Coverages

If you are an Illinois driver looking to establish insurance coverage for a car, truck, motorcycle, or other vehicle, the experienced insurance agents of Insure on the Spot are here to help you find a low-cost policy that fits your needs. When it comes to car insurance, there are many different types of coverage options available to you, including:

Bodily Injury Liability

This type of coverage protects you if another person is injured or killed in an accident while you are operating your vehicle. It also provides for legal defense if a lawsuit is filed against you.

Property Damage Liability

If another person’s property is damaged in an accident, it is important to have property damage liability protection to help pay for damages and legal defense in the event of a lawsuit.

Uninsured Motorists Coverage

Due to the alarmingly high number of uninsured motorists on the road, it is important to protect yourself against injuries caused by an uninsured driver.

Medical Payments

Covers medical expenses incurred by the injured driver and passengers inside the car.

Comprehensive Physical Damage Coverage

Pays for damage to your vehicle caused by an event other than collision, including theft, vandalism, fire, and flood.

Collision Coverage

If your car hits or is hit by another vehicle or other object, collision coverage will pay for damage to your car.

Rental Reimbursement

If your vehicle is rendered inoperable in an accident, you will be reimbursed for costs associated with renting a vehicle while your car is repaired. (Be sure to look at your rental reimbursement agreement to see limitations and cost-limits).

SR-22 Insurance

Persons who are considered to be high-risk drivers may be required to carry SR-22 insurance coverage, and persons who are looking to reinstate their drivers’ licenses may be required to provide proof of SR-22 coverage before they can legally operate a motor vehicle.

Contact Us

For help securing the insurance coverage you need, whatever your driving record may be, contact the Illinois insurance professionals at Insure of the Spot today at 1-888-972-SAVE.