Blog - Illinois Insurance Hotline

Information covered in the Illinois Insurance Hotline blog is intended to provide general information and guidance, and should not be considered legal advice.

Whose insurance pays when two cars back into each other in a parking lot?

May 22, 2019, 5:13 AM

Fault in a parking lot accident is based on factors like which vehicle was moving, who had the right of way, speed, traffic signs and more. There is no clear right of way when two cars back up simultaneously without confirming an unobstructed aisleway. Individuals generally share responsibility 50/50 for this type of crash.

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Does depreciation affect personal property claims?

May 15, 2019, 4:52 AM

Yes. Most homeowners policies insure dwellings on a replacement cost basis but limit coverage on personal belongings to actual cash value. Check your insurance contract for specific loss settlement terms, including valuation.

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Avoid Distracted Driving

May 1, 2019, 5:23 AM

Driving distractions contribute to thousands of accidents each year. The result is often costly property damage, personal injury, even death. Motorists are urged to be aware of the dangers that accompany distracted driving. Click on the link below to take a closer look at behind-the-wheel distractions and tips to drive fully focused.

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