Auto Liability Only Insurance in Illinois

Reader’s Question:

I plan to get auto insurance as soon as possible and I am kinda looking around. Is it okay to just get liability coverage for my auto insurance here in Orland Park, Illinois?

Patricia

Orland Park, IL

Auto insurance liability coverage is a kind of insurance which is commonly called the third party insurance. It would be okay to just get the liability coverage for your auto insurance in Orland Park, Illinois. The liability coverage would insure you and your automobile for the minimum cost of coverage that is allowed under the law. This is a basic kind of vehicle insurance that will give coverage for the smallest types of claims. For instance, if you get into an accident and you are at fault, then you would not be paid out for that claim. Only other people involved would be paid by your auto insurance provider.

The exact coverage on your auto insurance would be set out when you sign the insurance policy. These numbers would be the maximum that the auto insurance provider would be ready to pay if you get into an accident. You need to be sure on the exact cost of your insurance coverage. If you think that it is not enough, you need to raise it.

Drunk Driver Insurance in Chicago Illinois

Reader’s Question:

I got into an accident because I was drunk while driving my friend’s vehicle here in Chicago, Illinois. If I have full coverage and he only has liability insurance, will my insurance cover the accident since I was the one driving the car?

Aaron

Chicago, IL

The phrase “full coverage” is being utilized by most of us when we point out to Physical Damage coverage. This means that a person has Liability insurance and Physical Damage, at times besides other insurance combination’s to be fully covered. Physical damage coverage comprises Collision and Comprehensive coverage. Typically, collision insurance covers damage to only your vehicle caused by collision with another object or by upset. On the other hand, comprehensive insurance covers damage to only your vehicle from theft, vandalism, glass breakage or anything other than Collision.

Most mortgage holders, loss payees and rental companies demand Physical Damage coverage if you are financing or leasing your automobile. This coverage doesn’t extend to other automobiles and they won’t cover your friend’s car or become secondary insurance behind another car’s primary insurance. His liability coverage in Chicago, Illinois will be “primary,” and your liability coverage would be “excess or secondary” to the liability coverage.