Vehicle crashes are more common on winter roadways. Does your auto insurance policy provide adequate protection?

Policyholders should be familiar with coverages, limits, and claim procedures.

  • Check auto insurance policy coverages, exclusions, and loss settlement terms each year.
  • Verify policy details (limits, deductibles, name, address, vehicles, drivers in the household, lienholder, etc.) are accurate. Adjust as needed.
  • Illinois law requires liability coverage on all licensed motor vehicles. Liability pays for the other driver's damages if you are legally responsible for the crash.
  • Physical damage (comprehensive and collision) protection is optional, but lenders typically insist on it. Comprehensive and collision pay for damages to your vehicle.
  • Insurance companies offer numerous policy add-ons. Examples are towing, rental car reimbursement, gap coverage (leased vehicles), uninsured motorist property damage, new car replacement, and more. Expand coverage to suit individual needs.
  • Look through the insurance contract for policyholder duties following a loss. These are requirements like reporting damage to the insurance company as soon as possible, providing a loss statement, cooperating in the claim investigation, and more.