General Insurance

What is the reason that another driver would refuse to give their car insurance after an accident?

They might not have insurance or don't want you to file a claim on their insurance. Any claim you make would impact their premium.

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General Insurance

How do I choose a car insurance deductible?

When it comes to selecting your deductible you have to know what you can afford, and if you could cover the claim or damages with a high deductible. If so, high deductible + good driving = a lot of savings but a lot of people can't fork over 1k-2k in the event of an accident.

General Insurance

How long do I have in Illinois to add a new vehicle to my current insurance policy?

Typically, you have up to 14 days to add a new vehicle to your policy. Every company is different so always check with your specific insurance company for their guidelines.

General Insurance

How long do I have in Illinois to add a new vehicle to my current plan?

Typically, you have up to 14 days to add the vehicle to your new policy. Every company is different so always check with your specific company for their guidelines.

Eligibility

Can I purchase additional coverage for the same car through a different insurance company?

No, you would need to get a new policy since every policy needs to have the state minimum liability for Illinois and then you would be able to add comprehensive and collision coverage. Keep in mind, because of the age of the vehicle, there are some companies that will not add comprehensive and collision coverage.

Coverage & Claims
General Insurance

Criminal charges for filing a false claim with my new insurance company?

This is considered insurance fraud. You do not want to file the claim.

Coverage & Claims

Will my son's accident on my policy affect my rates?

It will impact both of your rates. He will show an accident on his driving record.

General Insurance

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

No, you do not have to keep paying for the insurance on a car that is totaled. As long as you were insured at the time of the accident, you should be fine.

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.

Coverage & Claims

The driver of the at-fault vehicle claims the car was stolen

If she is claiming the car was stolen, a police report needs to be filed. Technically, the insurance company of the owner isn't responsible for the damages if the car was stolen.

Eligibility

How do i get a car if I am living in a camper?

This one is tricky. You need to get insurance in the state that you have the car registered in.
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