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常见问题解答
An SR-22 is a requirement that a judge imposes on someone with a poor driving record associated with driving without insurance. The judge requires you to purchase the SR-22 to make you a more responsible driver — 和 one who has auto insurance. The insurance company is responsible for reporting to the state that you have an active 政策.
No, you will not be covered for that accident. Your 政策 must be in place at the time of the accident for you to be covered.
Insurance carriers pay for the damages to your vehicle up to the value of the vehicle at the time of the loss.
You got pulled over 和 were issued a traffic citation. It happens; we’re all human. In the majority of cases, we can still insure you. 然而, the cost of your 政策 may change as a result of the violation(s).
Your agent will give you an approximate date when your next payment is due, you will receive a bill in the mail. We also have a courtesy-call reminder program — we call you to remind you about your upcoming payment.
不幸的是, if you don’t make your payment 和 your 政策 is canceled, 你将没有保险. 这通常没有问题, as we always get you reinstated once you make a payment — we charge no fees for this. 然而, if your 政策 has been lapsed for more than 60 days, we need to start up a new 政策. While it’s easy to get reinstated, if you have an accident while your coverage is lapsed, your accident will not be covered under the 政策. Certain states, such as Nevada, impose substantial fines for lapses in coverage.
责任, or 国家最低 报道,包括 身体伤害, 财产损失 和 没有保险的司机 保险. The lowest level of coverage that we offer is the 国家最低. This keeps you legally able to drive. In Illinois, you are not required to purchase Uninsured/Underinsured Motorist coverage. 然而, it is considered so important that when you purchase auto insurance, you have to specifically reject this coverage IN WRITING to not purchase it.
确定, we insure customers with no driver’s license, 临时驾驶执照, international driver’s licenses 和 any U.S. licenses in state or out of state.
Yes, as soon as you purchase a 政策 with us, you will be given your proof-of-insurance ID card. 如果你在网上购买, you will be able to download it 和/or save it to your device after purchasing. If you purchase over the phone, your proof-of-insurance card will be emailed to you. If you purchase in one of our stores, we h和 it right over to you.
If you’re pulled over while driving without insurance, the police officer typically issues a ticket for no insurance. Depending on the severity of the violation that led to you being pulled over, the judge often requires you to purchase an SR-22 政策.
你需要 提出索赔. A claim is a request to your auto insurance company to pay or reimburse you for expenses when you suffer a loss that’s covered by your 政策.
This is something set by the state 和 is often called 责任 or 国家最低. 这通常包括 身体伤害, 财产损失, 没有保险的司机 保险. The lowest level of coverage that we offer is the 国家最低. 这能让你合法驾驶. In Illinois, you are not required to purchase Uninsured/Underinsured Motorist coverage. 然而, it is considered so important that when you purchase auto insurance, you have to specifically reject this coverage IN WRITING to not purchase it.
We do not provide coverage for a rental car for personal use. If you’re renting a car for a personal trip, we strongly suggest that you add insurance to the vehicle at the rental facility.
Most likely you need the 政策 because of an SR-22, we will help you with a non-owner 政策, which means that you can purchase the state minimum amount of liability insurance. Or, if you just want a 政策 so that you’re covered when driving another person’s car, 我们也可以卖给你.
Your deductible is your out-of-pocket expense for repairs to your vehicle if you have Comprehensive/Collision coverage. 如果你的免赔额是1美元,000 和 you have a claim that totals $3,000, 你付1美元,000 和 the insurance company pays the remaining $2,000. Typically, the higher your deductible is, the lower your rate (or cost per month) will be.
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免责声明:
These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions 和 do not constitute an insurance contract or coverage for specific losses. For a complete description, please consult your 政策 contract or contact your insurance agent.
