When I make an IL auto insurance claim, then who gets the money?

Greg

Thanks for asking, Greg.

Well, that depends on a few things. Was the accident your fault or the other driver’s fault? Because those are the two defining issues. If a car accident is your fault, then the title put on the IL auto insurance claim is first party claim. On the other hand, if the car accident is not your fault, then the IL auto insurance claim is instead called third party claim. Here is a break down of the two.

• First party claim.

You file a first party claim on your IL auto insurance policy if you are found at fault for an accident and yet you have collision coverage to take care of damage to your own property. You will first pay the deductible that you have signed up for, and when the claim is approved, your IL auto insurance company will issue a check. Whose name is on the check depends on what terms you signed off on in your contract. So long as you agreed to it in your contract, you have no right to complain.

In most cases, the check for a first party claim will have both your name and the name of the mechanic who is repairing your car. The reason for this is that lots of fraud goes on and this insures that the check cannot be used for fraudulent purposes and that you end up repairing your car as desired. In some cases, though, your IL auto insurance company might make the check out to you. You will then be allowed to find a repair shop that you like and have your vehicle repaired there. It all depends on the company and, most of all, the contract.

• Third party claim.

Third party claims are a lot easier, because you are working with the other driver’s car insurance company. Since you have no obligations to them, not having signed their contract, they have to treat you better than they would their own IL auto insurance policy holder. This usually goes more quickly, and the claims check is made out to you.

Cheers,

Fashun Guadarrama.

Is it possible to get a cheap Chicago insurance quote on a high performance car?

Mary

Thank you for asking, Mary.

High performance cars fall in the category of high risk when it comes to Chicago insurance quote rates, and as such the prices will be inevitably higher. However, like with anything else, the initial high ratings that you get with a high performance car Chicago insurance quote is only a setback, and there are plenty of things that you can do to ensure that your Chicago insurance quote isn’t as high as you would expect.

The main thing that I would suggest to someone buying a high performance car is that they get their Chicago insurance quote from a car insurance company that specializes in insuring high performance cars. There are plenty of these kinds of companies out there and they offer more special protection when it comes to the high price and riskiness of your vehicle. They are also preferable because, unlike with your regular auto insurance company, a high performance car insurance company is more likely to cover any upgrades that you make to your car. If you don’t have the upgrades covered on a regular car insurance policy, then you could lose a lot in a collision, and if they are covered then your Chicago insurance quote would be rather high.

I would also say that if you are going to buy a high performance car and want a good car insurance quote, then it would be a good idea to maintain an active interest in your car and possibly join some kind of club or organization for it. Not only will you learn a lot of great information about your new vehicle this way, but you will also probably be able to get a discount on your Chicago insurance quote through your car club. Normally, car clubs have some kind of relationship with a group of car insurance companies and you can get discounts through those companies.

Cheers,

Fashun Guadarrama.

Who is covered under my auto insurance in Chicago?

Jackie

Good question, Jackie.

It’s a subject that often comes up because most of the time the text of your auto insurance policy in Chicago isn’t all too clear. You might have to hassle a car insurance agent or read the policy several times to figure it out, but even then you cannot always be certain of who is covered under your auto insurance in Chicago.

First of all, let’s state the obvious. You are covered under your policy for auto insurance in Chicago, as are any other named drivers on your policy. It doesn’t matter who they are or where they live, if they are on your policy then they are covered under your auto insurance in Chicago.

Beyond that, there are a couple of more groups of people who are also covered under your auto insurance in Chicago. The first group is members of your household. This does not mean, as it seems, anybody who lives in your house and drives your car. It has the more specific meaning of being anyone who lives in your house and is related to you by marriage, adoption, or blood. So that means your spouse, child, stepchild, grandmother, and so on, so long as they live with you.

The second not so obvious group of people that are covered under your policy for auto insurance in Chicago are your friends and other relatives. However, there is a clause attached to this. They are only covered by your policy for auto insurance in Chicago if they

• have your permission to drive your car, or
• have reason to believe that you would give them permission to do so.

The trouble on that second part is that it is often very difficult to prove that your friend or relative had no reason to believe that you would have allowed them to drive your car.

Now, while these groups are covered under your auto insurance in Chicago, you have to remember that insurance follows the car, not the driver. They are only covered under your policy so long as they are driving one of the vehicles listed on the policy.

Cheers,

Fashun Guadarrama.