amgocmsadmin | Amigo Insurance

Prepare Your Vehicle for Winter Driving Now

We are quickly moving towards the close of the year, and towards the official start of winter. Even so, winter raises new safety risks that may impact your ability to drive safely. Therefore, you are likely have to take extra precautions when driving during the winter.

One way to improve your driving risks during the winter is to keep your car in good working order. By having a safe vehicle, you can lower your safety risks when you drive. You might be able to avoid breakdowns, wrecks or the potential that you will harm others. Not only is this good for you as the driver, it is also good for your insurance company and others on the road.

As winter approaches, realize that different forces may impact your car’s reliability. Take the time to make adjustments to your driving habits and your vehicle.

Know How Changing Seasons Affects You

No two locations are alike in how they experience seasonal changes. Some parts of the country may see frequent blizzards. Others have temperatures below zero but little precipitation. Still other areas might see mild temperatures, but frequent precipitation.

You should know how a typical winter impacts your area. This can help you take better precautions to prepare your vehicle for winter driving. Environmental changes during the winter may impact your ability to drive. They may also have different effects on your vehicle and its working systems.

Review Your Auto Insurance

Your auto insurance is an important part of the protection your vehicle needs. Should you experience vehicle damage or personal injuries from various incidents, your coverage can usually help pay to control the problems. It’s imperative for drivers to periodically review their coverage.

Most people review their policies as they come up for renewal. However, there is no wrong time to check your existing coverage. As winter approaches, make sure your policy is adequate for the seasonal risks you may face.

Ensure your collision and liability coverage are high enough. During winter, a potential for increased bad weather might raise your accident risks.
Check your comprehensive coverage. This protection kicks in for risks not associated with wrecks. It may cover damage sustained for instances of fire, theft or weather. See if you have (or can obtain) coverage for winter weather typical of your area.
Your insurance may offer more coverage that could benefit you in case you have car trouble. For example, you may be able to use roadside assistance coverage in case you get stranded in bad weather.

Getting Your Car Ready for Winter

As winter sets in, the changes in weather could have lasting effects on your vehicle. Remember, your car experiences a lot of exposure to the elements. Rain, snow or freezing temperatures may all damage internal and external vehicle systems.

Consider taking your car to your mechanic before the winter arrives in full. They can run maintenance on the vehicle to help prepare it for harsh or changing weather. They may even be able to diagnose small malfunctions that it may be a good idea to repair before the cold sets in.

Have your oil changed every few thousand miles. Your vehicle manufacturer can usually recommend a specific limit on miles. Changing the oil before winter can help ensure that internal systems have appropriate protection.
Have your mechanic run a test to ensure the strength of your engine. If your engine doesn’t function well, it may come under undue stress during times of severe weather.
Your car’s battery may experience sensitivity issues during the winter. For example, during times of cold weather, your battery may use more energy to start your vehicle. This could strain the battery, and hasten its eventual failure. Battery strain can also impact other vehicular system. The typical vehicle needs a battery change every two to five years. If your battery is due for a change, consider getting it fixed before winter sets in.
If you find your tire treads depleted, consider buying new tires. Routinely check your tire pressure throughout the winter. Also have your shock absorbers, brake system and other control mechanisms inspected. Some drivers have snow tires installed on their vehicles during the winter. These practices can help drivers better control their vehicles on roads affected by weather.
Check your vehicle seals and HVAC system. If either malfunction, this could cause undue strain on other internal systems.

As you approach winter, do what you can to keep your vehicle safe. Then, once you hit the road, drive in manners that take existing hazards into account. While your auto insurance can help you in the event of an accident, the better approach is to prevent such risks. Therefore, careful preventative maintenance may help you stay safe on winter-affected roadways. Never forget to talk to your auto insurance agent about how you could improve your coverage for winter driving.

Do you need auto coverage? Call Amigo Insurance Agency, Inc at 877-999-2644 for a Chicago car insurance quote.

What Is No Fault Auto Insurance?

When a car accident occurs, does it matter who is at-fault? In no-fault states, who is responsible is less of a factor than you may think.

It is important for drivers to understand how their car insurance works. At-fault and no-fault auto insurance differs in an important way. Depending on the type you have, you may pay more or less for an accident.

How Does No-fault Car Insurance Work?

The term no-fault auto insurance describes a specific type of insurance product. In this type of policy, the policyholder turns to his or her plan when an accident occurs. Who caused the accident does not matter in this situation. Very few states allow for this type of auto insurance. Most require at-fault insurance instead.

In at-fault coverage states, police determine who holds responsibility after an accident occurs. Then, the insurance company for the person at-fault pays for most or all of the losses of the other driver.

In no-fault cases, the individual can file a claim with his or her car insurance provider. The provider should cover the losses no matter who caused the accident. Here’s an example. You are in an accident in which another driver hits your vehicle. Instead of filing a claim with that driver’s liability insurance, you file it with your own. Your insurer covers your losses.

What Are the Benefits of No Fault Insurance?

When used, no-fault car insurance offers some benefits. First, it means the driver always has coverage for medical needs. You do not have to rely on the other driver’s liability policy to cover your losses. This offers a bit more peace of mind. Second, it may reduce the likelihood that you will pay more if you are in more accidents. Rather, a blanket policy is in place.

Should You Invest in This Insurance?

It is important to realize not all states allow for no-fault car insurance. Check with your Department of Motor Vehicles to determine if this is an option for you. Some states offer limited access to such plans. And, these plans have limitations. Most of the time, they limit how much they cover. If you have this type of insurance, take a closer look at your coverage. Illinois is a state that enforces at-fault auto insurance laws.

Most people will find that basic auto insurance that assigns blame is most economical. It is the most common option available. Choose a policy that properly represents your needs in all cases.

Call Amigo Insurance Agency, Inc at (877) 999-2644 and we can help you get a Chicago auto insurance quote.

Traffic accident and to drivers fighting

What does a Business Owners Policy or BOP Not Cover?

How do small companies buy insurance? Many businesses buy a business owner’s policy. This kind of protection is often called a BOP. Insurers will offer lower rates for the coverage included in the BOP. This solution may offer a simple and cheaper way to buy insurance.

A BOP may make sense for a small company. Stores, dental offices, and cafes all may find that a BOP suits their basic needs. Still, it may not provide enough insurance.

What does a BOP cover? Common coverage in a BOP might include liability, property and business interruption insurance. Some agents will customize a BOP to suit their clients. They may be able to tailor protection for the business size, industry, or location.

What Won’t a BOP Cover?

Still, a BOP may not include all the coverage that your company needs.

These kinds of insurance are not likely to come with a BOP:

Professional liability: Some professionals need to protect themselves against claims that they did not perform their duties properly. Medical professionals may need malpractice insurance. Finance professionals might have to buy errors and omissions coverage. A BOP usually won’t come with this kind of protection.
Cyber insurance: Today’s companies value digital information. They also value the security of customers’ information. Cyber insurance protects businesses against data breaches or the loss of computer systems.
Business car: A company’s cars have to have insurance against liability or property loss. Personal insurance isn’t usually enough. A company may need business car insurance too.
Employee benefits: A BOP won’t usually contain workers’ compensation or health insurance either. Employee benefits must usually come separately.

How to Buy Business Insurance?

Most business owners understand that they need insurance to protect their company. They might also need to protect their employees. Most owners would rather focus their energy on running their company. The right insurance can help them focus by giving them peace of mind.

Find an agent with experience insuring covering similar companies. They should suggest policies and help compare rates. The final choice of a BOP and other business insurance depends upon the owner. A good agent can help the company save time and money.

Let Amigo Insurance Agency, Inc help you get the right coverage at an affordable price. Call us at (877) 999-2644 for a fast, free insurance Chicago business insurance quote.

What does a Business Owners Policy or BOP Not Cover?

Have the Right Paperwork to Avoid SR-22 Risks

Driving safely is about more than being careful behind the wheel. It also means that you have to have the proper qualifications to operate a vehicle.

Every state has rigorous licensing, registration and insurance requirements. Failing to get the correct qualifications may cause your state to label you as a high-risk driver. A high-risk classification may require an SR-22 certificate for your auto insurance. Drivers don’t want to get SR-22 files, as these may negatively impact the driver’s insurance coverage.

Why States Require SR-22s for Lack of Qualifications

If you don’t have the right qualifications, it may signal that you cannot drive in a trustworthy manner. Less trustworthy drivers may pose higher operating risks. These risks may lead the state to require you to prove you have active auto insurance. A strong auto insurance policy might reduce risks that high-risk drivers pose on the road.

To prove that you have auto insurance, your state may require you to get an SR-22 certificate. These certificates come from your auto insurer, and verify that you have coverage. SR-22 certificates might remain on your driving record for a couple of years, depending on your state.

Avoiding SR-22s Is Always Best

If your state requires you to get an SR-22, this often signals to your auto insurer that you are a high-risk driver. As a result, it may discontinue your coverage or increase your policy prices.

States may impose SR-22 requirements for qualification violations like driving without insurance or failing to carry proper licensing. It is imperative that all drivers maintain their driving qualifications at all times.

Have an active, un-expired driver’s license with you at all times. Update or renew your license on time. Make adjustments to your license information or classifications any time you experience a change in driving circumstances. Do not drive with a suspended or expired license.
Carry up-to-date registration and plates on your vehicle. Each state requires registration renewal through different processes. Familiarize yourself with your states laws, and do not miss a renewal deadline.
Always carry effective auto insurance. Driving without the proper insurance can frequently lead to SR-22 requirements. Most states require auto insurance coverage for most drivers. Make sure your policy meets all state requirements.

Before you hit the road, have the right qualifications to drive. It may help the authorities determine you are a safe driver.

Call Amigo Insurance Agency, Inc at 877-999-2644 today for help getting a fast, free Chicago auto insurance policy quote.

141232596_smiling_girl_with_drivers_license

Avoiding Costly Accidents When Driving in Mexico

Driving in Mexico means that Americans have a responsibility to follow Mexican law. If they don’t, they could experience an accident. This could cause problems between drivers and Mexican authorities. Not only will accidents likely result in hassles, they may lead to out-of-pocket costs that need specialized insurance.

American drivers should take steps to reduce vehicle accident risks if they drive in Mexico.

1. Familiarize Yourself With Mexican Driving Laws

In many ways, driving in Mexico is much the same as driving in the U.S. However, driving laws vary from place to place. Different signage, road structures and toll capacities may all confuse American drivers. Americans should also familiarize themselves with common Mexican driving practices before they drive. Print and online resources can help drivers prepare for their adventure south of the border.

Furthermore, Americans shouldn’t assume that all driving rules will have English translations. Mexico’s primary language is Spanish. The further you venture from the border, the more likely you are to encounter signage and other rules exclusively in Spanish.

2. Get the Right Driving Paperwork

Mexico recognizes U.S. drivers licenses as valid. However, Americans often have to get other paperwork to operate in the country.

Americans may need passports, visas, import permits and proof of Mexican insurance to enter the country. This paperwork can help clear up accident-related questions and support your right to drive.

3. Get Mexican Auto Insurance

If you have an accident in Mexico, it may lead to costs and liabilities like those you face in the states. You may want to use auto insurance to help you mitigate these damages.

Mexico does not recognize U.S. auto insurance policies. Therefore, American drivers need a specialized policy when driving in this country. Failing to carry Mexican insurance when driving may result in significant problems. American drivers may be unable to afford repairs to their vehicles. Furthermore, they may face arrest or charges because they don’t have auto insurance.

Many American insurers work with reputable Mexican insurance companies to issue policies to international drivers. Your local insurer may be able to issue you a policy in conjunction with that Mexican company. You can often adjust your policy to make sure it contains all the coverage you need to drive in Mexico. Furthermore, drivers can often only make these policies active during the duration of their trip to Mexico. This can help them only pay for the coverage when they need it.

If you need Mexican auto insurance, look no further. Call Amigo Insurance Agency, Inc at (877) 999-2644 and we can help you get a policy specific to international driving.

What Is Proof of Loss?

You need to file a home insurance claim. A part of the process in doing so is often to complete a proof of loss statement. What’s that? And, how do you know how to complete it?

The good news is your home insurance agent will help you through this process. Whenever there is a need to file an insurance claim, rely on your agent to help. This speeds it up. It also ensures you do not provide inaccurate information that could damage your claim.

Defining Proof of Loss

The proof of loss statement is a document you often must complete when filing a claim. Most insurance claims require it. However, it is nearly always a requirement when filing a home insurance claim. In short, it is a statement that outlines what amount of money you wish to request. This is a legally binding document. That means you must be truthful in it. You must also take steps to ensure the amount you request is accurate.

A proof of loss statement requires your signature. This signature is your sworn oath about the money you wish the insurer to pay you for the claim loss. The home insurer will use this document to determine if it can pay you the amount requested. This is not your actual claim. You will need to fill out additional information about why you are filing the claim.

With a proof of loss statement, you state how much you wish the policy to pay you. In some cases, you will need to justify this amount. For example, in a roofing claim, the estimate from a local roofer will help to prove that this is the amount necessary to cover the claim. If you lost a piece of jewelry, a receipt can help you verify the actual worth of the item.

Take the time to work with your insurer to complete the proof of loss. Be sure it is as accurate as possible. This information will play a role in how much the insurer pays you for the claim. However, it is only the first step. The insurer will still verify that this is the right amount. The home insurance policy also defines how much coverage you will receive. Your home insurance agent will help you through this process to ensure accuracy and speedy claim service.

Ready for home insurance? Look no further. Call Amigo Insurance Agency, Inc. at 877-999-2644 for a Chicago home insurance quote.

The Scoop on Potholes and How to Avoid Them

It is awfully difficult to traverse city roads without encountering a pothole. Sometimes, potholes can linger for years.

Potholes form as a result of uneven roads that cause the back ends of trucks to smack against the road. Potholes also form due to freezing and thawing that leads to cracking. When moisture reaches such cracks, they form potholes. Often, drivers see potholes and swerve into another lane without looking. This reaction might cause an accident and raise auto insurance rates.

Why Potholes are Such a Problem

Potholes are certainly unsightly. They often mar otherwise clean roads that are in solid condition.

Yet the most glaring problem posed by potholes is the damage they inflict on vehicles. Potholes have the potential to severely damage a vehicle’s wheels, tires and suspension. Let’s take a look at a few tips that will help drivers reduce the impact of potholes.

How Drivers can Avoid Potholes

The best way to avoid potholes is to use common sense.

Drive at a reasonable speed that is always at or below the posted speed limit. Such a safe speed will provide you with ample time to react if you spot a pothole. Do not tailgate.
Do not swerve into an adjacent lane to avoid the pothole. Changing lanes could cause an accident worse than any damage resulting from direct contact with the pothole.
If you have enough time to gauge traffic in an adjacent lane, do so. If you believe there is enough space to change lanes before hitting the pothole, go ahead and move over.

Minimize the Damage

In most instances, you will not have enough time to avoid potholes. Be especially aware at night when potholes are that much more difficult to see.

You may be able to reduce the damage of the impact by reducing your rate of speed. Take your foot off the brake after making contact with the pothole. This strategy helps your automobile absorb the impact. Be sure to approach the potholes with your vehicle’s wheels pointed straight ahead. Striking a pothole at an angle can worsen the damage.

It will also help to keep your vehicle in good working order. A well-maintained car stands better chance of emerging from a pothole without damage. Keep your vehicle’s tires inflated to the proper level. Make sure the steering and suspension are in tip-top shape. These preparations will help you avoid an accident that spikes your car insurance rate.

Do you need auto insurance? Let us help. Call Amigo Insurance Agency, Inc. at 877-999-2644 for a fast, free Chicago auto insurance quote.

Traveling in Mexico? You Need Auto Insurance

Whenever you hit the road, you need auto insurance. This is especially true when you venture to an unfamiliar location. When you travel, you face risks that you may not ordinarily encounter. That’s why this coverage is so important. But, when you travel outside of the U.S., you may find that your standard auto insurance does not cover you.

Americans may travel into Mexico on vacation or even everyday business. However, what you may not realize is that Mexican law does not recognize most forms of U.S. auto insurance. However, going without auto insurance in Mexico is just as risky as going without auto insurance in the U.S.

Driving Qualifications for Mexico

If you plan to drive in Mexico, you have to the first take steps to ensure that you have the correct qualifications to operate in the foreign jurisdiction.

The good news is that Mexico recognizes the U.S. driver’s licenses. Still, U.S. drivers usually also need passports, visas or other documents to legally enter Mexico. Also, depending on where you drive, you may have to get an import permit to bring your vehicle into Mexico.

But, along with these requirements, you must get insurance as well.

Getting Mexican Auto Insurance

Mexico, like the U.S., requires most drivers to carry auto insurance. If Americans fail to carry the appropriate foreign insurance, they may face severe penalties from Mexican authorities. Penalties may include impoundment of vehicles or even jail time.

American drivers in Mexico can usually get Mexican insurance before they leave home. Many American brokers work closely with reputable Mexican insurance companies to issue policies. These policies will meet all Mexican insurance requirements. They should contain:

Liability coverage, similar to the third-party liability coverage of American policies
Medical payments coverage for those in your vehicle
Travel assistance similar to roadside assistance
Legal assistance coverage, in case a legal problem arises relating to the accident

Drivers may also be able to add extra protection like theft or collision coverage.

Many Mexican insurance policies can cover drivers in both short- and long-term increments. American drivers should talk to an experienced insurance agent before buying a policy. The agent can help the driver determine the appropriate coverage limits for Mexican driving.

Do you need Mexico auto insurance? Call Amigo Insurance Agency, Inc. at 877-999-2644 now.

Avoiding Reckless Driving Charges and SR-22 Requirements

Reckless driving demonstrates risk to the authorities and insurance companies. Reckless driving may harm drivers, their vehicles, personal property and others on the road.

A state may require reckless drivers to get a SR-22 certificate. A SR-22 certificate is not an insurance policy. It is a certificate that verifies for the state that a driver has an active auto insurance policy.

SR-22s remain on a driving record and auto insurance policies for a couple of years. Drivers have to maintain active auto insurance for the entire SR-22 period.

If an insurance policy lapses, the SR-22 becomes void. If drivers continue to receive reckless driving charges, the SR-22 period may start over. Drivers may even face harsher driving penalties.

Drivers should do everything they can to avoid a reckless driving charge. Take a look at some of the ways to reduce this risk, and also cut the chances of getting an SR-22.

1. Brush Up On Unfamiliar Laws

Many of us cannot fully understand the myriad of state driving laws. We may not understand certain signs, right of way laws or speed requirements. Accidentally breaking one of these laws may lead to a reckless driving charge.

All drivers should periodically refresh their basic knowledge of state driving laws. Reviewing the state driving handbook or passing a defensive driving course may help them learn to be safer on the road.

2. Put Down the Mobile Devices

Multiple states penalize distracted drivers for reckless driving. A common distraction is mobile device use. Texting while driving may lead to accidents, speeding and potentially deadly harm to others. Never use mobile devices while driving.

Another common cause of distracted driving is impaired driving. Never drive while intoxicated or under the influence of illegal or prescription drugs.

3. Have Vision and Hearing Tests

Many states require vision or hearing tests for drivers to obtain a license. If drivers don’t pass these tests, they could pose driving risks. Proper vision and hearing help make sure a driver can react and avoid potential hazards. Drivers should never hit the road without wearing glasses, contacts or hearing devices required of them.

Finally, drivers should take the time to check their insurance coverage. If they don’t carry auto coverage that meet’s their state’s requirements, they could face driving charges. This may include the requirement to get an SR-22. Never hit the road without a policy that can adequately cover vehicular risks.

Need SR-22 coverage? Call Amigo Insurance Agency, Inc. at 877-999-2644. We can help you get an accurate Chicago car insurance quote right now.

Auto Insurance for Your Teenage Driver

Your family has finally arrived at the time in your lives where you have a teenage driver in the home. Your teen has passed the tests, logged their practice hours and is now ready to drive solo. While you may be ready to panic at the thought, comprehensive auto insurance coverage can set your mind at ease.

But, it can be stressful finding coverage that fits your teen’s unique needs and your family’s budget.

Auto insurance for teens is usually more expensive. This is because teens represent a very big risk for insurance providers. New drivers don’t have the same experience as seasoned drivers. High odds exist that your teen could have an auto accident in their first few years of driving. Therefore, it pays to invest in a high level of protection to keep them safe and avoid putting your family assets at risk.

Find the Right Car Insurance Policy for Your Teen Driver

Purchasing an auto insurance policy for your teen can be pricey if you aren’t sure where to begin. Before you start your search, ask yourself if you want to add your teen to your own policy or if you’ll buy them separate coverage.

Adding Your Teen to Your Policy

Adding your teen to your existing policy is often the most affordable option for your family. On average, you can save over $3,000 per year when you combine coverage for everyone in the family. When you add your new driver to an existing policy you will also likely qualify for discounts. Those discounts can help ease the cost of a teen driver taking to the open road.

Do your research before investing in car insurance coverage for your teen. We can help you to look for different discounts that may be available including good student discounts, safe driving courses and driving contracts.

Benefits of Comprehensive Coverage for Teen Drivers

Car accidents are the leading cause of death for teens aged 16 to 19 in the US. Drivers who fall into that age group are 3 times as likely than drivers aged 20 or older to have a fatal crash. With such an increased accident risk, it makes sense that insurance costs for teens are much higher than other drivers. With a comprehensive car insurance policy, you can help protect your teens in the event of an accident and give your family peace of mind.

We’ve got you covered. Call Amigo Insurance Agency, Inc at 877-999-2644 for a free Chicago auto insurance quote. One of our agents can help you determine the best way to insure your teens.

Know How Changing Seasons Affects You

Review Your Auto Insurance

Getting Your Car Ready for Winter

Blog Archive

Tags

Questions? Call Us

Visit an Office

How Does No-fault Car Insurance Work?

What Are the Benefits of No Fault Insurance?

Should You Invest in This Insurance?

Blog Archive

Tags

Questions? Call Us

Visit an Office

What Won’t a BOP Cover?

How to Buy Business Insurance?

Blog Archive

Tags

Questions? Call Us

Visit an Office

Why States Require SR-22s for Lack of Qualifications

Avoiding SR-22s Is Always Best

Blog Archive

Tags

Questions? Call Us

Visit an Office

1. Familiarize Yourself With Mexican Driving Laws

2. Get the Right Driving Paperwork

3. Get Mexican Auto Insurance

Blog Archive

Tags

Questions? Call Us

Visit an Office

Defining Proof of Loss

Blog Archive

Tags

Questions? Call Us

Visit an Office

Why Potholes are Such a Problem

How Drivers can Avoid Potholes

Minimize the Damage

Blog Archive

Tags

Questions? Call Us

Visit an Office

Driving Qualifications for Mexico

Getting Mexican Auto Insurance

Blog Archive

Tags

Questions? Call Us

Visit an Office

1. Brush Up On Unfamiliar Laws

2. Put Down the Mobile Devices

3. Have Vision and Hearing Tests

Blog Archive

Tags

Questions? Call Us

Visit an Office

Find the Right Car Insurance Policy for Your Teen Driver

Adding Your Teen to Your Policy

Benefits of Comprehensive Coverage for Teen Drivers

Blog Archive

Tags

Questions? Call Us

Visit an Office

Get a Quote the Way You Want