Tips & Resources
Coverages
TL;DR: RV insurance includes standard coverage like liability, collision, and comprehensive options. Full-time RVers can add personal liability, personal belongings protection, and emergency expense coverage. Illinois law requires minimum liability for motorhomes, while towable trailers are exempt from separate…
Coverages
TL;DR: Simplifying your car insurance payments is easy with flexible payment plans like monthly, semi-annual, or annual options. Insure on the Spot offers online, mobile, phone, and in-person payment methods, and autopay for added convenience. Pay in full for…
Coverages
TL;DR: Side collisions (T-bone or broadside crashes) are among the most dangerous car accidents, often resulting from driver errors like running red lights or failing to yield. These accidents are particularly risky because of limited protection on the side…
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773-202-5060Safety
TL;DR: Seatbelt safety is crucial because seat belts dramatically reduce the risk of death or serious injury in a car crash – by about 50% – and prevent you from being ejected from the vehicle. In fact, seat belts…
Safety
TL;DR: Wearing the proper scooter safety gear, including a helmet, gloves, sturdy jacket, long pants, and closed-toe shoes, is crucial for protecting yourself from serious injuries. Even low-speed falls can lead to head trauma or road rash, so always…
Coverages
TL;DR: Yes, RV rental insurance is typically required. You need at least the state’s minimum liability coverage, and if your personal auto policy doesn’t extend to the rented RV, you’ll need to purchase separate insurance through the rental company…
Claims
If you’re in a car accident in Illinois that involves injuries, death, or over $1,500 in property damage (or over $500 if an uninsured driver is involved), you’re legally required to report it. Call the police immediately from the…
Maintenance
TL;DR: Yes, in many cases, repairing cosmetic damage is worth it to preserve your car’s value, prevent rust, and keep it looking its best. Small issues like scratches or dents may seem harmless but can lead to bigger problems…
Safety
What to Do If Your Vehicle Starts to Skid TL;DR: If your car starts to skid, stay calm, ease off the accelerator, and gently steer in the direction you need to go. Avoid slamming the brakes, as sudden braking…
Coverages
TL;DR: Buying your first car is an exciting journey that involves five key steps: (1) setting a realistic budget and choosing the right vehicle, (2) deciding whether to finance or pay in cash, (3) checking the car’s condition with…
Safety
TL;DR: Every rider must wear the big five pieces of motorcycle protective gear: a DOT-approved helmet, a reinforced jacket, durable gloves, armored pants, and over-the-ankle boots. These essentials dramatically reduce the risk of life-threatening injuries. For example, wearing a…
Coverages
TL;DR: Protect your vehicle from flood damage by preparing ahead of time. Park on higher ground, secure comprehensive insurance coverage, and take proactive steps to safeguard your car when flooding is imminent. Chicago’s summer storms bring sudden floods, so…