestions on how to proceed forward with filing a claim through the owner's insurance policy.
Apr 16, 2017 Chicago, IL

Eligibility General Insurance

When quoting online for new insurance, how do I list an accident where I was not at fault but also uninsured?

Even if you were without insurance at the time of the accident, if the other driver was found to be at fault then your insurance status should have no bearing on that (with the exception of Louisiana). I would recommend selecting a "not at fault" accident and proceed forward.
Apr 4, 2017 Chicago, IL

General Insurance

How do I find a policy if I was dropped by my carrier because of too many claims?

Really, the only solution is to shop with as many companies as possible. If you are having an issue finding coverage because of recent claims, you may have to go with a non standard carrier until those incidents pass 3 years.
Dec 10, 2016 Chicago, IL

General Insurance

Can car insurance discounts be retroactive?

While there is no guarantee that your insurance company will backdate that discount if you are able to submit the police report, it is most definitely worth making an attempt. At the very least, this will allow you to start seeing lower rates on your next bill.
Jul 13, 2016 Chicago, IL
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