First of all, Illinois requires that all drivers carry minimum liability and uninsured motorist coverage. Liability covers the damages and bodily injury that you may be responsible for while uninsured motorist covers injuries, lost wages, and permanent and lasting disablement or disfigurement. The coverage that Illinois requires is $25,000 person bodily injury, $50,000 per occurance or is muliple individuals are injured and $20,000 of property damage coverage.
What are the chances that if you cause a serious accident that your claim my exceed $20,000 for the other persons injuries? Almost certain!!
Do you have the assets to pay the difference plus the additional legal fees to settle the claim? Do you want to pay the balance over 5-10 years.
I want to help you determine the amount of liability that you should carry. How much do you have to lose? All of your assets and part of your paycheck till age 65. Yes, age 65. I help settle a payback for an accident that required that the person pay about $100/mo until age 65. At that he would not even pay the interest that would be due on the settlement.
Now the purpose of your auto insurance policy is to pay personal injuries and property damages that you are responsible for causing plus defense costs. The bottom line is for you to carry as much as or more coverge than you could ever lose in a major accident. Whether that is $50,000, $100,000 or even $1,000,000. It is your legal and moral responsibility to live up to your abligations. When you call our office please ask us to give you a quote on the coverage that you need. We do not know how much is suitable for you.
Our office at 208 East Third St. You are welcome to come visit us to discuss your home and auto insurance or give us a call at 815-626-5751. Unlike a lot of insurance offices, we welcome phone payments, walking in with cash or check. We do not charge you a fee for paying in person. We are here to serve you and to make you life easier. If you need an updated insurance card we will print it or produce it for you. Keeping your insurance documents is very important to you because you are a very important client of ours.
When you ask us for an insurance quote we will consider IMT, a regional preferred company, Progressive, a great nationwide company with a lot of options. Lastly we will consider Viking/Dairyland. If you have tickets, accidents, are driving without insurance, are young, or just have not had insurance before we can help.
The bottom line is that if you have a license or can get one even if you need an SR-22 filing we can send you out the door with a valid insurance card.
If you do not have a car and need an SR-22 filing we will gladly write you an non-owner insurance policy and electronically send the Secretary of State a certificate over night. We get things done, now.