Do I Need Gap Auto Insurance in Illinois?

Reader’s Question:

Is the gap auto insurance coverage already included if I loan my car here in Illinois or do I have to buy it separately along with my car insurance?

Irvin

Decatur, IL

Lots of lease agreements already have auto gap insurance coverage; however, you need to be completely in conformity with the agreement to be able to have the gap coverage paid out. Majority of gap coverage incorporated with a lease agreement need you to keep making monthly payments pending the receipt of the gap payment. In case you have finance for your car out of a bank in Illinois, you may not have an agreement that gives you with instant gap insurance coverage. A lot of car insurance companies offer gap insurance coverage but do not publicize the fact. Also, some of the large insurers do not market it at all.

Some car insurance companies offer gap coverage but it would only be for brand new vehicles that have never been titled and for those who have purchased a policy with collision and comprehensive insurance. Car insurance experts suggest that gap insurance should be bought when the vehicle is initially purchased since this is the time the gap is the biggest. Some insurers would let you buy gap insurance up to 11 months after you buy the vehicle, or if the vehicle is in the model year wherein the coverage is bought.

Buy Auto Insurance Online in Illinois

Reader’s Question:

I’m kinda phone phobic so it’s probably better for me to go online to get some quotes for my auto insurance in Illinois. Is there any disadvantage on getting online auto insurance quotes or would I rather talk to insurance agents?

Dariana

Berwyn, IL

Going through the web could be a big help in obtaining different quotes for your auto insurance in Berwyn, Illinois, especially if you’re kinda phone phobic. A lot of auto insurance companies would give you free online quotes and you could look through them all at the same time without having to speak to anyone on the phone. But a convenient phone-free auto insurance shopping could also have a disadvantage. The best thing to do is for you to tie up the use of Internet with more conventional ways when looking for auto insurance.

Speaking with insurance agents would provide you the chance to inquire about things that you could not have had you not talk to any. It would also allow you to inquire on things that you could not find answers on any website. Do not just think about the amount of a certain auto insurance policy. Though you will be tempted to look only at prices, also think about what you get for your money. Cautiously check the type of coverage the auto insurance you’d like to have would give you and also check the kinds of coverage that are available in general. Then, decide for the coverage that you really need and be careful if the auto insurance company is offering temptingly low rates.

DUI Field Sobriety Tests in Illinois

Reader’s Question:

If in case I am stopped for DUI in Arlington Heights, Illinois, what do you think I should do if a police officer asks me to watch his pen or do physical agility tests?

Herman

Arlington Heights, IL

You have to remember that if you are stopped for DUI in Arlington Heights, Illinois, you don’t have an obligation whatsoever to submit to any physical tests like watching a pen, walking a line or balancing on one leg. There would be no legal penalty for refusing these kinds of tests. The officer might tell you that you will be arrested if you refuse to do the tests and don’t fall for a line like that. You could be arrested when you refuse, but the police officer has already decided to arrest you before he asked you to do the tests. It could help a lot in your DUI defense if you politely and respectfully decline the tests prior to consulting with a lawyer.

Regardless of how well you might think you would do on the tests, you would learn you failed the tests. Even police officers who have already done the tests hundreds of times fail to administer the tests by the book. If the police officer asks you to perform the tests for him, politely tell the officer that you should speak to a lawyer before deciding if you would perform any test the officer might ask you.

Is a Drunk Driving Offense in Illinois Serious?

Reader’s Question:

Why do people, especially here in Illinois, think that drunk driving or DUI is a serious offense? Isn’t it that DUI is just a simple offense?

Oliver

Berwyn, IL

People, most especially there in Berwyn, Illinois, think that drunk driving or driving under the influence is a serious offense because it simply is. DUI is not just any other traffic offense because it is nevertheless a criminal offense. In fact, DUI is one of the most serious driving offenses in the US. Although there are a lot of driving offenses, DUI often results in serious consequences and it is likely to have grave implications on your future. It is a crime if you are driving with a blood alcohol level of 0.08% or more and driver’s license could be suspended or revoked if you are found guilty of the DUI offense. It would also make life difficult and costly through increased insurance fees and hefty fines.

The US takes DUI offense very seriously, as it should be. Drunk driving in states like Illinois are set forth by a statute and Illinois DUI Laws could be incredibly complex. The consequences could vary in different states and with different instances, but the basic penalties under the DUI laws tend to remain almost the same.