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.

Safety First on Summer Roadways - Part 2

May 26, 2021, 8:45 AM

Safety-conscious motorists are better prepared to avoid unexpected hazards on summer roadways. Click on the link below for best practices that help drivers reach destinations unscathed.

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Safety First on Summer Roadways - Part 1

May 19, 2021, 4:02 AM

Busy summer roadways expose drivers to traffic congestion, construction zones, unfamiliar highways, and countless distractions. Increased mileage plus more driving hazards put motorists at risk. Statistics from the U.S. Department of Transportation confirm crash fatalities typically risk May through August. Make vehicle safety a priority this summer. Click on the link for tips to prepare your vehicle.

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How does umbrella insurance work?

May 13, 2021, 6:04 AM

People count on auto and homeowners insurance to step in when they are legally responsible for another individual's injury or property damage. However, medical care and property restoration are expensive, and can add up quickly. Personal assets are on the line when the other person's damages exceed your policy's liability limits. An umbrella policy protects your financial resources by providing excess liability coverage. Click on the link to learn more.

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Does life insurance have to be in place two years before a beneficiary can collect?

May 5, 2021, 4:13 AM

Beneficiaries are eligible to receive benefits if the insured individual passes any time after the policy's effective date, provided premiums are paid up. However, most life insurance contracts have contestability clauses that enable the company to look more closely at claims submitted in the first two years of the policy. Click on the link below to learn more.

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Are You Driving Distracted?

Apr 28, 2021, 4:43 AM

Motorists are bombarded with distractions each time they slide behind the steering wheel. Cell phones, temperature controls, music settings, tending to children, admiring landscape, eating, drinking - the possibilities are endless. Unfortunately, distracted driving contributes to numerous auto accidents each year, causing thousands of dollars in property damage, personal injury, sometimes even death. Click on the link to learn more about distracted driving and strategies to help you stay focused behind the wheel.

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