Need Car Insurance, Get It in Chicago

Automobile accidents happen, even to the most careful drivers. Having a car insurance Chicago policy helps to cover the costs associated with medical assistance and vehicle repair or even replacement in the event of an accident in Chicago. Insurance of any sort; car, home, business, etc. is akin to a firewall. Insurance is something that protects you from disaster.

Car Insurance Is for Financial Protection

If you carry personal liability and property damage (PLPD) insurance for your car, there is a good chance you will never file a claim. If your car is damaged in an accident, you will have insurance, but it will not cover any repairs. It is logical that you might think your policy is worthless, but it is not. Although PLPD does not cover damage to your vehicle, it does provide protection in other areas including injury to others and property damage.

Personal liability and property damage insurance protects you against a lawsuit. If you were found to be the at-fault driver, the injured party would demand compensation. If you did not have car insurance, you are responsible, and damages will have to be paid from your pocket. Illinois, like most states, requires that all drivers have at least PLPD insurance.

Car Insurance Pays for Damage to Your Car

Depending on the coverage you opt for, car insurance can pay for any damage to your car in the event you figured in an accident. A car costs a lot of money. Protecting it is wise. Both comprehensive and collision insurance protect you in the event your car is damaged. However, there are rules regarding what is covered and what is not.

  • Comprehensive insurance covers everything, other than damage from an accident. Comprehensive includes fire, theft, vandalism, etc.
  • Collision protects you in the event you are involved in an accident. The collision can be with another vehicle or an inanimate object like a tree or utility post.

Car insurance is for accidents and accidental occurrences. It does not cover wear and tear or mechanical repairs other than those covered under your comprehensive policy.

If you want an instant quote on car insurance, get it from Accurate Auto Insurance in Chicago. Visit for more information.


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