Auto Insurance

As a driver in the state of Illinois, your vehicle is required to at least possess minimum amounts of coverage before hitting the road. If you drive your vehicle devoid of auto insurance, you may suffer dire penalties such as a fine, and your driver's license and registration could be suspended for months. Auto insurance is a contractual agreement between you and your Insurance company to cover you against financial loss if you are involved in an accident.

It is crucial to scout and obtain additional coverages to salvage your thousands of dollars if you are involved in an accident. Auto insurance offers coverage for property, liability, and medical bill payments. Sometimes getting a proper auto insurance policy is a daunting task because of the wider variety of coverage options, thus confusing the residents. It is vital to understand the common types of coverage available on a car insurance policy before making a purchase decision.

Types of auto insurance coverage offered in Illinois

• Property damage liability: This policy caters to damages you cause to other people's property while driving.
• Under-insured and Un-insured motorist cover: This form of policy caters to costs related to injuries or damages to you or your car in an accident if the other party is uninsured or underinsured.
• Comprehensive cover: This policy protects one against damages and losses in an accident apart from collisions. These risks include theft, fire, hailstorms, and damage by falling objects.
• Medical payment cover (MPC): This policy covers medical bills for you and your passengers in your vehicle at the time of the accident.
• Gap insurance cover: This optional policy is applicable when your vehicle is badly damaged or pilfered. It caters to the difference between your current car's worth and the outstanding loan or lease amount.
• Collision cover: This is a voluntary coverage that caters for damages and losses resulting from collisions with another vehicle, tree, rock outcrops, or any other object.

Are you a driver or a car owner in Illinois? Call us or visit us at Hall insurance services agency offices to get detailed information about an auto insurance policy.