Auto Insurance in Chicago Heights, IL

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Chicago Heights, Illinois, (IL) Drivers

The small town of Chicago Heights, Illinois, (IL)  population 29,856, is a short 32 miles from the much larger city of Chicago. Many of the residents of Chicago Heights drive regularly into the big city to take advantage of the restaurants and cultural offerings. With an average household in Chicago Heights owning two cars, VIU by HUB is happy to assist residents in obtaining the best insurance policies to keep those vehicles on the road.

Reasons You Need Car Insurance in Chicago Heights

Even though auto insurance may seem like a luxury, you really can't afford not to have it. With approximately 17,000 crashes nationwide every day, you need to ensure you can survive an accident not just physically but financially. Here are some compelling reasons to obtain car insurance in Chicago Heights, IL:

  • Illinois state law requires liability insurance coverage in the amounts of $25,000 for a single injured person in one accident, $50,000 for multiple injured people in one accident, and $20,000 for property damage. The state is currently conducting computer-aided checks twice a year to monitor compliance. Violators can have their licenses suspended and face penalties of $100 to have them reinstated. Drivers caught on the road without insurance or driving on a suspended license face penalties of $500-1000. The state also requires drivers to carry an uninsured/underinsured policy.
  • If you become the victim in an accident, you will be thankful for the state law requiring insurance, as their policy will take care of your damages to self and property.
  • Auto lenders require collision and comprehensive car insurance in Chicago Heights while you are paying on the vehicle.
  • Vehicle repairs are not cheap. If you are at fault in a fender bender and you don't have insurance, you could be responsible for a huge sum out of pocket.
  • If another person is victimized in an accident you caused and you don't have insurance to compensate them, you could find yourself a defendant in an expensive and potentially devastating lawsuit.

Car Insurance Myths: Debunked

There is a lot of misinformation about car insurance lingering around and interfering with people trying to learn the facts. Here are some common myths about car insurance in Chicago Heights, IL:

  • If I have the state-minimum car insurance policy, I am safe from personal liability in case of a collision.
    • False: your policy will only cover up to your cap, regardless of state minimum requirements. If you cause an accident with damages exceeding your coverage limit, you are responsible for the balance.
  • Insurance rates are not affected by personal finances.
    • False: premiums can be influenced by personal credit scores.
  • I can save money by letting my insurance coverage lapse.
    • False: while you will save money by not paying your premiums for a few months while your policy is inactive, your policy could increase when you reinstate it. You also risk an accident during that period, which could be financially disastrous.
  • My "full coverage" policy takes care of all circumstances that could occur.
    • False: full coverage refers to collision, comprehensive, and liability protection, but may not include uninsured motorist coverage, roadside assistance, or rental car expenses.
  • Thieves steal mostly new cars.
    • False: older cars are typically easier to break into and can be sold for parts.
  • When I use my car for business, my personal car insurance policy always covers me.
    • False: personal coverage applies to driving for personal reasons, leisure, or a commute. A vehicle used as an income-generator is generally not covered.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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