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Lincolnshire, IL 60069

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Is Your Auto Insurance Right For You? Here’s How to Tell

Your auto insurance policy should do everything within its power to cover your needs as a car owner. However, we at Arial Insurance Group know that many Chicago, IL drivers may be uncertain of whether their policy is right for them. So here are a few questions you need to ask to know for sure.

Does It Cover Your Needs?

Auto insurance should provide you with a myriad of protection types, each of which is specifically suited for your needs. However, many people end up frustrated with their policy if it does not cover everything that they want. So pay attention to things like:

  • Liability
  • Collision coverage
  • Protection from mechanical failure
  • The dangers of low-insurance drivers

These problems are particularly potent in Chicago, which has an extensive range of drivers that may cause many issues. As a result, you may want to talk to your provider to learn more about whether it’s time to upgrade.

When Is It Time to Upgrade?

It’s likely time to change your insurance policy if you don’t believe its coverage meets your needs. For example, you may have a policy that handles basic collision but does not cover liability concerns. On the other hand, in a big city like Chicago, you need the policy to pay for accident coverage.

Just as importantly, you may want to upgrade your policy if you have anyone else on it, such as your children, and you find that their needs are not being met. For example, young teens often need specialized policy coverage.

Who Can Help?

If you think it’s time to change your auto insurance policy in Chicago, IL, please contact us at Arial Insurance Group to learn more. We will do what we can to help insure your vehicle with a policy that works for you.

Ensuring your Vehicle is Properly Covered

When it comes to obtaining auto insurance, you must have, at least, liability insurance to legally drive your vehicle. However, this auto insurance typically does not cover your vehicle and bodily injury if you get in an auto accident. It only covers the other party’s auto repair, medical costs, and more if you are at-fault in the accident. Having said that, there are more types of auto insurance coverage you can have, and the following includes the six common types of auto insurance protection: 

1. Bodily Injury Liability

This insurance coverage is for the policyholder and family members’ injuries. 

2. Personal Injury Protection (PIP)

This insurance coverage is for the driver and passengers’ injuries of the policyholder’s vehicle. It typically covers lost wages, medical payments, and even funeral costs.

3. Property Damage Liability

This insurance coverage is for damage to another party’s property caused by policyholders or someone permitted to drive the policyholders’ vehicle. 

4. Collision

This insurance coverage is for damage to the policyholder’s vehicle due to a collision from another vehicle, vehicle flipping over, or an object. It does not matter who was at-fault with this coverage.  

5. Comprehensive

This insurance coverage is for damage not caused by a collision, such as riots, vandalism, windstorms, earthquakes, floods, and animal contact. 

6. Underinsured and Uninsured Motorist Coverage

This covers auto damage and bodily harm due to an underinsured or uninsured motorist. 

As previously mentioned, these are common types of auto insurance. Other types of coverage include rental car reimbursement, gap insurance, accident forgiveness insurance, and more.

For more information about auto insurance, contact Arial Insurance Group today. Located in Lincolnshire, a northern suburb of Chicago, IL, the agents at Arial Insurance Group have over 30 years of auto insurance experience in Chicago, IL, and surrounding areas. Thus, you will be in good hands with this agency. Contact them today.

Three auto insurance requirements in the state of Illinois

One thing motorists should know about their auto insurance needs is that every state has different auto insurance requirements in place. At Arial Insurance Group, we offer motorists in Chicago, IL auto insurance policies that allow them to meet the requirements set forth by the state of Illinois.

The following are three auto insurance requirements in Illinois.

At least $25,000 of coverage for the injury or death of one person in an accident.

Motorists in Illinois may be held liable for medical expenses for any individual hurt in an accident for which they are deemed responsible.

The liability insurance of an Illinois driver needs to offer a minimum of $25,000 of coverage, but it’s wise for motorists to invest in additional coverage. Medical expenses for a vehicle accident injury could easily total more than $25,000. 

At least $50,000 of coverage for the injury or death of multiple individuals in an accident.

The state of Illinois requires further minimum coverage when it comes to an accident in which more than one individual is injured. For this scenario, at least $50,000 in injury coverage is required. 

At least $20,000 of coverage for property damage. 

Illinois law also stipulates that motorists must carry liability coverage for property damage. A motorist needs to have at least $20,000 in insurance coverage for damages caused to the physical property of another individual in an accident.

The police can cite motorists in Illinois who do not carry at least the coverage mentioned above. If this happens, their vehicle is likely to be impounded, and they may face a driver’s license suspension. 

You can learn about the features our auto insurance policies offer at Arial Insurance Group by contacting us online or over the phone. We’re here to help motorists in Chicago, IL to meet their insurance needs. If you’re in Arkansas, we also provide services in the Little Rock area.

Partner Carriers

  • Aegis
  • American Modern
  • American Strategic Insurance(ASI)
  • Assurant Flood Solutions
  • Berkshire Hathaway Guard
  • Capital Premium Financing
  • Cigna
  • Dovetail
  • Foremost
  • Grange
  • Hagerty
  • Humana
  • Kansas City Life Insurance Company
  • Met Life and Health
  • National General
  • Nationwide
  • Old American Life
  • Openly
  • Progressive
  • RLI Surety
  • State Auto
  • Stillwater
  • Travelers
  • United Healthcare