422 N. Northwest Highway Suite 170 Park Ridge, IL 60068

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Jeff Vukovich Insurance has been serving Park Ridge IL and all of Illinois for over 25 years. We are committed to providing you with the best experience.

For some people, insurance policies can be complex. There are many situations where policyholders aren't sure what their agency does or doesn't cover. That's why Jeff Vukovich Insurance Agency takes customer education seriously.

We want you to have the up-to-date information to make an informed choice. This is why we've compiled answers for a list of questions we frequently get from many clients. So let's look at the finer points of auto insurance in Illinois. 

Does Insurance Cover Your Car if Someone Else Is Driving?

Not always.

For car accidents, most people would think that the driver is responsible for their driving and the damages they might cause. It's natural to assume that they will cover the charges when a person causes a car crash. However, car insurance in Illinois is more complicated than that.

There are a few situations where you may be responsible for injuries and property damage, even if a different person had your car at the time. In quite a few cases, drivers can find themselves accountable for car trouble that occurred when they were nowhere near the vehicle. So let's cover some of these cases.

  • Your Child Was the Driver

In Illinois, the law can hold parents responsible for their children's acts when they damage others' property or person. For your auto insurance, this means that insurance will cover the damages if your child is driving. Whether the incident involves multiple cars, damaged property, or injuries, this may be a potential area that's covered. So, if your teenage child gets caught in an unfortunate situation on the road, a comprehensive cover will take care of them and the affected parties.

  • Someone From Your Household Was the Driver

Most auto insurance policies will cover all the drivers in your household. This is because, often, multiple drivers share cars from the same home. On the plus side, this means that your car insurance provider is providing you with more coverage. On the other hand, though, it means that you may be contacted and involved in resolving damages that you did not cause. So, for example, if someone from your household is involved in a car accident, your policy may cover the damages.

If this requires additional out-of-pocket fees, this can be a concern. For the recommendable car insurance in Illinois, reach out to a trusted agent and avoid these kinds of situations.

  • The Driver Was Your Employee

When your worker is required to drive to complete on-the-job duties, the state of Illinois holds you responsible for their activities behind the wheel. With the right kind of auto and business insurance, you can be sure that you will not have to pay excessive out-of-pocket fees for such an unfortunate event. Speaking to an agency representative about the ideal policy solution is especially important if you are a sole proprietor.

<h2><b>How Does Insurance Work if Someone Borrows Your Car?</b></h2>

How Does Insurance Work if Someone Borrows Your Car?

When you have auto liability insurance, it will follow the vehicle. The policy covers the person as long as the driver is permitted to use the car.

Complications can come along when defining what a permissible driver is. Depending on the policy, the range of people permitted can change. This is why it's essential to talk things over with your insurance representative before signing. Jeff Vukovich Insurance Agency believes in giving all our clients thorough consultations. So, we make sure that you know exactly who your policy will cover or not.

If, after working with your agent, you settle on a policy that allows friends as part of the cover, then you don't have to worry about loaning your car.

Does the Law Require Car Insurance?

At both the federal and state levels, the law requires car insurance. This means a road-worthy car must have insurance. The reason the law requires insurance is public interest. Therefore, it is in the best interest of drivers and pedestrians to have protection in the event of a crash.

What Do I Need for Car Insurance in Park Ridge, IL?

According to the state government, you'll need liability insurance for a few things to make sure that your car insurance is compliant –

  • A minimum amount of $25,000 for the injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
  • $20,000 for damage to property of another person

Auto insurance: required and additional protection

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

  • Liability
  • Collision
  • Comprehensive

But additional protection may include:

  • Medical Payments.
  • Emergency Road Service

Uninsured Motorist Protection.

Why We're Different

Are you worried about whether your current policy is compliant? Reach out to Jeff Vukovich Insurance Agency, where we make sure that every policy is up to date and fully compliant with the law.

Buy your auto insurance in Illinois today by contacting us or calling (847) 825-4783.