It is very common that after a tragic car accident occurs, it is discovered that one of the vehicles’ drivers has very little or no car insurance.  If that is the case, the injured persons involved in the crash seek out underinsured-motorist coverage from their own insurance company to compensate for the medical expenses relating to the accident.

The Appellate Court of Illinois faced a case called Columbia Mutual Insurance Company v. Herrin, in which the court had to determine the amount of underinsured-motorist coverage each person could receive from their insurance company.  This can be a very difficult decision, and is one that can be avoided with proper auto insurance coverage.

If you are looking for affordable car insurance, contact Illinois auto insurance agents of Insure on the Spot by calling 1-888-972-SAVE.

On Tuesday, State Senator John Cullerton (D-Chicago) stated that there is a strong possibility of a cell phone ban on its way to the state of Illinois.

It has been illegal since 2005 to drive while using a cell phone in the city of Chicago.  And on New Years Day, the state banned large truck and bus drivers from using a cell phone unless it is hands-free.

Last month, the National Transportation Safety Board made suggestions that cell-phone use both hands-free and handheld should be banned across the country.  State Senator Cullerton said,  ”It’s the distraction in talking to someone that’s not in the car with you. It’s not what’s in your hand, it’s what’s in your head.”  It is unclear when this new law would be added, but driver safety has been a very popular issue amongst the state legislature.

Illinois auto insurance agents of Insure on the Spot recommend a variety of holiday activities happening around the Chicagoland area this holiday season…

“Holiday in the Heights” is a Second City production held at the Metropolis Performing Arts Centre in Arlington Heights.  The show is not recommended for children.  For tickets and information, visit www.MetropolisArts.com

On Dec 22 from 12-6pm, Hanukkah Family Funland will take place at the Buffalo Grove Town Center.  Hanukkah activities, music, entertainment, and prizes abound for the whole family to enjoy.  For details, visit www.hanukkahfamilyfunland.com

The New Year’s Eve Ball held at the Chevy Chase Country Club in Wheeling will begin at 7pm on Dec 31.  The Dick Elliott Orchestra will provide music, and a four station dinner will be served.  Visit www.chevychasecountryclub.com for tickets

Illinois auto insurance agents of Insure on the Spot are pleased to announce holiday events around Chicagoland…

“Breakfast with Santa” at Carpentersville Veterans of Foreign Wars Post 5915 is this Sunday Dec 11.  The fundraiser breakfast will run from 8am- 12pm.  Eggs Benedict and steak and eggs will be served, and activities will be setup for children.

First Congregational Church of Dundee will hold a holiday concert called “A Thrill of Hope,” by Joel Raney with chamber orchestra during services on Dec 11 at 9am and 11am. 900 S. Eighth St. (Route 31 and Angle Tarn), West Dundee.

“Dewey’s Christmas Tail” Puppet Show at Elgin Bible Church is running at 6:30pm on Saturday Dec 10 and 2:30pm on Sunday Dec 11.  “Hands 4 Him” puppet team will put on a fun-filled religious Christmas puppet show. 1580 E. Chicago St. (Route 19) in Elgin.

For more information, visit the Sun-Times website

According to Online Auto Insurance, a new law in Illinois emphasizes the importance of drivers having insurance for damages caused by uninsured motorists.  As it is a requirement in the state of Illinois, it is extremely important that drivers in Illinois inquire about uninsured/underinsured motorist coverage when researching car insurance policies.

Policies for uninsured/underinsured motorists are made to protect drivers in the event they are involved in a collision with a motorist who is either uninsured or whose liability limits are too low and therefore cannot cover paying for damages and injuries.  These policies also cover damages for hit-and-run accidents.

In 2009, the Insurance Research Council estimated that 15 percent of all motorists in Illinois were uninsured.

If you are uninsured and are looking for affordable car insurance, contact Illinois car insurance providers of Insure on the Spot at 1-888-972-SAVE today.

According to State Farm insurance claims data, drivers in the state of Illinois are the 32nd most likely to be involved in deer-car collisions.  West Virginia has the highest amount of car accidents involving deer in the U.S.

Deer-car collisions are the most likely to occur in the month of November and between the hours of 6 p.m. and 9 p.m.  In the year beginning July 1, 2010 and ending June 30, 2011, there were 1.09 million car accidents involving deer in the U.S.

State Farm recommends that drivers look out for deer crossing signs, use high-beam headlights, and recognize that deer travel in herds to avoid hitting deer on the road.

Contact the Illinois car insurance agents of Insure on the Spot at 1-888-972-SAVE today, if you or someone you know is looking to purchase more affordable auto insurance.

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Several cities in Illinois were included in Allstate Insurance Company’s recent “America’s Best Drivers Report.”  The auto insurance provider has been releasing the list every year for 7 years.

Officials at Allstate analyzed car accident insurance claims reported to them by drivers in the 193 biggest cities in the U.S.  Fort Collins, Colorado ranked 1st on the list with drivers in the city averaging an accident every 14 years.

Rockford had the safest drivers of any other Illinois city included on the list.  Rockford was listed at 38th with residents averaging 1 car accident every 10.8 years.  Other cities in Illinois included Joliet (96th), Aurora (112th), Naperville (125th), and Chicago (157th).

If you or someone you know would like to learn more about purchasing car insurance that will better protect them on the road, contact the Illinois car insurance agents of Insure on the Spot at 1-888-972-SAVE today.

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Earlier this month, 4 teenage girls were injured in an accident in the Avondale neighborhood on Chicago’s Northwest Side.

According to Chicago police, the 18-year old driver lost control of the 2007 Toyota she was driving southbound on Elston Avenue near Belmont Avenue.  The vehicle swerved off the road and into a traffic pole.

The vehicle’s driver was taken to Northwestern Memorial Hospital in serious-to-critical condition.  A 15-year old passenger in the vehicle was transported to Advocate Illinois Masonic Hospital with a broken leg.

Two other teens in the vehicle went to St. Mary’s Hospital in fair condition after the accident.

To learn more about purchasing car insurance to be better protected in the case of an accident, contact the Illinois auto insurance agents of Insure on the Spot at 1-888-972-SAVE today.

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Car thefts in the U.S. are on track to reach their lowest level since 1967 due to improved anti-theft technologies.  The FBI attributes a 7.2 percent decrease in auto thefts in 2010 to the increased use and success of anti-theft devices.

Many car insurance providers offer discounts to drivers who reduce their chances of car theft by installing an anti-theft device in their vehicle.  Insurers in Illinois, Massachusetts, Pennsylvania, Rhode Island, New Mexico, Minnesota, Louisiana, Florida, and Kentucky are required to give discounts to drivers with anti-theft devices.

In addition, many insurers in other states will voluntarily give discounts to drivers who install anti-theft technology.

If you or someone you know is looking to purchase more affordable auto insurance, contact the Illinois car insurance providers of Insure on the Spot at 1-888-972-SAVE to learn more.

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