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section 4 illinois insurance code


   








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State farm car insurance question?
My bf was in an accident recently where he was rear ended at a stop light. The other driver was ticketed and no one is contesting the fact that the other driver is at fault. My bf decided to go through the other driver's insurance (state farm) rather than his own so that he wouldn't have to pay a deductible. He needs about $600 worth of body work done. After going through all the hoops, he was told to take the car to a local body shop & that he would be approved for a rental car while it was being repaired. Today, he took the car to the shop, but they told him they won't take it until March 21st (about 3 weeks from now). Until then, they expect him to drive his DAMAGED car. He drives long distances pretty frequently (usually visits me an hour and a half away every week or two) and neither of us are comfortable with the idea of him getting on the interstate in a damaged car. What recourse does he have in this situation? It seems pretty unfair that the accident was someone else's fault entirely and he is going to be stuck waiting almost a month to be put whole again :( I suggested that he call state farm and let them know that he's not satisfied with their solution, but he doesn't think it will get him anywhere. Does anyone have experience with this sort of thing? Thoughts in general?"


Low car insurance adjustment from liable company's adjuster?
There is one issue--previous damage on the bumper that I was not responsible for. I'm not asking them to repair that damage, but the adjuster took lots of pictures of it and probably used it as leverage in his adjustment. The paint is flaking at the new spot of damage, there is a clear difference between the two. Also, I signed nothing when he came out and I haven't done anything with the check. The letter with the check states, You will be responsible for any charges that exceed our estimate"


Will erasing the point by taking traffic school lower my insurance?
I'm 16 and I live in San Diego, California. I recently got a ticket for going 94 in an HOV lane. I know, super bad driving. I keep reading online about how I might be given the opportunity to go to traffic school and that will erase the point on my driving record. But what does that mean? And by erasing the point will it lower my new heightened insurance?"


"What is a good affordable dental, health, car, & life insurance?
for an independent operation income person


Person A driving person B's car and hits my car. Who's insurance pays?
Person A driving Person B's car. Person A backed up into my car. Who's insurance pays? Person A because he was driving? Person B because it's her car? Or my insurance because I have full coverage? What are the consequences if I file through my insurance company? Will my insurance go up even if it's not my fault? I think not but if you know for sure that would be helpful. Any and all information is helpful!! Thanks!


How much does car insurance cost?
I'm an 18 year old male. My GPA in high school was 3.4. No criminal record. I'm going to be driving my mom's Honda Accord 2005. She only got into 2-3 accidents ever. She has Farmers"" Insurance. They never respond when my parents ask them how much insurance would cost me so I figured I should ask someone here for an estimate."""


Which company has affordable homeowners insurance for west pembroke pines area in south florida?
for a average 3/2 1600 sq ft home


No Proof of Car Insurance?
I got a ticket for no proof of insurance, I forgot to pay it, now I must see the judge, I didn't have insurance, yes very very dumb, I know, my question is..will I just be fined or is there jail time involved. I imagine there will be just a heavy penality in fines"


Type 1 Diabetic Health Insurance?
I am a 21 year old college student with Type 1 diabetes. I am going to be released from my parents health insurance policy in about a year, but I do not graduate for 2 years. Can anyone provide some information about health insurance for someone like me? (I live in Oklahoma if that helps any.)"


How much will my car insurance be im 17?
im going to be on with my parents insurance they have state farm and im getting a 2000 mustang v6 how much will insurance be i also live in florida


Affordable health insurance?
I'm nineteen years old and I don't have health insurance. I'm going to be a college student in the fall. I was wondering if anyone had any idea how I could find good, affordable health insurance? Also some help as to how the whole co-pay thing works would help out, too. I used to have a certain health insurance for people from low-income families but they just cut mine off so I need to get some. Thanks in advance!"


How to work with Insurance Company regarding ACV and salvage buy back?
Here is my situation: I recently crashed my 2003 350z and my insurance company just deemed it a total loss. My original plan was to accept the total loss and buy back the car to repair it myself and get a salvage(rebuilt) title. Today, I received a call from my claim rep with Progressive Ins with the numbers regarding the accident. Here are the numbers in approximation as I'm awaiting a breakdown via email. Car Value(tax, registration, etc):$12,400 Deductible:$1,000 Lien Payoff:$8,250 Settlement amount(check to me):$3,170 I requested to purchase the car back to repair myself, and my agent advised: I would need to first pay down my lien by about $2,250. Once the payment posted, they would then complete the payoff of the lien and I would be able to get my car back. So, basically, they are wanting over $5,000 for me to purchase this car back, which is over 40% of the car's value. I feel this number is a little high and originally expected to be able to at least have the lien and deductible paid, and just receive the car back with little or no cash in addition to the car. After hearing this information, I became frustrated and let the rep know that I would need to think about how I wanted to continue. After doing some research online, I was able to locate where the car was(never advised). The car was towed directly to an Insurance Auction company in Phoenix, AZ. While looking for information regarding this company, I was actually able to locate my car on their web site ready for auction with a start date of TBD, awaiting certificate. This was posted on their site yesterday, a day before I received any information regarding my claim. As mentioned, this was declared a total loss and I was able to obtain the repair summary, and every part listed on their paperwork was highly overpriced based off my part research. Their web site also stated that the car did not start, but since the accident on last Thursday, 03/15/2012 and every single day following, I started the car and it started without a hitch, even on Monday, when I left the key in the car for the tow company to get the car. The car also has a lot of aftermarket(performance) parts installed on the vehicle. So, how would I find out if the value of the car included these parts in there figures? If it wasn't figured into the pricing, or the payout amount for the premium parts is not very much, I can opt to remove and replace these parts with stock or acceptable parts. For instance, I have a cold air intake, full adjustable coil over suspension with camber kits, (4) Work Wheels and Nitto Invo tires, full cat-back single exit exhaust, and premium sound system. Obviously, if these were not figured in to the pricing, how would I go about adding these, or would it be better to just remove and replace these with stock or acceptable replacements? Is there anyway to get the buy back price down? Or if that is not an option, would my additional GAP coverage work in paying the $2,200 to the lien holder so I could buy back the vehicle within the limits of their settlement offer? Regarding the starting of the vehicle, like I mentioned, it was fired up everyday until it was towed, and now it states that it doesn't start? How would one go about investigating this? Is it worth it to try and hire a third party appraiser and/or mechanic to price out the repair and the worth of the vehicle in it's current state with all the parts? I understand the reasoning behind totaling the car, but I don't quite understand their valuing of the car, and the amount they want me to pay to buy back the vehicle? How should I move forward, who should I contact, and what would be the best plan of action in this situation? I'm thinking that removing the aftermarket parts and replacing them with oem or acceptable replacements would be the first step, as I would make more money on selling the parts private party than having them remain on the car with the current values. I'm very stressed out and I'm really unsure on how to move forward with my Insurance company. I understand that they are trying to pay out as little as possible, but it's my insurance company who claim to be on my side. The value of the car they provided would be acceptable with the car was bone stock, but it's not. Can anyone please help me with this situation? It would be greatly appreciated and any advice would help greatly! I should also note that I also had a total loss last year with the same Insurance company and it was handled very differently. The car was taken to an actual reputable body shop for the appraisal, and the value of the car was higher than blue book and also had aftermarket parts. This was an 2006 Ford Focus ST (SAP) with 73,000 miles. They even offered the buy back option at 20% of the ACV, and with my current 03 350Z, they want over 40% of the ACV for the buy back. PLEASE HELP Thanks!"


Do Muslims pay more for insurance?
I live in Slough, Bucks. My car insurance is very expensive due to where I live. Some insurance companies wont even provide insurance at all in my area. I looked at a map at an insurance brokers that showed high risk areas and I have noticed that the high risk/expensive areas happen to have a high Muslim population. Are the government aware of this."


If my 17 year old son moves to another state will my medical insurance still cover him?
my son is planning on moving to california and he is a type one diabetic. so im wondering if he's in another state than i am if my insurance will cover him.


How can I Secure Life Insurance Policy on a Deadbeat Dad?
ADDENDUM: I should add that I *KNOW* I can't take out a policy without his concent, but if I lay the offer on the table to waive 16 years of unpaid child support, unpaid clothing allowance, unpaid health care on the table - when he's eyeball deep in the same for 3 other kids - I'm sure he'd sign anything I wanted him to. He'd be fool not to."


section 4 illinois insurance code



Affordable health insurance?
I am a 40 yr old female who lives in washington state and I have never been sick or in the hospital and never drank or smoked.I am 4ft11 and 160 lbs so I am overweight.I need help in finding some affordable health insurance.I went down today to apply for washington basic health and they told me that no more applications were being taken.Now what do I do.I cannot afford exspensive Health insurance.I only make 1,200 a month if that.I need insurance so I can get a physical witch I have never had.I haven't been to a doctor since a kid.can someone tell me if there is any good health insurance for under 100 a month that covers things like physicals and if I had a heart attack,stroke ect...please help me find a good insurance for a low price."


How much roughly will it cost me to get insure on a Volkswagen Golf?
I'm a 17 year old boy, just wanting a ROUGH ESTIMATE on how much it will cost me to get insured on a Volkswagen Golf 1.8 litre."


Which would you prefer: A) your health insurance company tell you that they're not going to cover...?
Which would you prefer: A) your health insurance company tell you that they're not going to cover your expensive cancer treatment? or B) your health insurance company lie to you and tell you that you don't have cancer?


Who sells auto insurance for $300 per 6 months for CO?
Senior, perfect driving record, recent driving course, excellent credit rating, lives in 80104 Colorado. Retired and drive approximately 10 miles per week."


How much for an 18 years old car insurance?
I will be turning 18 in august, and i was just wondering how much my car insurance will be. I have to wait till august to get my license, My GPA is about 3.50gpa, I'm planning on buying a used scion tc. Can someone give me a estimate how much i have to pay for 6 month insurance?"


Will an insurance company know if I leave another insurance company without paying?
I am actually on my mom's policy, (we split the bill) and we are unable to come up with all the money they want(two months payments) totaling $1200.00. today is the cutoff day on our insurance now. she told me just to go to a different insurance company. her name is the name on the insurance we have now, so i don't think they will find out, or will they? please help!"


Will my insurance go lower if i buy a older car?
I currently drive a 2003 honda civic coupe and i was wondering if the insurance will be cheaper if i traded it in for a 1998 maxima sedan?


"Millions of uninsured bracing for Obamacare fines. Which is worse, this or the crew of the USS Yorktown waiting to be sunk off of Midway Is?"
These massive penalty fees (TAXES that Obama disguised like spinach in a kid's meal) are ready to kick in to devastate innocent Americans. Jonathan Gruber recently described how he and Obama tricked the people, so that they'll now have a bigger problem feeding their families. We thank you Obama voters, the biggest betrayers this land has ever known, and the biggest suckers, in addition. The closer Obama gets to the end of his term, the worse this is going to get and the more he will be laughing up his sleeve. Beautiful, just beautiful, and i hope you're happy. WE TRIED to tell you all along, but you just had to have your dear Obama, with his sweet smile, his lies and his schemes.."


"How much is home insurance in Northbrook, Il Zip: 60062?"
How much is home insurance in Northbrook, Il Zip: 60062?"


What if I don't want to pay for car insurance?
I think its wrong that we are forced to pay for car insurance, what if we didn't have to? Assuming I never get it any crashes, I don't want to pay all my life to make sure that some drunk driver gets his car fixed."


How much does it cost a 16 year old to insure a Jeep Wrangler?
Hi; I'm a 16 year old girl as of next month and I'm looking at cars. I'm trying to find a car that is good on gas, cheap to insure, not too expensive to buy, and not an embarrassment to drive. The three cars I am looking at right are the Jeep Wrangler, the Dodge Stratus, and the Dodge Neon. I tried to get a quote on the three and was surprised, (Especially at the Neon) to find that I would be paying over 100 dollars for each of them, monthly! Am I looking at an illegitimate quote or is it really that expensive to insure these cars? What kind of numbers SHOULD i be seeing, reasonably? Thanks"


Hi how much does it cost for a moped licence in spain and how much is insurance?
im 15 and i know you can get a licence at 14. do you have to take a test?


"If a child or teen commits suicide, does their parent(s) get their life insurance money?"
If a child or teen commits suicide, does their parent(s) get their life insurance money?"


With car Insurance is the driver or car insured?
This may be common sense to some of you but I need help with this one and I am having problem's finding the answer online. I was in a car accident this morning, I have insurance on my car. I just finished working on my Jeep and was running to the store with that when the accident happened. The jeep is not on my insurance because it has not been running until a couple of days ago but both the car and jeep are in my name. SO, am I an insured driver or is it just the car that is insured?? Thanks for any help on this matter!"


Where can I get affordable dental insurance?
Where can I get affordable dental insurance?


section 4 illinois insurance code



1991 Nissan 300zx twin turbo insurance prices?
I'm 16, I know it'll be a ****-ton of money, but I have a pretty well paying job, anyway, I'm 16, it's a 1991 Nissan 300zx twin turbo, I make As Bs and a few Cs in school, no police record, not on drugs, dont smoke, come from a mid level income family, any ideas? I've heard it will be around 4 or 500 a month, is this true? Just an estimate would be great, thanks guys!!"


Is There A Way Of Finding Insurance Prices Without Owning A Car In The First Place?
Ok ill explain it better here. I'm after a car but i will need to know how much the insurance is for different cars. So for example if i wanted a car in insurance group 2, could i find out how much that specific car and insurance group would be for me? I know there's go-compare and all the other comparison websites but they are expecting you already have the car and just need to insure it. I need to know the prices before i get a car so i know i will have enough! Help please? Cheers"


I accidentally gave someone expired insurance info!?
I live in Iowa and I got into an accident (my fault) and I accidentally gave the person expired insurance info. I already pulled off and she has my info but I didn't get hers. I went back but she was already gone. What do I do?


Would it be cheaper to put my name on my parents insurance ?
would it be cheaper to put my name as an additional driver instead of my own as i got the cheapest quote as 3000 euros for my own policy would it be cheaper to put my name as an additional driver on theres? my parents have 25-28 years experience with no claims ?


I want to transfer the cars title to my name?
My uncle gave me his car but it is from illinois he gave me the title but it is also from illinois and it is under his name. I live in texas and i need to register the car under my name. how do i do that. I also need to get texas licence plates ASAP. what do i have to do and about how much would it cost. I have a 2008 Chevy Cobalt


Best answer -10points!HOME INSURANCE FOR HAVING A MUTT?! HELP.?
I have a pitbull/rottweiler mix and I'm going to get his registered how much will it raise my home insurance I googled it and can't find it ?


Should my car insurance have been suspended?
Hi guys Basically,my car was written off just before Christmas,and yet despite contacting my insurance company,they continued with the policy.I haven't had a car for the last 6 months and so have effectively lost the last 6 months of car insurance.It was paid for in full at the start of the policy and so I am obviously not happy. Any help would be greatly appreciated-need to know how to complain (if I have any right to) and generally what to do next.Thanks"


What car insurance do u have and how much do u pay?
my mom and my brother have progressive i think i might be in there too but the bill came over $2,000....we don't even make close to that much a month"


Can I buy 1 month worth of car insurance?
What do you mean a 1 month payment?? Would that mean I'd have to pay the other 11 months?


Question about state health insurance in georgia?
Im moving from Massachusetts to Georgia in march. My work doesn't offer insurance so we are on commonwealth care. Its state insurance. Im trying to find out if there is state insurance in ga as well iv got children and need insurance for them. Im not sure if the job im taking will offer some but in the mean time I need something. Can someone tell me if they have state health insurance or some type of low cost for low income? Thanks.


Does the price of a car affect the cost of insurance?
Does the price of a car affect the cost of insurance?


Cost of Car insurance for new driver 30yr old Female?
I live in the uk


Getting into an accident without a license or insurance?
Happened in a parking lot . Happened over a year ago no police report was made. License was already suspended for a year.. I suppose my sister will have to go to court but what are the more likely consequences . Could the suspension be extended after court ?


Should I get Car Insurance before I get my N?
My parents want me to get a car, and insurance for that car. So i can learn on it and get My N. They wont teach me on their car. But you see. I think it would be a waste of money to get insurance for my car considering I would be learning on it maybe once a week. And for three months of insurance, it is $400. Honestly, I think it would be best to take lessons, get my N, then get a car and insurance. But I wanted another opinion. Any advice you can offer would be great. Thank You!"


My car was registered to an insurance company?
I bought a car about 2 years ago from a private owner. I just stumbled onto a free VIN report and it says the car was leased then titled to insurance co. No accidents though. Does this merely mean repossession or possible accident?


section 4 illinois insurance code