American Auto Insurance

The costs associated with property damage liability coverage depend on numerous factors, including your driving history and the state you live in. Which insurance company you buy your liability coverage from will also affect the cost.

You need an SR22 car insurance policy if your license has been suspended or revoked because you were driving without insurance. To reinstate your driver s license, the secretary of state s office requires you to have an SR22 policy with at least minimum liability coverage.

An SR-22 bond is an official document that most states, including Illinois, require for high-risk auto insurance policies. Also called a Certificate of Financial Responsibility, the SR-22 form verifies a high-risk driver has obtained car insurance that meets the state s minimum requirements.

Wherever you are in Illinois, our team is ready to work with you. We serve customers in areas ranging from Champaign and Springfield to Arlington Heights and Peoria. You can even contact a representative specific to your area for the personalized service you deserve.

No states require drivers to maintain comprehensive coverage on their auto insurance policies. However, when you borrow money to buy a vehicle or enter into a lease agreement, the lender may require this type of coverage as part of the terms of the deal. Requiring this component of coverage protects the lender's investment in case the car sustains major damage and is deemed a total loss or someone steals the car and it's never recovered.

Comprehensive auto insurance covers damage incurred to a vehicle that other coverage options don't include, such as theft or vandalism. If the car sustains damage due to exposure to a heavy hailstorm or fire, this component of the insurance may cover repairs or replacement of the vehicle up to its cash value. Nearly all comprehensive components of an insurance policy include a deductible, or an amount the policyholder pays out of pocket before the insurance policy pays.

Illinois state law requires drivers to have 25/50/20 coverage. As an Illinois driver, your policy should provide $25,000 in bodily injury liability per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability per accident after your deductible.

Most bodily injury liability policies provide coverage for the following: Medical expenses and hospital bills. Legal expenses related to the accident. Lost wages resulting from accident-related injuries. Funeral expenses.

In general, the following people should be listed on your car insurance policy: Licensed family members living in your household, unrelated licensed drivers living in your household and anyone driving your vehicle regularly.

An SR22 form is a financial responsibility certificate that is filed with the Secretary of State’s Office.

Your client code is on your invoice. If you have trouble finding it, you can always call our office. Drive safely and thank you for your question.

Thank you for your question, we have a few locations in the Rockford area. Please feel free to call us at 773-286-3500, for the nearest Rockford location.