Category: Auto Insurance

When dealing with an auto insurance policy or an accident, you’re likely to come across some terms that may be unfamiliar. Here are five key terms you should know and understand in the event of an accident.

1. Bodily Injury Liability

This term refers to the costs associated with bodily injuries sustained in an accident. As the party responsible, you are liable for these damages, which can include medical expenses, treatment, and any loss of income due to the injuries from the accident.

2. Uninsured Motorist Coverage

Despite Illinois requiring minimum insurance, not all drivers comply with this law. If you’re involved in an accident with an uninsured driver, you can use the uninsured motorist coverage in your policy to help cover any costs associated with the accident until you can seek reimbursement for the damages in court.

3. Personal Injury Protection

This term refers to financial coverage for your lost income, medical expenses, and any other costs incurred due to injuries sustained in an accident that wasn’t your fault.

4. Collision Coverage

Collision coverage pertains to the damage your vehicle sustains when it is hit by another vehicle, objects in a parking lot, or damage from a pothole while driving. This coverage will provide the necessary financial support.

5. Comprehensive Coverage

Comprehensive coverage refers to the damage done to your vehicle during events like theft or vandalism while it was parked. If your vehicle is stolen or property is stolen from your vehicle during the event, comprehensive coverage will repair and replace these items.

If you’re in the Crystal Lake, IL area or surrounding towns and need auto insurance, contact us at August Vincent Insurance Agency today. We look forward to providing you with a personal quote.

A comprehensive auto insurance plan will cover everything, from bodily injury to auto repair charges. Some insured parties want to include uncommon policies as part of their insurance plan, like liability coverage for auto accidents. A lawsuit could make an on-road accident very expensive. But what about the passengers? At Crystal Lake, IL, the August Vincent Insurance Agency provides auto insurance coverage for passengers and drivers.

Do I Need Insurance Coverage for Passengers?

This answer depends on your situation. If you frequently drive with passengers in the car, it’s a good idea to have auto insurance that covers passengers as well. Just like the driver, the passenger might develop personal injuries from an on-road collision. If a passenger is experiencing a concussion or a broken bone, then your auto insurance could pay for their medical bills. This kind of policy comes in handy if the medical bill happens to be expensive; some personal injuries can incur up to $20,000 in medical bills. Passenger coverage will provide relief, knowing that everybody is covered, not just the driver.

Finding Passenger Insurance coverage in Crystal Lake, IL

To find the right coverage, it’s important that you shop at an insurance agency that offers this kind of policy. At August Vincent Insurance Agency, we design insurance plans that pay for passengers as well as drivers. If you are interested in purchasing an auto insurance plan from us, give us a call at 847-512-7301. You can also contact us at 847-217-2184 or at 847-961-6620 to book an appointment. Feel free to ask about our auto insurance policies. Our agents would be glad to answer any of your auto insurance questions.

Nobody likes being in a car accident, but you can reduce the stress following an incident with the proper steps. Being prepared can make a significant difference from knowing who to call to understanding the insurance claim process. At August Vincent Insurance Agency, we understand the importance of guiding our clients through these challenging situations. Here’s an excellent guide to follow if you have had an auto accident in the Crystal Lake, IL area.

Stay In Your Vehicle

It’s the body’s natural response for your anxiety levels to spike if you’ve had an accident. Make it a point to stay inside the car because it is generally safer. Exiting your vehicle immediately after an accident could put you in harm’s way, especially if there is ongoing traffic or potential hazards nearby. Take a few moments to gather yourself before assessing the situation. If anyone requires immediate medical attention, call 911 right away. Don’t move anyone from their vehicles.

Gather Information

Necessary details like the other driver’s name, contact information, and insurance details are crucial to gather after an accident. Exchange this information with the different parties involved in the accident. Take note of the license plate numbers, make, model, and color of all vehicles involved.

Notify Your Insurance Company

It’s important to notify your insurance company even if you’re not at fault. They will guide you through the following steps and inform you of any coverage or benefits you may be entitled to. Provide them with accurate and comprehensive information about the accident, including the details collected from the other parties involved.

Get More Information About Auto Insurance In Crystal Lake, IL

Contact August Vincent Insurance Agency for a free quote if you want to learn more about auto insurance coverage.

If you’re a ride-share or delivery driver, your insurance needs are unique. Exploring insights into securing the right coverage for your driving ventures is crucial. That’s where we come in – to provide you with insights and tailored insurance solutions that cater to your own specific needs.

Types of insurance to consider:

• Ride-Share Insurance: Specialized policies for specifically ride-share drivers
• Commercial Auto Insurance: Provides coverage for both personal and business use of your vehicle.
• Liability insurance: accidents you might cause while ride-sharing or delivering goods.
• Uninsured/underinsured motorist coverage: Provides coverage if one ever encounters another motorist who is uninsured/underinsured
• Additional Liability Coverage: Consider increasing your liability to help with any unforeseen accidents

Policy Adjustments

• Be honest with your insurer about your intended use of the vehicle to ensure you have the right coverage.
• Different insurance policies come with various deductibles and premium costs.
• Carefully review these aspects to find a balance between affordability and coverage.

Gap Coverage

• Gap coverage is helpful for drivers to fill in the gaps that exist when transitioning personal and commercial use of a vehicle.
• Follow safety guidelines provided by your ride-share or delivery company to reduce the risk of accidents and claims.
• Safe driving habits can lead to lower insurance premiums.

 August Vincent Insurance Agency serving Crystal Lake, IL

Are you ready to pick your insurance type for your ride-share or delivery riding experience?

Here at August Vincent Insurance Agency serving Crystal Lake, IL and the surrounding areas, we’re committed to helping you choose the coverage that keeps you, your passengers, and your vehicle safe while you are out on the road. Contact us today and let us be your partner in securing the right insurance solutions for your unique needs. Your safety and peace of mind are our top priorities.

There are plenty of great reasons why motorists need to have adequate auto insurance. If you drive a vehicle in the Crystal Lake, IL area, you can rely on us at August Vincent Insurance Agency for your auto insurance coverage. 

The following are three things you’ll like about your auto insurance policy:

Auto insurance reduces the stress of being a driver.

It can be stressful to be a driver because it’s always possible that you will eventually get in an accident. With auto insurance, you don’t have to worry as much when you’re behind the wheel.

Auto insurance gives drivers more peace of mind and allows them to focus on driving safely rather than on the risk of accident damages.

Auto insurance keeps you out of trouble with the law.

Motorists in Illinois need to know that carrying auto insurance isn’t optional. All vehicle owners in Illinois need to carry an adequate amount of insurance.

You could be at risk of getting a citation if you are pulled over without auto insurance. This could result in harsh penalties like fines and a license suspension. 

Auto insurance minimizes the financial loss you experience because of auto accidents. 

You’ll probably end up in much better financial condition after being involved in an accident if you carry insurance. This is especially true if you are held liable for accident damages or you get in an accident with another motorist who is not carrying any insurance coverage. 

Reach Out To Us

Find an auto insurance policy that you love with our help at August Vincent Insurance Agency. We’re a great option when you’re looking for an auto insurance provider that insures drivers in Crystal Lake, IL.