Uncategorized | Amigo Insurance

5 Car Maintenance Tasks You Can Do Yourself

We all try to play the saving game as best as we can. However, when even the smallest of things go wrong with our cars, it’s easier to schedule time at the shop than try to fix it ourselves, costing us quite a bit of money in the process. And while many things should be left to the professionals, there are a couple of tasks that you can easily check or fix at home.

Things You’ll Need

Rag or towel
Tire Pressure Gauge
Receptacle
Your Car’s Manual

Windshield Wipers

You don’t need to be a car genius to know how to change your windshield wipers. Blade set-up may differ from car to car so it’s important to check your vehicle’s manual, but it goes something like this:

Lift the blades, similar to when you wash them, and remove old blades.
Be sure to look at how the old blades connect to the metal arms. This so you know how your new ones will be attached.
Find the tab on the underside of the wiper and push to remove old blade.
Attach new blades carefully so as to not bend or scratch your windshield.
Line everything up and make sure they are both secure.
Generally, the packaging for new blades offers additional helpful tips and diagrams in case you’re unsure.

Tire Pressure

Having correct tire pressure is very important as it helps evenly distribute the weight of your car. When tire pressure is off, due to either under or over-inflating, the tire loses that stability and can negatively impact your car’s stride. When tire pressure is too low, you’ll see a TPMS (Tire Pressure Monitoring System) sensor light up on your dashboard. This means it’s time to check your tires. Luckily, this doesn’t have to break the bank and can easily be done in less than 5 minutes with a basic tire pressure gauge.

First, be sure to check your vehicle’s recommended PSI. This can be found on the inside of the driver’s side doorjamb or in your owner’s manual.
Remove the caps from the tire air valves; place the gauge on the valve creating a solid seal between gauge and valve.
Apply pressure to get a reading. Do this for all four tires.
If the pressure is too low, use an air compressor to add air. These are available at many gas stations. Ensure that you add air to match your vehicle’s PSI.
If you overfill your tires, use the back end of pin to remove any extra air.

Fluid Levels

Don’t let the sight of your engine or fancy car terminologies intimidate you. Checking your vehicle’s fluid levels can be quite easy and time effective. As a general rule, a fluid level check is recommended every 1-2 months. To check any fluids under your hood, be sure to park your car in a flat, well-lit area and let the engine cool for about 20 to 25 minutes.

Check Your Oil

Identify the dipstick. This is a long, thin rod with a ring or handle at the top. Not to be confused with your transmission fluid dipstick. As always, refer to your owner’s manual to be sure.
Pull the dipstick all the way out, wipe it with a rag or towel and reinsert. This will ensure a better reading of the fluid level.
After a couple of minutes, pull the dipstick out once more and check if the oil level is near the FULL line.
If not, add more oil. Your manual will state what kind of oil is best for your vehicle.
Be sure to never overfill the oil reservoir.
To add oil, simply locate the reservoir, remove the cap and use a funnel to add. Wipe any excess or spilled oil with a rag or towel. Place the cap securely on the reservoir and recheck your levels.
If you notice that your oil is black or brown and not clear light brown and shiny, you might need to go get your oil changed professionally.
For a helpful graphic, click here.

Check Your Windshield Wiper Fluid

Find the windshield wiper fluid reservoir. This is usually a white plastic container or tube with the picture of a windshield. You can find the exact location of this reservoir in your manual.
If the level is lower than the FILL line, remove the cap and add the appropriate fluid with a funnel. Do not add water.
Be sure to close the lid securely once you’re finished.

Flush a Radiator

Keeping a radiator from overheating is essential. Unfortunately, over time, sludge can build up inside the generator making your coolant less effective. In turn, this can negatively affect your engine’s performance and mileage. A coolant service is generally recommended every 30,000 miles or five years. However, it’s always important to check your owner’s manual for your vehicle’s recommended specifications. Here’s how that goes:

Make sure your engine is cool. This will prevent any injury should you make any contact with the engine. A good time to work is two hours after your vehicle’s been last used.
Locate your vehicle’s radiator drain plug. Place a coolant receptacle under the drain and unscrew the plug. Allow the coolant to drain into the receptacle.
Replace drain plug and remove the radiator cap. With a funnel, add radiator flush cleaning solution to the radiator and fill the rest with water.
Replace and tighten the cap. Start your car, turn your heater on to the hottest setting, then let cool for about 10 -15 minutes. After those minutes are up, turn your car off and wait for your car engine to cool.
After your engine has cooled back down, unscrew the drain plug and empty its contents into your receptacle.
Replace drain plug. With your funnel, fill the radiator with 50% coolant and 50% water. Tighten all caps and voila!

Jump Start Your Car

Knowing how to jump-start a car is an essential roadside know-how. In many cases, it can not only help you get back on the road but also help be a good Samaritan by knowing how to help other drivers in need.

Have a friend or family member offer to help. Have them drive the good car up to your car so batteries are as close as possible.
Attach the red positive cable to the good car battery terminal, then attach the other red positive cable to your car’s battery terminal.
Attach the black negative cable to the good car battery, then ground the car by attaching the other black negative to a solid, unpainted metal surface on your car (a bolt, for example) as far away from the battery as possible. Avoid any moving parts in the engine.
Start the good car first and wait 2 minutes. Then, start your car and wait for 2 minutes.
Remove the cables in the reverse order they were attached in.
Let your car run for 2 more minutes then hit the road!
For a helpful diagram, click here.

Simple as many of these steps may be, be sure to recognize when something is out of your capabilities or knowledge. If you’re unsure of how to proceed, take your care to a professional and avoid any further damage.

Signed,
Amigo Insurance

Road Rage – How to Avoid “Hulking Out” When Driving

Road rage – It gets even the best of us. You’re calmly driving to your destination when another driver decides to cut you off, nearly hitting your car in the process. In this or any other similar scenario, it can be very easy to fall back on anger. However, driving while angry is not the best time to make objective or safe driving choices. One quick lapse of judgment, on either side, could potentially send someone to the hospital, or worse.

According to the AAA Foundation for Traffic Safety’s Aggressive Driving Study, over 78% of US drivers engage in at least one aggressive behavior per year. Some of those aggressive behaviors being:

Tailgating
Giving someone the finger
Purposefully driving slow
Cutting people off
Not allowing others to pass or Blocking
Aggressive honking

It seems that aggressive driving is a common occurrence that many US drivers will likely face at some point. But what can you do when you find yourself in a hostile driving environment?

If you’re being tailgated – Move over. It’s better to step aside and let the aggressive driver go on than risk having them follow you for miles. Make sure you’re not going to start tailgating them yourself out of anger.
Avoid eye contact. Sure, you may want to peek over and see who it is that’s being kind of a jerk, but making eye contact with an already angry driver can escalate the situation.
Apologize (wave hand gesture) if you made a wrong move. We all make mistakes. Unfortunately, sometimes being the bigger person can be difficult. But, in a situation that could easily get ugly, it’s better to just apologize than have angry drivers on your tail. Give the “wave” hand gesture and mouth “I’m Sorry” to them if you feel like you may have made a wrong maneuver or cut someone off yourself.
Allow plenty of room for others to pass you. If you notice that a car, or cars, are attempting to pass you, give them room. Blocking other drivers can make the situation a lot more frustrating for both of you.
Use your horn moderately. Honking excessively can make the situation worse. Try not to overdo it.

Of course, emotions are often difficult to control. So, if you still feel like taking matters into your own hands, you should try:

Getting out of traffic and pulling over to a safe location to unwind
Remain calm by taking deep breaths, listening to music, or calling a friend to help cool you down
Think of the consequences that could come with exacting any type of revenge on another driver

You must also remember the added repercussions of acting on road rage such as going to court, paying legal fees, jail time, physical injury to yourself and passengers, damages to your vehicle or even death.

So, before you decide that following the driver who cut you off is a good idea, remember to take deep breaths and realize that any vengeful action comes with heavy consequences.

Signed,
Amigo Insurance

Give Your Car a Security Checkup this Spring

Soon, many of us will undertake that thorough yearly ritual known as spring cleaning. It’s a time to clean up, check out and repair the important things in your life. There’s no better time to do it than when the weather is nice.

One item you shouldn’t forget to pay attention to this spring is your vehicle. Your car probably sustained its fair share of wear and tear in the last year. Thorough maintenance and upkeep can help you get it ready for more intense use during the summer. However, there’s another part of your car’s well-being that you should check up on this spring—its security.

Vehicle theft and vandalism are both possibilities nowadays. They can strike anywhere and at any time. How you protect your vehicle might make a big difference in whether you become a victim. Security steps, as well as the right car insurance, can help you prevent and recover from theft.

Car Insurance Coverage for Theft and Vandalism

Vehicle theft occurred at a rate of 236.9 incidents per 100,000 people in 2016, according to the Insurance Information Institute. Illinois was among the ten states with the highest rates of theft. If you live in the Prairie State, consider your auto insurance a source of help in case theft occurs.

Car insurance policies usually offer theft protection. However, these policies will likely come with conditions.

Usually, to receive coverage for theft or vandalism, you need comprehensive protection. Comprehensive coverage insures damage from incidents not related to wrecks or other collisions. It can often help replace the car, or repair damage sustained during a theft.
Even if you have comprehensive coverage, it might not provide the full recovery costs. Your policy limits will likely determine how much support, if any, for which you qualify. Most policies will likely include a deductible. If your vehicle damages fall under the cost of the deductible, you will have to pay for all the damage yourself. Also, some policies will only compensate the insured for the actual cash value of the vehicle. This is the depreciated cost of the car at the time of the theft. This value might be less than the full value needed to buy a new vehicle to replace the old one.
Your comprehensive insurance likely will not cover any personal items inside the vehicle. If something, like a purse, gets stolen from (or along with) the car, you might be able to file a claim on your homeowner’s insurance. Your car insurance will often only cover damage or losses to pre-installed features.

Therefore, talk to your insurance agent about how much theft coverage you need to carry. Make sure it is enough to help you replace the vehicle after a total loss. Your agent likely can offer expert information on the specific coverage for you.

Protect Yourself Against Theft, Save On Auto Insurance

If you have a high chance of auto theft, this might drive up your car insurance rates. However, there are ways for all drivers to take steps to reduce their vehicle theft risks. In some cases, these precautions might even qualify the driver for policy discounts. This could lower the cost burden they face for their coverage.

Consider if connected or internet-of-things technology can help reduce theft risks. Then, ask your insurer if they award discounts for connected security mechanisms. If you qualify for a discount, adding this protection to your car might prove beneficial.
Think about where you store your car. Usually, parking it inside a garage or close to your residence is the best safety step to take. When parking in public, keep your vehicle in a well-lighted area.
Always lock your car, regardless of where you leave it. Also arm your car alarm whenever you leave the vehicle.
Never leave valuables on view in the vehicle. Cell phones, purses, money, prescriptions and more might trigger a thief to break in or steal the car. Take these vehicles with you or lock them in the trunk of the car.
Consider buying theft prevention devices for your car. These might include steering wheel locks or special alarms. You can usually easily activate your devices as soon as you get out of the car.

If you experience vehicle theft, immediately contact the authorities and your insurer. You will likely need to file a police report or start an investigation to recover the vehicle. Your insurer will likely need to start a claim immediately upon theft occurring. This will help them better track the results of the investigation.

The good news is, based on your policy, you might have access to rental car reimbursement. Your insurance might pay some or all of the cost of a rental so you can at least drive even without the other vehicle. Car theft can be a difficult incident to experience. However, your insurance can likely come in handy as long as you have appropriate protection. Call us for a Illinois car insurance quote.

Seatbelts aren’t for decoration – Why you should always wear yours

Putting on a seat belt should already be an immediate response after getting in any car – both as a driver or a passenger.

According to the National Highway Traffic Safety Administration (NHTSA), in 2014 alone there were over 9,000 fatalities in the US due to unbuckled passengers. And while in recent years the US has achieved a new, all-time record seat belt use rate of 90%, still, more than 27 million Americans don’t buckle up when in a car.

While many may complain that wearing a seat belt is uncomfortable to wear or simply unnecessary for short trips, the fact of the matter is: seat belts save lives. While wearing a seat belt, you can reduce the risk of fatal injury in nearly half. This is a giant return on investment for the two seconds it takes to buckle up.

Here are 10 reasons why you should be wearing a seat belt:

1) It’s The Law – Illinois is the third state in the US to enact a mandatory seat belt law for adults, putting the state at the forefront of traffic safety regulations. It mandates anyone riding in the front of a vehicle to have a seat belt fastened. It also makes it mandatory for any passenger under the age of 19 with an 18-year-old driver to be buckled up. Any passenger under the age of 16 with a driver older than 18 to be buckled up, and any child under the age of 8 to be secured in a child safety seat.

2) Your face is less likely to hit the windshield when wearing a seat belt. If your car is going at a high speed and suddenly stops, a seat belt would prevent the driver from hitting the windshield at the same speed.

3) Wearing your seat belt keeps you from being ejected from your vehicle.

4) Wearing a seat belt can prevent passengers from crashing into each other. It keeps everyone put and comfortable.

5) Not wearing a seat belt could diminish the effectiveness of airbags. If not buckled up, you can still be thrown out of your car and crash into things. In addition, without your seat belt, your body may not be in a position where your airbag could protect you properly.

6) Wearing a seat belt could help save your life. In 2016, nearly 15,000 lives were saved due to proper seat belt use. However, 2,500 more lives were lost because they weren’t buckled up.

7) Despite new safety measures and technologies, seat belts remain a top vehicle safety device.

8) Wearing a seat belt increases the chances of being unhurt if an accident that results in fire or submersion. Your chances of getting out increase.

9) Seat belts prevent the driver from shuffling in their seat and hitting the door or steering wheel while driving. Some roads are unpredictable and cause the driver to move around; a seat belt can help prevent that.

10) Wearing a seat belt can help keep you and your family safe. What else could you ask for?

So, before you say wearing a seat belt makes you uncomfortable, remember the many reasons why buckling up is a positive habit that everyone should have.

Signed,
Amigo Insurance

How to Jump a Car Battery

You hop in your car, ready to go, only to hear a strange clicking noise when you turn your keys in the ignition. It sounds like your battery is dead.

So now what? An experienced driver likely knows how to approach the situation. But what about those who’ve never dealt with the frustration of their car not turning on?

Here’s a step-by-step guide to help:

1) Suppose a friend or any Good Samaritan offers to help. Have them drive the GOOD CAR up to YOUR CAR so the batteries are as close as possible.

2) Attach the red ‘positive’ cable to the GOOD CAR battery terminal, then attach the other red ‘positive’ cable TO YOUR car battery terminal.

3) Attach the black ‘negative’ cable to the GOOD CAR battery, then ‘ground’ the car by attaching the other black ‘negative’ to a solid, unpainted metal surface on YOUR CAR (such as a bolt), as far away from the battery as possible. Avoid any moving parts in the engine.

4) Start the GOOD CAR first, wait 2 minutes, then start YOUR CAR, wait for 2 minutes.

5) Remove the cables in the REVERSE order they were attached in (i.e Black/Your Car, Black/Good Car, Red/Your Car, Red/Good Car)

6) Let YOUR CAR run for 2 more minutes then hit the road.

Remember:

Red Goes to Red – RED = Positive +

Black Goes to Black – BLACK = Negative –

No Luck?

If this doesn’t work, it may mean that the terminals in your car battery are no corroded. You may want to move them back and forth to try and get a connection and get rid of some of the gunk on them. If you have an older car, it could also just mean that your battery is old. If that’s the case, it’s time to replace the battery.

Make sure to always have jumper cables in your trunk just in case an accident happens.

Signed,
Amigo Insurance

Electric shock hazard: Failure to follow these step-by-step instructions could result in electrical shock or other serious injuries. If you’re unsure about anything in this article, please contact a mechanic or another car specialist.

can-a-goal-zero-yeti-solar-generator-jump-start-a-car

Vehicle Maintenance Means Better Safety

Many of us think that we, the drivers, are the only influencer on our vehicles. However, that’s not the case. Often, your vehicle is its own influencer. A misbehaving car might create the potential to harm others.

A vehicle can greatly influence itself. At times, it might do so in ways that inappropriately affect the driver, passengers and others. A well-functioning car becomes important for your own safety.

Understanding The Importance of Car Maintenance

You wouldn’t get on an airplane if you knew it had malfunctioning parts. So, why should you drive a car that hasn’t received proper care. You likely don’t think much about wear and tear when you’re going down the road. However, every mile you put on your car puts a little bit of strain on the car’s internal systems. They do, after all, have to work constantly to get you where you want to go. Over time, the wear and tear on your car will begin to mount. Eventually, parts on this well-oiled machine will need maintenance.

If you don’t properly maintain your car, you run the risk of breakdowns or catastrophic damage. That could lead to a lot of repair costs down the road. Neglect might even increase the chances of irreparable vehicle damage, car accidents and other malfunctions. Needless to say, you don’t want that to happen to you.

That’s why regular car maintenance is so important. If you can keep your car in good working order, it will keep you safer on the road. Don’t let maintenance neglect get in your way of safe driving.

Taking Care of Your Vehicle

Most vehicles require standard maintenance every few thousand miles. The right attention to your vehicle can help extend its operating lifetime. This often means you won’t have to buy a new car earlier because you didn’t take care of the old one. That’s speaks volumes—and money—to most people.

When you buy the car, it will likely come with manufacturer maintenance recommendations. The guide can help you determine when to receive maintenance and what services you’ll need. Always follow the manufacturer’s directions when getting car service.

Many Americans take their vehicles to their dealerships for regular maintenance. Others take the cars to independent mechanics. When searching for a mechanic, do your research. You should always choose certified, trusted providers. They should have a reputation of fast, affordable and most importantly accurate service.
If your car has special designs, like hybrid or electrical functions, ensure your mechanic knows how to service it. Some mechanics are not specialists in these high-tech vehicles.
Ask if your vehicle has a service warranty from the dealer or manufacturer. These warranties might help drivers qualify for very low-cost maintenance and parts replacement.
One of the most important regular services you can receive is an oil change. Your oil system helps keep the engine and other internal systems lubricated. This ensures that they run smoothly. Regular oil changes can help remove contaminants from internal systems.
During oil changes, your mechanic will usually check your engine as well. Your engine might need cleaning, filter changes and other maintenance over time. Engine neglect might lead to fires, explosions, failures and damage to other systems. Drivers should never neglect engine maintenance.
You car’s battery helps the car start, run and idle. Usually, by running your engine you supply the battery with power. However, the battery will age, becoming less reliable over time. Therefore, you will likely need to replace the battery every five years or so. Never neglect replacing a battery. An old or damaged battery can put undue strain on other internal systems. Your mechanic can check your battery during your maintenance.
Have your mechanic rotate, refill or replace your tires as needed. Improperly inflated or tread-worn tires might lead to control issues, making driving unsafe. You don’t want to experience an accident because your tires don’t work as they should.

There are usually other comprehensive maintenance tasks you might need. These might include HVAC, electrical or carriage services. Ask your mechanic if they can completely inspect the interior and exterior systems of the vehicle during your maintenance. Most mechanics will likely do this anyway. Direct their attention to any sounds, smells or noises you have noticed while driving. This might help them diagnose ongoing problems.

Can Car Insurance Help With Maintenance?

Usually, your standard car insurance won’t pay for a normal maintenance checkup. Insurance means to help drivers who experience unintentional or unavoidable vehicle damage. Maintenance doesn’t fall under this category. However, if you have to receive maintenance as the result of a vehicle accident or other damage, you might be able to file a claim.

Therefore, it’s best for most drivers to take care of their cars under all circumstances. The better your car works, the lower your chances of experiencing costly, harmful damages. Therefore, consider your maintenance duty to be one of safety.

Call us for a Chicago auto insurance quote at 877-999-2644.

Avoiding DUIs and SR-22 Requirements

One particularly devastating form of driving violation is a DUI. DUI charges stem from drivers who operate a vehicle while drunk or otherwise intoxicated. This is a serious driving mistake because intoxicated drivers are not in full control of their faculties. This impairment therefore makes vehicle operations unsafe. It is dangerous not only to the affected driver but others on the road.

Should you receive a DUI, you will likely face various extremely serious penalties. These might include things like license suspensions, jail time and increased insurance prices. Not least, it may lead to the requirement to get an SR-22. You don’t want to get these penalties, particularly the SR-22. They could each lead to severe financial punishment.

Why is Intoxicated Driving Unsafe?

One way to think of intoxication is as using an overwhelming substance. It muddles a driver’s faculties and often reduces their ability to process information. Some of the effects of intoxication might include:

Dizziness, blurred vision and problems hearing
Reduced attention span and memory retention
Amnesia and blackouts
Reckless or impulsive reactions
Decreased hand-eye coordination
Headaches
Breathing difficulties

And more.

It’s easy to see why getting behind the wheel while intoxicated might lead to problems. If you do not have alert, coordinated control of your vehicle and actions you could make mistakes. This could lead to accidents, injuries or even death, not just for yourself but for others. In 2016, nearly one-third of all traffic deaths in the U.S. involved an intoxicated driver. This is a signal for concern for all drivers.

The Penalties of Drunk Driving

Given the risks associated with drunk driving, it’s easy to see why it carries such stiff penalties. Every state institutes different penalties for DUI charges. Some might include:

License suspensions or points on the license
Revocation of vehicle registration
Arrest, jail time, house arrest or probation
Vehicle monitoring. This might include instances where you must blow into a breathalyzer device to start your vehicle.
Financial penalties

And more.

DUI arrests might also impact your ability to get affordable car insurance. Many drivers don’t think about how an insurance policy

After a DUI, you might face an increased policy premium, or even a denial of your coverage. Many drivers don’t think about what a DUI might mean to their car insurance providers. Car insurers determine premiums based on the risks that drivers present to them. It’s easy to understand how DUIs can easily demonstrate to your insurer that you are a high-risk operator.

Avoid SR-22 Penalties

After a DUI, the authorities might require you to get an SR-22 form. If you’ve never heard of an SR-22, now is a good time to familiarize yourself. You don’t want it to happen to you.

An SR-22 is a form that attaches to your existing car insurance. The form serves as a verification for the state that you have car insurance. Your insurance agent will send the DMV the SR-22, and you will have to keep the form active for a period of years.

States that use the SR-22 penalty can, in effect, force drivers to carry auto insurance. Like your insurer, your state will view a DUI charge as a signal that you present high operating risks. Therefore, they’re likely going to want you to carry car insurance. Your coverage will help guarantee to the state that you don’t pose as high a risk to other drivers.

Keeping your SR-22 will need attention. First, you make have to make adjustments to your existing insurance to qualify for the form. Afterwards, you must not let the policy lapse. If you do, the SR-22 period will likely start over. Other penalties might also arise.

Avoid Drunk Driving and Become a Safer Driver

You can avoid an SR-22 by being a safe driver. In the case of intoxicated driving, you can solve the problem through only one action—not driving drunk. To avoid this, take common-sense actions:

When drinking socially, take public transportation, a car service or a taxi.
Ask a member of your party to serve as a designated driver. That person will not consume alcohol. They’ll be your chauffer to make sure everyone gets around safely.
If you drive your car to an event, but become intoxicated, don’t drive home. Give your keys to a trusted, sober friend and ask them to drive you home. Or, leave your car at the establishment overnight and claim it later.
Even if you have one drink, realize that it might impact your faculties. Never drink without eating food and drinking water to help absorb the alcohol. Even if you feel fine, you might still become intoxicated. Should you make the choice to drive, only do so at your own risk.

Avoiding drunk driving will not only keep you safe, it will also protect others on the road. Driving while intoxicated is one of the most dangerous scenarios on the road. However, if you don’t do so, you’ll do your part to create safer roads for us all. Call us for a Chicago auto insurance quote at 877-999-2644.

Understanding Illinois’ Car Insurance Requirements

Illinois is a large, diverse state. There’s a lot to see between Cairo in the south and Waukegan in the North. And there are plenty of driving hazards that you might encounter along the way. Illinois drivers are going to encounter various traffic, vehicle and insurance laws. These laws ensure that Illinois’ roads remain safe thoroughfares for all travelers.

All Illinois drivers have to follow many laws on vehicle ownership and car insurance. If you register your vehicle in the state, you will have to carry auto insurance. Failing to carry insurance could result in various penalties.

However, you still have options. Once you meet the state’s coverage requirements, you’re often able to adjust your policy to meet your needs. Consider the need for auto insurance a necessity, but the benefit of it to be a convenience.

Illinois Liability Auto Insurance Requirements

Most states require their registered drivers to carry minimum levels of auto insurance. In this manner, mandatory insurance works as a form of consumer protection. Illinois requires its drivers to carry, at minimum, three levels of liability insurance:

$25,000 bodily injury or death coverage per person
$50,000 cumulative bodily injury or death coverage per accident
$25,000 property damage liability protection

You must also carry uninsured/underinsured coverage valued at:

$25,000 per person.
$50,000 total per accident.

The Importance of Liability Protection

Liability protection does not protect the policyholder themselves. It extends protection to other drivers on the road. Let’s say you collide with another vehicle, and break the other driver’s leg. Think about the financial effects that injury might have on the other driver. They might need to pay medical bills, receive rehabilitation or take time off work to recover.

An investigation into the accident determines it to be your fault. The other driver then likely has a right to file a claim against your liability coverage. If you carry the Illinois-mandated coverage, the injured driver could receive up to $25,000 for their losses.

Liability coverage serves as a valuable protection for both a policyholder and other drivers. If the policyholder carries this service, they might not have to pay compensation to an injured party out-of-pocket. Still, liability insurance can provide the affected party with the funds they need.

Penalties of Driving Without Insurance

It’s easy to understand the benefits of liability insurance. That’s why going without it shouldn’t be a thought. Most states levy penalties for drivers who carry either too little or no auto insurance.

Illinois is no different. While there is no jail penalty, there are often financial penalties and driving restrictions.

Fines: You can face fines of $501 to $1,000 for your first offense. Even higher fines of up to $2,500 follow for subsequent offenses. The exact fine will likely depend on the nature of the charge and whether it involved a vehicle accident.
Driving Restrictions: First-time offenders will receive a license and registration suspension for up to three months. Subsequent offenses will result in suspensions of up to four months.
Reinstatement Fees: If you have a driver’s license suspension, you will likely have to pay the $100 reinstatement fees.
SR-22 Certificates: Certain drivers will have to have this form attached to their insurance policy for up to three years. It will verify for the state that you have active auto insurance. Your insurer will send the SR-22 form to the Illinois authorities. You must keep your policy active for the entire penalty period.

Driving without insurance will likely change your eligibility for coverage in the future. Many insurers view driving without coverage as an indicator that a driver is a high risk to insure. So, they might deny your application for coverage or charge you more for your policy. If you’ve driven without insurance, talk to your insurance agent about how to insure yourself now.

Getting Extra Insurance

Once you get the state’s auto insurance requirements, you’re going to be driving in compliance with the law. However, carrying required coverage might not mean you’re carrying the best coverage. All vehicles are different. You can likely augment your mandatory coverage with extra protection.

Consider increasing your liability coverage to higher levels. Extra protection can better protect your own finances in case of an at-fault accident.
Buy collision coverage to cover your own vehicle’s repairs if you have an accident.
Get comprehensive coverage to afford repairs to the vehicle that result from accidents like fires, theft or weather damage.

Always carry verification of your insurance coverage in your car when you drive. That way, following an accident, you can have verification that you carry coverage. Never forget to always keep your policy active, and renew it every period. Talk to your insurance agent about the best way to carry protection. Call us for a Chicago auto insurance quote at 877-999-2644.

Steps for Buying a New Company Vehicle This Year

Maybe your business is growing, and you’re ready to buy a company car. Or, perhaps, your business’ old vehicles no longer suit your needs. Either way, 2018 might be the year that your company buys a new vehicle.

Vehicle ownership opens up a wide range of possibilities for businesses. You can go more places and deliver more services. Still, it comes with its fair share of responsibilities as well. This includes the responsibility to operate legally, including with the right auto insurance. Most businesses need to carry commercial auto insurance on their company-owned vehicles. As you prepare to buy a car, follow the right purchasing process and duly insure the vehicle.

Before Buying, Look at Your Needs and Finances

When you plan to buy a vehicle for your business, you want to do so after careful analysis of your needs. If you don’t get the correct vehicle, you’re going to probably cost the business wasted money in the long-term.

Consider the type of vehicle you need. For example, will you drive off-road or haul specialty equipment in your vehicle? Will you use your car for delivery services? In such cases, you might need a specialty type of vehicle like a truck or van. A standard sedan might not meet your needs.
Most companies will pay for and maintain their vehicles using business funds. Therefore, take a close look at your operating budget and income. You should never buy a vehicle that is too expensive for you to afford. Always have a good idea of how much you have in the bank, and how you expect your monetary needs to change in the next year. This can help you better nail down a budget for the vehicle.
Where will you keep your vehicle funds? Some business owners set aside dedicated funds to finance their company vehicles. This fund should remain solvent throughout the time you own the vehicle. It can help finance vehicle payments, maintenance and other vehicle costs.
How will you pay for company vehicles? Some companies pay cash for their cars, and don’t need to finance the vehicle. However, other businesses will take out a business loan to pay off the vehicles. Usually, credit unions and certain banks will offer these loans to business owners. Still, owners should take care to research the best financing options for their needs.

If you think you need special financial accommodations, talk to your financial advisor. They can help you determine how to manage your purchasing power.

Promptly Insure the Vehicle

After you purchase a new company vehicle, you will need to buy commercial auto coverage. Because your vehicle will belong to the company, you likely won’t be able to use standard auto insurance.

Commercial auto insurance accounts for the fact that a business is often a liable party following vehicle incidents. Usually, your policy will list the business as one of the insured parties. So, in case liabilities or damages arise, the business will have protection.

Usually, commercial auto coverage will include protection like:

Liability protection: To protect the business when its drivers are at-fault in an accident that harms someone else.
Collision coverage: Can help the business afford vehicle repairs following a wreck.
Comprehensive coverage: Can cover repairs resulting from incidents like theft, vandalism, fire or weather damage.
Medical payments protection: If you need help with medical expenses after an accident, this coverage might help.

And other forms of protection.

Always tell your commercial auto insurance agent certain things about the car:

What type of vehicle it is. For example, commercial trucks likely need different coverage than sedans.
Who will drive it? You might need to list all employee drivers on your policy. However, many policies automatically cover all employee drivers.
Will employees use company-owned vehicles for personal business? The personal use of commercial vehicles might mandate special coverage riders.

Remember, you will likely have to insure the vehicle to meet minimum standards set by your state. Often, an insurer will automatically place the minimum requirements on your policy. However, business owners should increase these levels as necessary, to guarantee protection of their vehicles.

After Buying, Register the Car Appropriately

Commercial vehicles, like every other car on the road, will require registration. Businesses should visit their state’s vehicle registration department to learn more. Some businesses might need specialized operating registration based on the vehicle or products they transport.

Furthermore, drivers might need to get special licensing to operate certain types of commercial vehicles. All commercial drivers should have the training, licensing and experience to safely operate vehicles. Business owners should monitor their drivers for safety at all times. If a driver’s record or experience indicates that they should not drive a company vehicle, then it might be best for the company not to allow that person to operate.

If you have questions about commercial auto insurance, contact one of our agents at 877-999-2644.

This is Your First SR-22. Now What?

Sometimes, minor traffic violations are more inconvenient than anything else. However, severe violations might show that you are a danger to yourself and others on the road. Each state has different ways of penalizing those who commit serious driving infractions. Penalties might include a requirement to get an SR-22 certificate.

If this is the first time that you have to get an SR-22, you might not understand what it is. SR-22s are certificates that essentially verify that you carry auto insurance. If you have serious driving violations, your state might require you to carry this form.

How You Can Get an SR-22 Penalty

Often, SR-22s penalties originate following dangerous behind-the-wheel violations by drivers. They may arise after drivers receive charges of:

Multiple or severe accidents
Many speeding tickets
Driving without insurance
Driving without a valid license or registration
DUI or DWI violations

Or other offenses.

Each state determines its SR-22 laws. Indeed, some states do not have SR-22 penalties at all, and won’t require the certificate. However, even if you live in a non-SR-22 state, you can still receive SR-22 penalties in another state. Visit your state’s DMV, motor vehicle service, or public safety websites for information about particular laws.

Understanding the SR-22

An SR-22 might impact the way you carry and afford auto insurance. Therefore, it is important that first-time recipients understand what the SR-22 is. Many people mistakenly believe that SR-22 coverage is a special type of car insurance.

If a driver commits serious violations, the authorities might classify them as high risks. High-risk drivers usually have a greater chance of causing property damage, injuries to third parties or damage to their own vehicle.

States understand the potential for damage that high-risks drivers carry with them. Many states have instituted the SR-22 rule as a way to protect high-risk drivers and others on the road. You can view the SR-22 as a way that states make doubly sure that high-risk drivers carry auto insurance.

SR-22s are not insurance policies. They are certificates that attach to existing auto insurance. Once attached to your insurance policy, the SR-22 goes to your state authorities. It verifies for the state that you have active auto insurance.

How Will the SR-22 Affect My Insurance?

When you get an SR-22, you will need to immediately contact your insurance agent. Your agent will be a source of information and assistance during this time.

SR-22s belong to drivers who carry a lot of risk, and insurance companies know this. Therefore, just as the state will view you as high-risk, so might your insurer.

When insurers issue policies, they assume risks associated with that driver. They base the amount of risk the driver has on varying factors. However, each factor impacts a driver’s likelihood of filing a claim. The more likely a driver is to file a claim, the higher their risk level usually is. The insurer may increase the driver’s premium because they have a higher chance of having to pay a claim for the driver.

Since SR-22s show a high risk, insurers will likely raise premiums for drivers who carry them. Some even refuse to cover the highest-risk drivers, including SR-22 carriers.

Getting and Maintaining Your SR-22

The thing to do when you get an SR-22 is to keep your wits about you. You usually have to follow a specific process to file the certificate. Contact your insurance agent or insurance company and notify them of the requirement. Your agent can then tell you how the SR-22 will impact your coverage.

If your insurer refuses to cover you any longer, your agent might be able to help you find a new policy.
You might need to consider adjusting your insurance coverage to higher limits. Your agent can often help you do that.
Some independent insurance agencies do not issue SR-22 certificates. You might have to seek policy assistance from another resource to get the filing. Be sure to verify with the state that it is in receipt of the certificate
Sometimes, you might have to file the SR-22 with the state yourself. In others, the agency might be able to file the SR-22 on your behalf.

There are usually costs associated with your SR-22 coverage. A simple filing fee is usually quite nominal, around $25 in most cases. However, you might face other costs. For example, the insurance company issuing the SR-22 may require you to pay your full premium up front. This helps make sure that your policy will not expire or cancel due to lack of payment. Remember, your premium may go up, and stay that way for a while.

The good news is, your SR-22 is usually temporary. Most first-time offenders have to keep the SR-22 active on their licenses for about 2-3 years. However, the key to getting an SR-22 is to not re-offend. If you commit further driving offenses during the SR-22 period, it may drive your rates up further or cause the penalty period to start over.

The SR-22 certificate is nothing to disregard or take lightly. You must adhere to its requirements like any other penalty. Talk to your insurance agent to make sure your auto insurance coverage and certificate meet all lawful requirements. With the correct protection, you can ensure that you will finish your SR-22 penalty without lingering consequences. Contact us to learn more about SR-22s in Chicago.

Things You’ll Need

Windshield Wipers

Tire Pressure

Fluid Levels

Check Your Oil

Check Your Windshield Wiper Fluid

Flush a Radiator

Jump Start Your Car

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Before Buying, Look at Your Needs and Finances

Promptly Insure the Vehicle

After Buying, Register the Car Appropriately

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How You Can Get an SR-22 Penalty

Understanding the SR-22

How Will the SR-22 Affect My Insurance?

Getting and Maintaining Your SR-22

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