How Much Insurance Must the Other Driver Have?
Drivers in Illinois are required by the State Law to have auto insurance coverage. By default, drivers are mandated to have liability coverage. This type … Continued
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Thawing Equipment Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Electric Generator Set Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Masonry Core Drill Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Compact Utility Vehicle Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Service Truck Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Heavy-Duty Truck Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Trailer Truck Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Tool Carrier Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Premium
An insurance premium is a monthly or annual payment an insured pays their insurance company for an auto insurance policy or other types of coverage. … Continued
Read More.Negligence/Negligent
The State of Illinois is an at-fault state, meaning, the driver at-fault for an auto accident will carry the cost of damages and losses. By … Continued
Read More.Medical Payment
Medical payment, also known as med pay, is a type of auto insurance coverage that will pay for you and your passengers’ medical expenses in … Continued
Read More.Illinois Insurance Guaranty Fund
The Illinois Insurance Guaranty Fund (IIGF) was established in July 1971 as a non-profit organization that protects policyholders and claimants of bankrupt insurance companies. The … Continued
Read More.Illinois Auto Insurance Plan (Assigned Risk Plan)
Like in other states, Illinois has an assigned risk plan called the Illinois Auto Insurance Plan (ILAIP). This is the last resort for high-risk drivers … Continued
Read More.Grace Period
A grace period refers to the time allowance insurance companies give insured individuals to pay for their premiums without cancelling their policy. Not all insurers … Continued
Read More.Exclusions
Insurance exclusions are circumstances that are not covered by your policy or voids your coverage. An example of exclusion is the compensation for your bodily … Continued
Read More.Endorsement
An insurance endorsement – also known as a rider – adds, deletes, or changes terms in your insurance policy. An example of an endorsement is … Continued
Read More.Deductible
An auto insurance deductible is the amount you will have to shoulder before your insurance carrier pays for the rest of the damage or loss … Continued
Read More.Declarations Page (“Dec Page”)
The Declaration Page, also known as Dec Page, reflects the key points of your policy. Typically, a declaration page will contain the following information: Your … Continued
Read More.Covered Expenses
Covered expenses, also known as eligible expenses, are damages or losses compensated by your insurance carrier. These expenses must meet the requirements specified in your … Continued
Read More.Comparative Negligence Law
Comparative Negligence Law is tort law in the State of Illinois. Tort law concerns most civil suits excluding contractual disputes and seeks to compensate for … Continued
Read More.Claims Adjuster
An insurance claims adjuster investigates policy claims to determine the insurance company’s coverage. An adjuster will normally interview the policyholder, witnesses, and police; inspect the … Continued
Read More.Claim
An insurance claim is an insured’s request for coverage or compensation for damage or loss covered in the policy. The compensation will depend on the … Continued
Read More.Cancellation
Just as you’re allowed to cancel your auto insurance policy, auto insurance companies may cancel on you for various reasons. These reasons may include numerous … Continued
Read More.Broker
A broker serves as a middleman or intermediary that represents the insured. An auto insurance broker charges the insured for a certain amount after negotiating … Continued
Read More.Binder
Binder, also known as an insurance binder, is an agreement between the policyholder and the insurance carrier that serves as temporary proof of insurance for … Continued
Read More.Crawler Dozer Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Sheepsfoot Roller and Padfoot Roller Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
Read More.Surface Drill Accidents
Construction is one of the most dangerous careers in America, with one in ten construction workers injured each year while working on the roads, infrastructure, … Continued
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