http://www.insurancenavy.com/blog/View Auto Insurance's Website Blogen-uspostmaster@www.insurancenavy.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:65b24f50-12cb-474d-8e99-5fb1e390db8durn:uuid:5abd462f-bd44-4005-9705-91215f0aad0fEarthquakes are clearly capable of causing tremendous damage to people's homes and properties. Earthquakes can cause the following damages: 1. Risk of structural damage and collapse. 2. Earth movement&nbsp; may cause flood and water damage due to bre...Sun, 12 Feb 2012 01:36:44 -0600Earthquakes are clearly capable of causing tremendous damage to people's homes and properties. Earthquakes can cause the following damages:<br /> 1. Risk of structural damage and collapse.<br /> 2. Earth movement&nbsp; may cause flood and water damage due to breaking water mains.<br /> 3. Risk of fire because of rupturing gas lines.<br /> <br /> Although most people expect their homes to be covered for the perils listed above, the truth is that homeowners insurance policies generally exclude coverage for earthquake related losses. Modern homeowners insurance policies exclude losses resulting from earth movement which refers to the quakes, landslides, sinking and volcanic eruptions. Limited coverage might be provided&nbsp; by homeowners policies for losses that are strictly attributed to fire or water damage in the event of an earthquake. For example, if two similar homes are insured under regular homeowners insurance,&nbsp; and an earthquake hits the neighborhood. House A suffers massive fire that totals the entire house, but no collapse. In that case the insurer may end paying for the entire loss. House B suffers minor fire damage but a total collapse. In this case the insurer may only pay for the minor damages resulting from the fire, and not the collapse of the structure. <br /> <br /> Concurrent Causation<br /> Decades ago many courts awarded damages resulting from earthquakes on the base of 'concurrent causation'. The practice was heavily used in the early part of the 20th century in the San Francisco area.&nbsp; Almost all companies are specifically excluding all damages, directly or indirectly related to earthquakes, including items that can be attributed to damages of concurrent causation.<br /> <br /> Earthquake insurance is not required by banks and financial institutions offering loans to home borrowers. Homeowners insurers place more emphasis on other perils such as fire, water damages, etc. <br /> <br /> Cost of Earthquake Insurance<br /> Cost of earthquake insurance depends on the area in the country. For example, the Federal Emergency Management Administration identifies certain parts of the country as high risk, while other parts as lower risk, For that reason, earthquake insurance in Missouri (low risk area) is much cheaper than California (higher risk).<br /> <br /> Most earthquake insurance policies are costly because they are normally demanded by people who or when people think that earthquake insurance is very much needed (hence there is a belief that an earthquake is eminent).urn:uuid:b74abc04-fc41-4df0-8187-406848c33170<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg' align='left' />Business Owners Insurance Policies for Illinois and Indiana. Auto Body&nbsp; Shops Auto Repair Shops Apartment Building Insurance Banquet Halls Insurance Car Washes Insurance Church Insurance, Insurance for Churches, Synagog...Sat, 11 Feb 2012 23:46:37 -0600<strong>Business Owners Insurance Policies for Illinois and Indiana.</strong><br /> <ul> <li>Auto Body&nbsp; Shops</li> <li>Auto Repair Shops</li> <li>Apartment Building Insurance</li> <li>Banquet Halls Insurance </li> <li>Car Washes Insurance</li> <li>Church Insurance, Insurance for Churches, Synagogues and Mosques and Other Places of Worship</li> <li>Condominiums Association Insurance </li> <li>Contractors Liability Insurance, Including Plumbing Contractors Insurance, Heating Air Conditioning Contractors Insurance, Handyman Insurance, Electric Contractors Insurance, Construction Contractors.</li> <li>Contractors Bonds, All Types</li> <li>Convenience Store Insurance</li> <li>Day Care Insurance</li> <li>Gas Station Insurance, including Full Service Gas Station Insurance &amp; 24 Hours Gas Stations Insurance</li> <li>Grocery Store Insurance</li> <li>Head Start Insurance <img alt="" style="border: 5px solid #000000; float: right;" src="/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg" /></li> <li>Motels- Franchised Motels Insurance and Non Franchised Motels Insurance</li> <li>Liquor Stores Insurance Including Liquor Liability (Dram shop Insurance)</li> <li>Medical, Dental Centers Including Labs, Mobile MRI and X Ray Machine</li> <li>Nightclubs Insurance, with and without live entertainment </li> <li>Pharmacies Insurance, Including Pharmacist Professional Liability Insurance</li> <li>Restaurant Insurance, Including Fast Food Restaurant Insurance and Family Style Restaurants Insurance, White Tablecloth Restaurants</li> <li>Security Guard Insurance</li> <li>Small Business Insurance </li> <li>Taverns Insurance</li> <li>Tow Truck Insurance</li> <li>Trucking for Hire, Long Haul, Intermediate and Local, Including Cargo Insurance and Trailer Interchange Insurance</li> <li>Used Car Dealers Insurance, Including Dealer Physical Damage and Car Dealership Bond</li> <li>Vacant Property Insurance</li> <li>Workers Comp Insurance</li> <br /> <br /> Insurance coverage for Illinois paper contractors or general contractors are offered through several admitted and non admitted insurance companies. The agency offers (1) Contractors Commercial Liability, (2) Contractors Workers Compensation, (3) Contractors Installation Floater Insurance, (4) Contractors Property, Equipment &amp; Tools, (5) Commercial Autos for Contractors, and many other coverages.<br /> <br /> We offer the following coverages: Paper and General Contractors, Carpentry - Interior or Exterior, Commercial and Residential, Concrete Construction - buildings and dwellings;Door, Window or Assembled&nbsp; Millwork Installation; Drywall or Wallboard Installation; Electricians; Fence Erection Contractors; Floor Covering Installation; Furniture &amp;&nbsp; Fixtures Installation; Glass Dealer- Glazier; Heating and Air Conditioning Systems; Interior Decoration; Janitorial (Commercial &amp; Residential); Landscape Maintenance &amp;&nbsp; Gardening; Masonry - Residential &amp; Commercial; Painting - Interior &amp; Exterior, Residential and Commercial; Plastering or Stucco Work; Plumbing - Commercial &amp; Residential; Sheet Metal; Siding and Gutter Installation; Sign Erection, Painting &amp; Lettering;&nbsp; Swimming Pools - Installation &amp; Maintenance; Satellite Dish Installation, Service or Repair; Tile, Stone, Marble, Mosaic or Terrazzo - Installation and <br /> Repair; Upholstery - Residential and Commercial.<br /> </ul>urn:uuid:68f73878-7ac6-42a6-aaf8-eb381d401f25 The history of vehicle insurance in the United States of America goes back to 1925 when the State of Connecticut was the first Sate to impose some financial responsibility statute, followed in the same year by Maine. Connecticut was looked at by man...Sat, 11 Feb 2012 23:43:11 -0600<h2></h2> <div style="text-align: left;">The history of vehicle insurance in the United States of America goes back to 1925 when the State of Connecticut was the first Sate to impose some financial responsibility statute, followed in the same year by Maine. Connecticut was looked at by many as the home of the insurance business, and Maine was the pro-consumer State. The next state to enforce mandatory car insurance was New York, in 1956. When mandatory auto insurance law in Illinois went it to effect in1990 there were several other States that look at auto insurance as an option, rather than compulsory. Even in States where insurance was an option, suspension of driver's licenses as a result of serious violations and mandating insurance for drivers who had accidents without auto insurance were not uncommon through some auto insurance laws known as 'future proof &amp; security' laws.<br /> <br /> <h2> Illinois Automobile Insurance</h2> Mandatory auto insurance in Illinois went in effect on January 1, 1990. The Illinois auto liability laws made it mandatory for all registered motor vehicles to have a minimum level of liability insurance coverage. According to the law, Illinois liability insurance is required for all registered motorized autos that &nbsp;display license plates and that use public streets and highways. This include all personal and commercial cars, SUVs, vans, motorcycles, recreational vehicles, trucks and buses. &nbsp;Exempt from insurance laws are trailers and other vehicles that do not require registrations.<br /> <br /> Illinois auto liability insurance laws are met if you have car liability insurance with the following minimum limits: $20,000 bodily injury coverage per person, $40,000 bodily injury coverage per accident, and $15,000 property damage coverage per accident. Auto insurance policies in Illinois must also contain a minimum uninsured motorist coverage of $20,000 bodily injury coverage per person, $40,000 bodily injury coverage per accident. Other States adopted different variations of these limits. People who are concerned about the personal or business wealth and assets are encouraged to take higher auto liability insurance limits.<br /> <br /> <h2> Driving Without Auto Insurance in Illinois</h2> Operators who drive cars without auto liability insurance in Illinois will receive a fine of up to $500 for first offense. Higher fines are awaiting repeating violators, including license suspension. Furthermore, if the State's computers arbitrarily chooses your car, you will receive a survey demanding you to list the name of the car insurance carrier and you car insurance policy number. The information you provided will be confirmed with the insurer you list. If it was determined that you did not possess liability insurance at that time or &nbsp;for any reason failed to send back the questionnaire completed with the requested details, a suspension will incur to your license plates, and a fine will be due to reinstate it.<br /> <br /> <h2> Financial Responsibility Insurance in Illinois, SR22</h2> Illinois SR22 is a instrument by which the State can keep an eye on the insurance status of problematic drivers with history of violating the law. Problem operators are required to file a proof of SR22 (SR22 certificate) for the continuation of their driving privileges where those privileges will be suspended with an SR26, or the cancellation of the SR22. Illinois SR22 minimum coverage limits are similar to the auto insurance policy limits stated above. People with regular insurance can request their carriers to file their regular auto insurance policy and get the SR22 certificate, or they can purchase a non-owner SR22 insurance policy, in the event that they do not own any vehicle. Some carriers do not offer SR22 filing. People are encouraged to pay their SR22 insurance payments in timely manner, as any cancellation of SR22 coverage will be immediately reported to the State, resulting in immediate suspension of the driver's license.<br /> <br /> <h2>SR22 for Unlicensed Drivers</h2> Individuals who have violated the law but were never issued driver licenses before may still be required to provide proof of Illinois SR22 as a condition for issuing them driver's license. In that case, the individual will be provided a driver's license file number under which the SR22 needs to be filed.<br /> <br /> <h2>Auto, SR22 and Non Owner Insurance in Chicago</h2> Auto, SR22 and non-Owner insurance shoppers in the Chicagoland area are fortunate to have an abundant number of competing insurers who are willing and ready to process their coverage at affordable rates. Most companies will report Illinois SR22 filing online to the State in 3 business days or less. You can obtain an instant Illinois SR22 insurance quotes, instant car insurance quotes or instant non-owners insurance quotes in few minutes on this website.<br /> <br /> Car insurance rates in Chicago are considered among the lowest auto insurance rates in the nation because of several factors including the lower liability limits mandated by the law, large number of insurers competing based on price, larger market size (better economy of scale for carriers), better driving safety measures, etc. However, it seems that the State of Illinois is still moving in the average zones when it comes to uninsured motorists.&nbsp; Twenty years after making the auto liability insurance mandatory in Illinois, the percentage of uninsured drivers in the area remained around 16% of all motorists.</div>urn:uuid:8a5e3bec-b8d5-46a8-a8ce-00abeb2a93ce<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Illinois-flood-insurance-rates.jpg' align='left' />by Ed S. Flood Insurance Expert in Chicago Illinois Homeowners insurance covers a particular policyholder against many potentially disastrous perils. But as anyone who has made a claim for losses after a hurricane knows very well, regular homeowners...Sat, 11 Feb 2012 01:58:43 -0600by Ed S. Flood Insurance Expert in Chicago Illinois<br /> <br /> Homeowners insurance covers a particular policyholder against many potentially disastrous perils. But as anyone who has made a claim for losses after a hurricane knows very well, regular homeowners insurance does cover flood damage.&nbsp; To be properly covered against the consequences of a flood loss, a special coverage offered by the NFIP or the National Flood Insurance Program is necessary.<br /> <br /> The Federal Emergency Management Administration, FEMA, is the organization that administers that NFIP. FEMA determines the terms and conditions of the flood policies as well as the premiums. While insurance agents may sell insurance policies directly sold by the NFIP, private insurance carriers may be able to write and issue flood policies. These insurers are known as 'Write Your Own' flood insurers.<img width="422" height="242" src="/img/%7Ewww.insurancenavy.com/Illinois-flood-insurance-rates.jpg" style="border:6px solid #17365d;float: right;" alt="Illinois flood insurance rates" longdesc="Flood insurance for commercial and reisential properties in Illinois" /><br /> <br /> The Federal Government through its FEMA hopes to accomplish some goals by involving the private insurers in the flood insurance programs. First, offering the flood coverage through private insurers will facilitate the process of providing the coverage to the public. Second, allowing the 'Write Your Own' flood insurers to participate will reduce the administrative costs of the federal government in policy underwriting and claim processing.<br /> <br /> Home buyers who decide to purchase homes in flood zones or 'special&nbsp; flood hazard area' with a loan from a federally regulated financial institution are required to carry flood insurance to cover their new home. 'Special flood hazard area' refers to zones where there is at least 1% chance of flood occurring each year. By the end of 2010 there were over 20,000 communities in the United States that participate in the NFIP. Communities that choose not to participate in this non mandatory program are making their residents ineligible for such program, and may put their residents' rights to obtain federal disaster relief in jeopardy.<br /> <br /> Members of the NFIP community must practice the enforcement of certain building codes. Despite the fact that most new buildings in flood zones, buildings that are below ground level may not be covered. Also, certain areas of the United States known as the 'Coast Barrier Resources System' may be subject to limited coverage. The NFIP has manuals explaining all of that.<br /> <br /> Flood insurance can be used to cover both residential and commercial buildings. Personal and business properties can also be covered under the same flood coverage policies. Residential properties can be covered to limits of $250,000 for building coverage, and $100,000 for personal properties. Non residential properties may be covered at maximum limits of $500,000 for each building coverage and business property coverage. Properties stored in basements are not covered.urn:uuid:afbe6852-2adc-4ae4-8962-b78bdde368b3<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Frankfort-Illinois-Auto-Insurance-SR22.jpg' align='left' />Frankfort, Illinois Vehicle Insurance Proposals Serviceable Localities Include the following: &nbsp; &nbsp; Mokena, IL New Lenox, IL Flossmoor, IL ...Fri, 10 Feb 2012 00:26:16 -0600<strong>Frankfort, Illinois Vehicle Insurance Proposals</strong><br /> <br /> Serviceable Localities Include the following:<br /> <table width="891" height="501"> <tbody> <tr> <td>&nbsp;<img longdesc=" Mokena, IL New Lenox, IL Flossmoor, IL Oak Forest, IL Orland Park, IL Hazel Crest, IL Goodings Grove, IL Homewood, IL Markham, IL Tinley Park, IL Matteson, IL Richton Park, IL Country Club Hills, IL Park Forest, IL Chicago Heights, IL" alt="Frankfort Illinois SR22 Car Insurance Rates" src="/img/%7Ewww.insurancenavy.com/Frankfort-Illinois-Auto-Insurance-SR22.jpg" /></td> <td>&nbsp;<br /> <ol> <li><strong>Mokena, IL</strong></li> <li><strong>New Lenox, IL</strong></li> <li><strong>Flossmoor, IL</strong></li> <li><strong>Oak Forest, IL</strong></li> <li><strong>Orland Park, IL</strong></li> <li><strong>Hazel Crest, IL</strong></li> <li><strong>Goodings Grove, IL</strong></li> <li><strong>Homewood, IL</strong></li> <li><strong>Markham, IL</strong></li> <li><strong>Tinley Park, IL</strong></li> <li><strong>Matteson, IL</strong></li> <li><strong>Richton Park, IL</strong></li> <li><strong>Country Club Hills, IL</strong></li> <li><strong>Park Forest, IL</strong></li> <li><strong>Chicago Heights, IL</strong></li> </ol> </td> </tr> </tbody> </table> <br /> Frankfort, Illinois is a member of the primary localities in the State of Illinois. The area maintains very harmonious conditions though people hear of a story of something bad happening here or there once in a while. In comparison with the countrywide mean the community of Frankfort, Illinois gives one of the lowest transgression ratios.<br /> <br /> Schooling arena is, additionally, believed to be some of the very best when put next to the countrywide, however lots of enhancements may still be built in that industry. Similar thing could be said regarding the health field of the locality.<br /> <br /> The Frankfort, Illinois territory is close to major tollways crossing the State of Illinois. Therefore, business in that part of Illinois.<br /> <br /> <br /> <strong>Frankfort, Illinois: Insurance Consulting in the&nbsp; Frankfort, IL Area</strong><br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border:3px solid #244061;float: right;" alt="Frankfort business auto insurance" longdesc="Mokena IL, New Lenox IL, Tinley Park IL, Matteson IL, Richton Park IL, Country Club Hills IL, Park Forest IL, Flossmoor IL, Oak Forest IL, Orland Park IL, Hazel Crest IL, Goodings Grove IL, Homewood IL, Markham IL, Chicago Heights IL,Illinois Tow Trucking Insurance " /><br /> Financial guidelines illustrate the thriving opportunity of the financial services business. Of unique attention is the auto insurance industry which come to fantastic advance in the past two years.<br /> <br /> <strong>Frankfort, Illinois Automobile Insurance Rates<br /> &nbsp;</strong><br /> There are a number of insurance representatives in the Frankfort, Illinois locality&nbsp; suggesting several different varieties of insurance offerings similar to car insurance, home insurance, condo insurance, office insurance, and truck insurance. At the same time a number of standard insurance companies such as American Family and AAAA we still have an additional score of independent insurance representatives in Frankfort, Illinois that do business with many insurance carriers.<br /> <strong><br /> Frankfort, Illinois Home Insurance Coverage Rates</strong><br /> <br /> Unique care ought to be given to the cost of the constructions in the Frankfort, Illinois area. At the same time properties worth went down, the present credit disaster as well as other aspects induced homeowner insurance to rise.&nbsp; Purchasing of a home insurance agreement will not likely have to be boring project. There is score of&nbsp; insurers which are keen to provide reasonably priced homes insurance in the Frankfort, Illinois community.<br /> <br /> <strong>Affordable&nbsp; Car Insurance Quotes in Frankfort, IL</strong><br /> <br /> In the event that you are shopping for automobile insurance price there almost certainly is higher chance that transacting with an independent insurance broker will result in more favorable end results. The independent agents deal business insurance with a score of insurance carriers some of which have the finest mark in the sector.&nbsp; Car insurance rates for a mature perso<img src="/img/%7Ewww.insurancenavy.com/commercial_auto_insurance_Chicago_Illinois.jpg" alt="commercial insurance quotes" style="border:12px solid #ffffff;width: 369px; height: 209px; float: left;" longdesc="commercial insurance quotes Mokena IL, New Lenox IL, Tinley Park IL, Matteson IL, Richton Park IL, Country Club Hills IL, Park Forest IL, Flossmoor IL, Oak Forest IL, Orland Park IL, Hazel Crest IL, Goodings Grove IL, Homewood IL, Markham IL, Chicago Heights IL," />n between, for instance, the age of 28 but under the age of 71 would about $26 each month based on clean your driving records.<br /> <br /> <strong>Frankfort, Illinois Auto Dealers Insurance</strong><br /> <br /> The area of Frankfort, Illinois hosts few used auto dealers which shop for used auto dealers insurance protection. In addition, surety bonds are needed in the automobile dealers businesses.&nbsp; Used auto dealers insurance policies are provided from a score independent providers in the Frankfort, Illinois &amp;and the surrounding communities.<br /> <br /> <strong>Frankfort, Illinois Tow Trucking Insurance </strong><br /> <br /> Frankfort, Illinois is also serviced by a score of tow trucking business that often need insurance services. Because of the diversity of their environment and specifications, dealing with an independent insurance brokers can be the answer to treatments when searching for affordable tow trucking insurance in the Frankfort, Illinois locality.<br /> <br /> <strong>Frankfort, Illinois Contractors Insurance Quotes</strong><br /> <br /> The development industry has been badly affected by the depression, and the Frankfort, Illinois was not an exception. Still contractors in the community are&nbsp; looking for inexpensive contractors insurance rates. These rates are commonly offered by both captive and independent insurance professionals in the community. Besides that, contractors liability, the contractor business may need additional coverages such as tools and property.urn:uuid:7a0f5dae-e5ad-4a74-9ac6-3a70116e4d55<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Frankfort-Illinois-Auto-Insurance-SR22.jpg' align='left' /> Crest Hill, IL is a member of the main communities in the State of Illinois. The area maintains well and undisturbed surrounding even if people hear of a story of an event bad occurring in one place or another on occasion. When put next to the coun...Thu, 09 Feb 2012 23:08:32 -0600<br /> <br /> Crest Hill, IL is a member of the main communities in the State of Illinois. The area maintains well and undisturbed surrounding even if people hear of a story of an event bad occurring in one place or another on occasion. When put next to the countrywide medium numbers the area in Crest Hill, IL has some of the bottom criminal offense rates.<br /> <br /> The learning area is, as well, regarded as some of the most effective when compared with the country, even though a whole lot of modifications can certainly still be forged in that area. The same thing may be said pertaining to the healthcare segment of the district.<br /> <br /> The Crest Hill, IL territory is nearby key Interstate roads crossing Illinois State. Consequently, commerce in that area.<br /> <br /> <br /> <span style="text-decoration: underline;"><strong>Crest Hill, IL Insurance Services in the&nbsp; Crest Hill, IL Community</strong></span><br /> <br /> Financial signs illustrate the growing potential of the financial services industry. Of specific interest is the automobile insurance industry which demonstrated incredible renovation in the past four years. The following communities are serviced by Crest Hills<br /> <br /> <table width="792" height="388"> <tbody> <tr> <td><strong>Joliet, IL<br /> Lockport, IL<br /> Shorewood, IL<br /> Romeoville, IL<br /> Plainfield, IL<br /> New Lenox, IL<br /> Lemont, IL<br /> Bolingbrook, IL<br /> Goodings Grove, IL<br /> Channahon, IL<br /> Mokena, IL<br /> Woodridge, IL<br /> Frankfort, IL<br /> Orland Park, IL<br /> Darien, IL&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br /> </td> <td>&nbsp;<img longdesc="Joliet, IL Lockport, IL Shorewood, IL Romeoville, IL Plainfield, IL New Lenox, IL Lemont, IL Bolingbrook, IL Goodings Grove, IL Channahon, IL Mokena, IL Woodridge, IL Frankfort, IL Orland Park, IL Darien, Insurance" alt="Crest Hill auto insurance " style="border: 4px solid #92d050; float: right; width: 519px; height: 257px;" src="/img/%7Ewww.insurancenavy.com/Frankfort-Illinois-Auto-Insurance-SR22.jpg" /></td> </tr> </tbody> </table> <br /> <br /> <br /> Crest Hill, IL Automobile Insurance Costs <br /> There are a number of insurance advisors in the Crest Hill, IL community&nbsp; suggesting all categories of insurance offerings similar to automobile insurance, home insurance, condo insurance, office insurance, and cargo and truck insurance. At the same time a score of standard insurance providers such as State Farm and Farmers we still have an additional score of independent insurance brokers in Crest Hill, IL that write insurance with many different insurers.<br /> <br /> Crest Hill, IL Homeowners Insurance Coverage Estimates<br /> <br /> Special attention should be given to the value of the constructions in the Crest Hill, IL community. Despite the fact that properties worth declined, the present credit turmoil as well as other issues triggered home insurance to surge.&nbsp; Searching for a house insurance agreement doesn&rsquo;t have to be boring project. There is a number of&nbsp; carriers that are happy to present affordable homeowners insurance in the Crest Hill, IL area.<br /> <br /> Reasonable&nbsp; Car Insurance Rates in Crest Hill, IL<br /> <br /> In the event that some one is shopping for automobile insurance price there possibly is higher chance that dealing with an independent insurance broker will produce better success. These independent agents transact business insurance with a number of insurers some of which have the perfect rating in the market place.&nbsp; Car insurance prices for a mature person between, for instance, the age of 30 but under the age of 69 should approximately $27 every month assuming clean your driving records.<br /> <br /> Crest Hill, IL Used Auto Dealerships Insurance<br /> <br /> The locality of Crest Hill, IL hosts a limited number auto dealerships which look for used car dealerships insurance protection. Moreover, car dealers bonds are wanted in the automobile dealers businesses.&nbsp; Used car dealers insurance policies are provided through many independent brokers in the Crest Hill, IL &amp;and the bordering localities.<br /> <br /> Crest Hill, IL Tow Truck Insurance <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /><br /> <br /> Crest Hill, IL is also attended by a number of tow trucking businesses which regularly need insurance services. Due to the diversity of their background and specifications, dealing with an independent insurance representatives can be the key to alternatives when shopping for cheap tow trucking insurance in the Crest Hill, IL locality.<br /> <br /> Crest Hill, IL Contractors Insurance Rates<br /> <br /> The building industry has been badly affected by the downturn, and the Crest Hill, IL was not an exception. Still contractors in the community are&nbsp; searching for affordable contractors insurance quotes. These quotes are commonly introduced by both captive and independent insurance agencies in the area. Besides, contractors liability, the contractor organization may need additional coverages such as business auto.urn:uuid:9b100286-7cdd-4d4c-9c94-5cdbd74dc8b7<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' /> Communities Served for Personal and Commercial Insurance of Beecher Illinois: Steger, IL Cedar Lake, IN Sauk Village, IL Park Forest, IL Richton Park, IL Saint John, IN Chicago Heights, IL Dyer, IN Matteson, IL...Thu, 09 Feb 2012 22:29:24 -0600<br /> <br /> Communities Served for Personal and Commercial Insurance of Beecher Illinois:<br /> <br /> <ul> <li><strong>Steger, IL</strong></li> <li><strong>Cedar Lake, IN</strong></li> <li><strong>Sauk Village, IL</strong></li> <li><strong>Park Forest, IL</strong></li> <li><strong>Richton Park, IL</strong></li> <li><strong>Saint John, IN<img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border: 4px solid #7030a0; float: right;" alt="Beecher auto insurance" longdesc="Beecher auto insurance" /></strong></li> <li><strong>Chicago Heights, IL</strong></li> <li><strong>Dyer, IN</strong></li> <li><strong>Matteson, IL</strong></li> <li><strong>Schererville, IN </strong></li> <li><strong>Crown Point, IN</strong></li> <li><strong>Flossmoor, IL</strong></li> <li><strong>Homewood, IL</strong></li> <li><strong>Frankfort, IL</strong></li> <li><strong>Lansing, IL</strong></li> </ul> <br /> Beecher, IL is one of the main communities in Illinois. The location retains well and peaceable environment despite the fact that people hear of a story of an event bad happening in this place or the other sometimes. When put next to the countrywide mean the locality in Beecher, IL has one of the bottom criminal activity percentages.<br /> <br /> Education segment is, also, perceived as some of the best when put next to the state, even when many of transformations can certainly still be forged in that field. The same thing can be said pertaining to the healthcare sector of the locality.<br /> <br /> The Beecher, IL territory is close to main tollways crossing the State of Illinois. Consequently, trade in this locality.<br /> <br /> <br /> Financial Services in the&nbsp; Beecher, IL Community<br /> <br /> Economic guidelines reveal the growing opportunity of the financial consulting arena. Of specific concern is the automobile insurance trade which come to exceptional progression in the past five years.<br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago-Heights_Auto-Insurance-SR22.jpg" style="border:4px solid #1f497d;float: right;" alt="Chicago Heights Auto Insurance SR22" longdesc="Auto insurance for chicago heights, illinois; Steger IL, Cedar Lake IN, Sauk VIL,lage IL, Park Forest IL, Richton Park IL, SaIN, t John IN, Chicago Heights IL, Dyer IN, Matteson IL, ScherervILLe IN, Crown PoIN, t IN, Flossmoor IL, Homewood IL, Frankfort IL, Lansing IL," /><br /> <h2>Beecher, IL Auto Insurance Rates </h2> We have a score of insurance brokers in the Beecher, IL community&nbsp; presenting many kinds of insurance products such as auto insurance, house insurance, renters insurance, restaurant insurance, and cargo and truck insurance. At the same time some of standard insurance providers such as State Farm and AAAA we still have a higher score of independent insurance agencies in Beecher, IL that deal insurance with many different insurers.<br /> <br /> <h2>Beecher, IL Home Insurance Coverage Rates</h2> <br /> Unique attention needs to be given to the value of the constructions in the Beecher, IL community. At the same time real estate worth plummeted, the current credit mess along with other reasons caused house insurance to surge.&nbsp; Shopping for a home insurance policy is not going to have to be lengthy activity. There is score of&nbsp; insurance carriers that are ready to offer affordable homes insurance in the Beecher, IL area.<br /> <br /> Inexpensive&nbsp; Car Insurance Quotes in Beecher, IL<br /> <br /> When some one is looking for automobile insurance price there most likely is better chance that doing business with an independent insurance representative will produce more appropriate outputs. The independent agents issue insurance policy and business insurance with a number of companies some of which have the most favorable grading in the marketplace.&nbsp; Car insurance rates for a mature operator between, for example, the age of 29 but under the age of 70 might about $30 per <img src="/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg" style="border: 4px solid #548dd4; float: left;" alt="Trucking Insurance Beecher Il" longdesc="Insurance Steger, IL Cedar Lake, IN Sauk Village, IL Park Forest, IL Richton Park, IL Saint John, IN Chicago Heights, IL Dyer, IN Matteson, IL Schererville, IN Crown Point, IN Flossmoor, IL Homewood, IL Frankfort, IL Lansing, IL" />month assuming clean motor vehicle report.<br /> <br /> Beecher, IL Used Auto Dealers Insurance<br /> <br /> The territory of Beecher, IL hosts few used auto dealers that shop for car dealers insurance coverage. Moreover, surety bonds are required in the automobile dealers businesses.&nbsp; Used auto dealerships insurance policies are offered through several independent providers in the Beecher, IL &amp;and the adjacent areas.<br /> <br /> Beecher, IL Tow Truck Insurance <br /> <br /> Beecher, IL is also attended by a score of tow trucking business that often require insurance services. as a result of the heterogeneity of their background and necessities, dealing with an independent insurance agents can be the key to treatments when shopping for affordable tow truck insurance in the Beecher, IL locality.<br /> <br /> <h2>Beecher, IL Contractors Insurance Rates</h2> <br /> The building industry has been badly influenced by the downturn, and the Beecher, IL was not an exception. Still contractors in the community are&nbsp; shopping for affordable contractors insurance rates. These rates are normally introduced by both captive and independent insurance agents in the community. In addition, contractors liability, the contractor establishment may need additional coverages such as commercial auto.<br /> <br /> &nbsp;&nbsp; &nbsp;urn:uuid:2b4bc409-7003-40b5-9a48-5811419ebe2cby Fadi S, Chicago Motorcycle Insurance Expert Collision Insurance For Motorcycle Insurance is More Costly Than Auto Insurance Collision Rates Shopping for motorcycle insurance may be surprising sometimes when we learn that motorcycle liability insu...Sun, 05 Feb 2012 22:40:35 -0600by Fadi S, Chicago Motorcycle Insurance Expert<br /> <br /> <h2>Collision Insurance For Motorcycle Insurance is More Costly Than Auto Insurance Collision Rates</h2> Shopping for motorcycle insurance may be surprising sometimes when we learn that motorcycle liability insurance rates are lower than auto liability insurance rates, for the same person under similar circumstances. This is because motorcycle crashes cause less property damages and bodily injuries to others, when compared with car crashes. This is due to the mass (weight) of the motorcycle. The previous statement is very true for liability, or when the motorist becomes liable for damages he or she causes to others as a result of at fault motorcycle or auto accidents.<br /> <br /> Collision insurance for motorcycles are structured in the opposite way of liability insurance. While motorcycle crashes cause less damages to other people's properties compared to auto insurance crashes, they (motorcycle crashes) cause significant damages to the crashing motorcycles.&nbsp; Because of that, full coverage insurance (also known as comprehensive and collision) costs more for motorcycles when compared to personal vehicles of similar values. <br /> <br /> In other words, if you have a motorcycle that's worth $7,000 and a personal auto of the same value, your motorcycle liability insurance premium will be less than the auto liability premium. However, comprehensive and collision insurance rates for that motorcycle will be higher than that of the personal automobile.<br /> <br /> <h2>Motorcycle Comprehensive &amp; Collision Insurance</h2> Motorcycle comprehensive and collision insurance rates are based on similar factors used to determine personal vehicle comprehensive and collision insurance rates, namely credit of the applicant, garaging zip code, sex, marital status, operator age, as well as driving records of the applicants. For that reason, younger motorcyclists are expected to pay significant amount of premiums if they are trying to get full coverage insurance on expensive motorcycles. <br /> <br /> Comprehensive and collision insurance coverage for motorcycles can also be offered with towing and roadside assistance. Progressive motorcycle insurance is one of the know carriers to offer reliable insurance for motorcyclists including towing and roadside assistance.&nbsp; Motorcycle insurance from Progressive insurance company comes with different types of discounts, despite the fact that Progressive may end up checking your insurance credit score.<br /> <br /> <h2>Theft of Motorcycles is Easier</h2> Also, the theft of motorcycles, which is covered under the comprehensive coverage of the policy, is much easier that stealing a personal auto policy, and, perhaps, is more tempting. For that reason, comprehensive insurance for motorcycles that covers theft and fire is more expensive, relatively speaking.<br /> <br /> Shopping for full coverage insurance for your motorcycle requires patience. Contacting an independent representative is the key, especially for people with credit problems. Most captive agents (those who deal with single carriers) may require credit check before providing the final quotes. Independent agencies, on the other hand, have access to wider ranges of insurers that provide different types of coverages for motorcycles.urn:uuid:ed8f60b0-6eb2-4320-ab5a-c3676c1b7cfaby F Sneneh, Chicago Auto Insurance Specialist Worst time to buy used cars from car dealers Tax return filing starts in February and does not end till mid April. Many people schedule their major purchases during that time because they expect to get s...Sun, 05 Feb 2012 14:18:00 -0600<p><em><strong>by F Sneneh, Chicago Auto Insurance Specialist</strong></em></p> <h2>Worst time to buy used cars from car dealers</h2> <p>Tax return filing starts in February and does not end till mid April. Many people schedule their major purchases during that time because they expect to get some income tax refund. One of the major purchases that people plan for during the tax season is the purchase of vehicles.</p> <p>Used cars purchased at used car dealerships are normally sold at higher prices during that seasons for two reasons:</p> <p>Used car dealers in Chicago start stocking up their inventory from right after Christmas time. The prices that dealers pay at auctions for vehicles go up as dealers compete among themselves to get cars. If the cost is high, retail price offered to the clients must also be high.<br /> More demand on used cars lead automatically to higher retail price. This is a fundamental economic theory. Higher demands lead to higher prices.</p> <p>Higher demand along with higher cost will make it almost guaranteed that people who shop for used cars from used car dealers dealership end up paying much higher prices, compared to those who purchase cars during different time.</p> <h2>Best Time to Purchase Used Cars</h2> <p>Best times to purchase a used vehicle from car dealers are:</p> <p>The weeks preceding Christmas when neither dealers not clients are seeking to purchase vehicles, and when everyone else is worried about Christmas shopping, not car shopping.<br /> Immediately after tax season, when dealers are buying less from auctions (resulting in lower auction prices) and when people exhausted their tax refund, leaving dealers with stock of cars that must go to free some cash for the dealers.</p> <h2>Effect of tax season on car insurance rates</h2> <p>There is no reason to believe that the timing of your used car has anything to do with the premium you pay for your auto insurance. The normal factors affecting auto insurance rates are garaging address, credit, age, gender, marital status and driving record. The time you buy insurance is irrelevant.&nbsp; </p>urn:uuid:123fc0d3-5d6a-445b-861b-004c94a36612<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Motorcycles-insurance-rates-Chicago-IL.jpg' align='left' />by Ed S. Chicago Motorcycle Insurance Specialist in Illinois Motorcycle Insurance Rates in Chicago Illinois Despite the fact that the State of Illinois is mandating certain minimum insurance limits for all 'motorized vehicles', liability insurance r...Sun, 05 Feb 2012 01:45:02 -0600by Ed S. Chicago Motorcycle Insurance Specialist in Illinois<br /> <br /> <h2>Motorcycle Insurance Rates in Chicago Illinois</h2> Despite the fact that the State of Illinois is mandating certain minimum insurance limits for all 'motorized vehicles', liability insurance rates in this State varies based on several factors. Some of these factors are traditional like garaging ZIP code, age, gender, marital status, so on. However other factors are related to the use of the motorized vehicle (ie personal vs commercial use) and weight of the vehicle.<br /> <br /> This article will not deal with the issues related to the use of the vehicles and its effects on liability insurance rates. Instead we will try to connect the subject of this article (rates differences for both motorcycle and personal auto insurance) .<br /> <img width="403" height="259" longdesc="Illinois Motorcycle liability insurance rates in Chicago" alt="Motorcycle liability insurance rates in Chicago" style="border: 4px solid #7030a0; float: right;" src="/img/%7Ewww.insurancenavy.com/Motorcycles-insurance-rates-Chicago-IL.jpg" /><br /> Since liability insurance is related to making payments to other people because of bodily injury or property damages the motorist causes to them in connection with a motorized vehicle, rates for such liability is connected in not just the factors that may cause the liability, but also with the amount to be paid in the event that liability occurred.<br /> <br /> The weight of a motorcycle is significantly less than the weight of a personal automobile. For that reason, more damages to others can result when an operator negligently causes an auto crash as opposed to motorcycle crash. For that reason, liability insurance for motorcyclists is cheaper than auto insurance for the same motorcyclist. This is very true for the mandatory liability insurance that the State requires.&nbsp; Furthermore, liability insurance for motorcycles with higher engine displacement (expressed as cubic centimeters or cc) have higher liability insurance rates, because they can cause more damage (more impact power) in case of crash.<br /> <br /> The discussion here is strictly about liability insurance. An important, non mandatory, element of liability insurance for motorcyclists is called medical payments (or Med Pay.) Among other things, this coverage pays for bodily injuries to the motorcyclist and/or the guest rider. This coverage is high due to the fact that bodily injuries in motorcycle crashes are massive in nature and almost always require medical treatment.<br /> <br /> Shopping for motorcycle liability insurance should always be done diligently because of the several options that you may need, but may not be offered on the quote. Talking to an experienced agent is important because it can save you money and lots of aggravation.urn:uuid:a768a770-c305-4771-8fd3-fbb1260a4010<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago-Motorcycles-insurance-rates.jpg' align='left' />Can you file SR22 insurance under a motorcycle policy? Motorcycle insurance in Illinois is subject to the same rules and regulations for 'motorized vehicles' insurance. This means that all motorcycle liability insurance policies are subject to the S...Sat, 04 Feb 2012 23:15:33 -0600Can you file SR22 insurance under a motorcycle policy?<br /> <br /> Motorcycle insurance in Illinois is subject to the same rules and regulations for 'motorized vehicles' insurance. This means that all motorcycle liability insurance policies are subject to the State minimum limits of 20/40/15 or $20,000 bodily injury per person,&nbsp; $40,000 bodily injury per accident, and $15,000 property damage per accident.<br /> <br /> Liability auto insurance in Illinois are similar to those liability motorcycle insurance limits.&nbsp; The laws controlling the policies are the same. Also, issuing a motorcycle insurance policy goes through the same process that a liability auto insurance policy goes through. The fundamental differences between them are:<br /> <img width="367" height="209" longdesc="Chicago motorcycle insurance online" alt="Motorcycle Insurance Rates in Chicago Illinois" style="border: 4px solid #548dd4; float: right;" src="/img/%7Ewww.insurancenavy.com/Chicago-Motorcycles-insurance-rates.jpg" /><br /> Liability insurance rates for motorcycles are lower than Liability insurance rates for automobile, assuming other things the same. The main reason is the fact that when a motorcycle crashes with other objects it will cause less bodily injury and property damages to others than when an auto does the crash.<br /> <br /> Physical damage insurance rates for motorcycles (comprehensive and collisions) are more expensive than comprehensive and collision on a personal auto policy, assuming other things (including actual cash values of the motorized vehicles are the same.) Basically there will be more damage to the motorcycle when it crashes compared to damages incurred to the regular auto when it crashes. <br /> <br /> Driver's licenses in Illinois required to ride motorcycles include class M &amp; L. A Class M license allows you legally ride a motorcycle. A Class L license allows you to ride&nbsp; any motorized&nbsp; cycle with fewer than 150 cc. A Class D operator's license permits licensees to operate most passenger autos. When you are required to maintain financial responsibility or SR22 the requirement is normally to keep your Class D license privileges active. For that reason, auto coverage or similar non owner auto insurance is required to maintain the driving privileges. <br /> <br /> To make it short, while mandatory insurance limits are the same for auto insurance and motorcycle insurance, the Classes of Operators Licenses are different. If you are looking to reinstate the Class D operators license (to drive personal autos), then you need financial filing&nbsp; (or SR22) for a personal auto coverage or something better (commercial auto or non owners).urn:uuid:b0d002f4-53bc-4ecf-a40d-dd48f7d2ac2b<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/commercial_auto_insurance_Chicago_Illinois.jpg' align='left' />by Ed S. Chicago ice cream truck insurance specialist Many people think that insuring an ice cream van or ice cream truck is similar to insurance a personal auto insurance policy. While insuring an ice cream truck may be simple, the nature and amo...Fri, 03 Feb 2012 01:33:41 -0600by Ed S. Chicago ice cream truck insurance specialist<br /> <br /> <h2><img src="/img/%7Ewww.insurancenavy.com/commercial_auto_insurance_Chicago_Illinois.jpg" alt="Ice Cream Truck Insurance " style="border:4px solid #0c0c0c;width: 440px; height: 249px; float: right;" longdesc="Ice Cream Truck Insurance Chicago Illinois" /></h2> <br /> Many people think that insuring an ice cream van or ice cream truck is similar to insurance a personal auto insurance policy. While insuring an ice cream truck may be simple, the nature and amount of coverage are siginificantly different.<br /> <br /> <h2>Ice cream truck insurance vs personal auto insurance</h2> Because ice creams are used for commercial purposes they need commercial policy. Insuring your personal van or SUV truck needs personal coverage. While you may not get in trouble with the policy if you get pulled over carrying wrong type of insurance, your insurance company may not pay claims on a commercial vehicle such as an ice cream vending truck or food vending van if personal insurance was carried.<br /> <br /> <h2>Limits of liability insurance ice cream trucks</h2> Most municipalities and Counties in Illinois have started to regulate the amount of liability insurance that needs to be carried. Most ask between $500,000 to $1 million in auto liability. The City of Chicago along with few others do not have any special requirement, and in these cases, the minimum state limits of $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 property damage per accident remain sufficient till this date.<br /> <br /> <h2>Rates for ice cream liability insurance</h2> Rates for ice cream truck insurance is based on factors related to the insured's person garaging address, credit, age, driving records, and limits of insurance.<br /> <br /> <h2>General liability for ice cream vending</h2> This include payments for damages that the owner/ business providing the ice cream may cause to other in terms of bodily injury or property damage for incidents that are not related to operating the ice cream truck (for example, selling ice cream that causes harms to people). Many municipalities and counties are asking for this coverage in the amount of $1 million.&nbsp; The price for general liability for ice cream vending truck ranges between $600 to $1,000 per year in the Chicago metro area.<br /> <br /> <h2>Workers compensation for ice cream vending truck</h2> Many municipalities are asking businesses and individuals selling ice cream in vending trucks to show proof of workers compensation. Many self employed individuals may be exempt from workers compensation insurance, but those who hire drivers and helpers may have to purchase it to protect themselves from work related injury lawsuits and to comply with the law. Rates for Illinois workers compensation insurance for vending ice cream trucks is based on annual payroll estimates.<br /> <br /> <h2>Ice cream truck umbrella insurance</h2> Some local governments (Counties and Park Authorities) ask for significantly higher liability limits, more that what auto insurance and general liability offer. For example, a $3 million umbrella policy may be required by some ice cream vending trucks by certain Counties and Park Authorities.urn:uuid:731a8dd1-9ee3-407b-b078-67bf320c1ef8Below is a detailed account of homeowners insurance carriers operating in Illinois. The list represents a partial listing of many insurers, ones that have larger market shares. These insurers may or may not provide other products such as auto insuran...Fri, 03 Feb 2012 00:32:46 -0600Below is a detailed account of homeowners insurance carriers operating in Illinois. The list represents a partial listing of many insurers, ones that have larger market shares. These insurers may or may not provide other products such as auto insurance or business insurance services.<br /> <p>Homeowners insurance companies offering Illinois homeowners insurance coverage in Chicago area:</p> <ul> <li>Acuity, A Mutual Insurance Company</li> <li>Allstate Insurance Company</li> <li>American Family Mutual Insurance Company</li> <li>Auto Owners Insurance Company</li> <li>Balboa Insurance Company</li> <li>Cincinnati Insurance Company</li> <li>Country Mutual Insurance Company</li> <li>Economy Premier Assurance Company</li> <li>Erie Insurance Exchange</li> <li>Farmers Automobile Insurance Association</li> <li>Farmers Insurance Exchange</li> <li>Foremost Insurance Company</li> <li>General Casualty Insurance Company</li> <li>Hartford Insurance Company Of Illinois</li> <li>Homesite Insurance Company</li> <li>Illinois Fair Plan Association</li> <li>Illinois Farmers Insurance Company</li> <li>IMT Insurance Company</li> <li>Liberty Mutual Fire Insurance Company</li> <li>Madison Mutual Insurance Company</li> <li>MemberSelect Insurance Company</li> <li>Metropolitan Casualty Insurance Company</li> <li>Property &amp; Casualty Insurance Co of Hartford</li> <li>Safeco Insurance Company</li> <li>Sentinel Insurance Company Ltd</li> <li>Standard Mutual Insurance Company</li> <li>State Farm Fire &amp; Casualty Company</li> <li>Travelers Home And Marine Ins Company</li> <li>Travelers Personal Insurance Company</li> <li>USAA Casualty Insurance Company</li> </ul>urn:uuid:a35a96b4-d27c-4833-8b00-1bdf829ae013 The following is a list of auto insurance companies operating in the State of Illinois. The list represents a partial listing of all companies, ones that have sizable market share. These companies may or may not offer other products such as homeown...Fri, 03 Feb 2012 00:20:47 -0600<br /> <br /> The following is a list of auto insurance companies operating in the State of Illinois. The list represents a partial listing of all companies, ones that have sizable market share. These companies may or may not offer other products such as homeowners insurance or business insurance.<br /> <br /> Auto insurance carriers actively offering Illinois auto insurance coverage in Chicago area: <ul> <li>21st Century North American Insurance Company</li> <li>Affirmative Insurance Company</li> <li>Allstate Insurance Company</li> <li>American Access Casualty Company</li> <li>American Family Mutual Insurance Company</li> <li>American Freedom Insurance Company</li> <li>American Heartland Insurance Company</li> <li>American Service Insurance Company Inc</li> <li>Apollo Casualty Company</li> <li>Auto Club Services, Inc.</li> <li>Bristol West Insurance Company </li> <li>Country Mutual Insurance Company</li> <li>Country Preferred Insurance Company</li> <li>Delphi Casualty Company</li> <li>Direct Auto Insurance Company</li> <li>Erie Insurance Exchange</li> <li>Esurance Insurance Company</li> <li>Farmers Automobile Insurance Association</li> <li>First Acceptance Insurance Company</li> <li>First Chicago Insurance Company</li> <li>Founders Insurance Company</li> <li>Geico Insurance Company</li> <li>General Casualty Insurance Company</li> <li>Government Employees Insurance Company</li> <li>Hartford Insurance Company</li> <li>Illinois Farmers Insurance Company</li> <li>Indiana Insurance Company</li> <li>Infinity Casualty Insurance Company</li> <li>Interstate Bankers Casualty Company</li> <li>Liberty Mutual Fire Insurance Company</li> <li>Member Select Insurance Company</li> <li>Metropolitan Casualty Insurance Company</li> <li>Mid-Century Insurance Company</li> <li>National Heritage Insurance Company</li> <li>Pekin Insurance Company</li> <li>Progressive Insurance Company</li> <li>Property &amp; Casualty Insurance Companyof Hartford</li> <li>Safeco Insurance Company</li> <li>Safeway Insurance Company</li> <li>State Farm Mutual Automobile Insurance Company</li> <li>Travelers Home And Marine Ins Company</li> <li>Trumbull Insurance Company</li> <li>Unique Insurance Company</li> <li>United Automobile Insurance Company</li> <li>United Equitable Insurance Company</li> <li>Universal Casualty Company</li> <li>USAA Casualty Insurance Company</li> </ul>urn:uuid:eaa18ad1-a68a-4688-882f-3ce8fc472186<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed S. Illinois auto insurance agent in Chicago Auto insurance quotes have to meet certain minimum requirements to be considered valid. The requirements are normally information&nbsp; that the quotes must reveal to the potential customers for fai...Wed, 25 Jan 2012 10:13:58 -0600<em>by Ed S. Illinois auto insurance agent in Chicago</em><br /> <br /> <em><strong><br /> Auto insurance quotes</strong></em> have to meet certain minimum requirements to be considered valid. The requirements are normally information&nbsp; that the quotes must reveal to the potential customers for fair comparison. This information is necessary so that the customers receive fair information in order for them to be able to <em>compare car insurance quotes</em> against each others, and compare the quotes against the actual policy; if and when the clients decide to purchase the coverage indicated on particular quotes.<br /> <br /> Necessary information on <em>auto insurance quotes</em> are similar to the information listed on the <em>auto policy declaration page</em>. The following are the necessary items for all <em><strong>car insurance quotes</strong></em>:<br /> <br /> 1, Names, addresses and phone number of the insurance agent proposing&nbsp; the quote and the insurance company offering the coverage. There are many insurers who have similar names or names that sound the same, but they have significant rating difference. Knowing the exact company name is important especially when you want to compare the automobile insurance quotes that you have against each others.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based independent insurance agency providing valuable services in the areas of <strong><span style="text-decoration: underline;"><em>Illinois Automobile Insurance Proposals, and Illinois SR22 Certificates</em></span>.</strong> The agency represents and accesses dozens of preferred, standard and nonstandard insurers in all areas of commercial and personal insurance services including Progressive automobile insurance, Safeco car&nbsp; insurance, Hartford personal and commercial vehicle insurance and many more.<br /> <br /> Insurance Navy has&nbsp; several offices in the Chicago &amp; suburban areas, and is providing fast and free online car insurance proposals. For advice, quick quotes please call one of our licensed auto insurance agents at 773-478-3700.<br /> <img width="300" height="191" longdesc="Chicago Auto Insurance Reviews for Insurers in Illinois" alt="Auto Insurance Reviews for Insurers in Illinois" style="vertical-align: middle;" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" /><br /> <br /> </td> </tr> </tbody> </table> 2. Name and address of the client being quoted. Client address reveals important information about the territory that was used to determine the car insurance rates. For example, if you actually live in Chicago and the address is a suburban address there is a high chance that it will be higher than other different <em>car insurance quotes</em> that are built on opposite assumptions. Also some companies run credit check which means <em><strong>car insurance quotes</strong></em> proposed for John Doe II (the son) may not be the same as John Doe (the father) even though everything else except credit is the same.<br /> <br /> 3. Dates of the proposals, and periods of coverage. Some <strong><em>automobile insurance quotes</em></strong> are based on yearly, others are based on periods of six months.<br /> <br /> 4. Vehicles covered, including the year, make and model. Although it is just a quote, changing even the model alone can cause big difference in the rate. Not all 2008 Toyota Camry's are the same when it comes to insurance. Some are more expensive than others. If the <em><strong>auto insurance proposals</strong></em> are built on offering full coverage on a cheaper model than the one you actually have the actual policy will come higher. This is very true for <em><strong>car insurance proposals</strong></em> offering comprehensive and collision with insurers that rate their coverage based on the actual cash value of the vehicles.<br /> <br /> 5. Limits of liability coverage offered. <em><strong>Auto insurance proposals</strong></em> can be based on significantly different limits of automobile liability insurance. The minimum that each motorist must maintain vary from State to another. In Illinois, all <em><strong>car insurance proposals</strong></em> and policies must be provided with minimum liability limits of (20/40/15); or $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 property damage coverage per accident. Some non standard carriers offer no more than that limits on all of their <em><strong>automobile insurance proposals</strong></em> and policies, while other standard carriers offer limits of 100/300/50. Some preferred carriers have no problem offering $500/500/500, or $500,000 limits on some of their <em><strong>automobile insurance proposals</strong></em>.<br /> <br /> 6. Comprehensive and collision coverage are indicated on the quote by showing certain premiums and deductible charged to the <em><strong>automobile insurance proposals</strong></em> for these coverages. The breakdown of charges allow the clients to know what coverages they have. If you see a positive charge for a coverage for a particular vehicle then you do have that coverage for that vehicle included. <br /> <br /> 7. Towing and rental coverage should also be accompanied with either no charge (blank) or positive charge on the <em><strong>automobile insurance proposals</strong></em>. The lack of premium charged means that coverage is not included. If the company is offering the coverage a premium charge would be indicated on the <em><strong>automobile insurance proposals</strong></em> for the covered vehicles.<br /> <br /> Customers should not assume that they are covered for a particular coverage until they see that the coverage is explicitly stated on the <em><strong>automobile insurance quotes </strong></em>sheets _and_ a premium is charged for the coverage for vehicle.urn:uuid:e8410388-73f4-484b-8f04-4297b83078f4<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Rami S. Illinois Auto Insurance Specialist in Chicago Limitations and Opportunities of Car Insurance Quotes Online More Americans are using the world wide web to communicate with their friends and family and to transact business as well. Using th...Tue, 24 Jan 2012 23:22:49 -0600<em>by Rami S. Illinois Auto Insurance Specialist in Chicago</em><br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Limitations and Opportunities of Car Insurance Quotes Online</strong></em></span></h2> More Americans are using the world wide web to communicate with their friends and family and to transact business as well. Using the internet by individual and business consumers to shop for products and services is growing every year. With the advancement in internet security for banking and financial institutions more customers are accepting the internet as a trusted way to purchase their financial products and services. <br /> <br /> The financial services industry receives special attention from people because the industry touches the core of the wellbeing of consumer. Unless fully trusted financial institutions find it harder to transact business with people who are not familiar with the provider. The insurance business is one of the financial services industries that face similar challenges.<br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based independent insurance broker providing extensive services in the <strong><span style="text-decoration: underline;"><em>Illinois Car Insurance Quotes Online, and Illinois SR22 Insurance</em></span>.</strong> The agency represents and accesses several of preferred, standard and nonstandard insurance companies in all areas of commercial and personal insurance including Progressive car insurance, Safeco auto insurance, Hartford auto insurance and many more.<br /> <br /> Insurance Navy has&nbsp; several offices in the Chicago &amp; suburban areas, and is providing fast and free online car insurance quotes. For advice, quick quotes please call one of our licensed auto insurance agents at 773-478-3700.<br /> <img width="300" height="191" longdesc="Chicago Auto Insurance Reviews for Insurers in Illinois" alt="Auto Insurance Reviews for Insurers in Illinois" style="vertical-align: middle;" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" /><br /> <br /> </td> </tr> </tbody> </table> <br /> <h2><strong>Auto Insurance Quotes Online - Business Opportunities</strong></h2> Unlike selling many other products and services, the presence of the client at the location of the provider is not necessary for the completion of the sale. For that reason, the industry is heavily investing in the <em>online auto insurance quotes</em> marketing. The logistic of providing the service (insurance ID car,&nbsp; contract etc) is much simpler than the logistic of providing the service in other businesses.<br /> <br /> Also, shopping for <em>auto insurance quotes online</em> is a not a quick decision. People normally spend time and effort before they commit themselves to spend a sizable amount of money. In other words, people shopping for <em>online auto insurance quotes</em> are willing to spend time and efforts searching and looking for better deals.<br /> <br /> The financial services industry, including insurance, is one of the industries that attract the hearts and minds of many Americans. The financial crisis that the society is going through made it essential for people to review their finances and their plans. This can very well be said for auto insurance.<br /> <br /> <h2><strong>Auto Insurance Quotes Online - Business Challenges</strong></h2> Major challenges face the <em>auto insurance quotes online</em> industry. First is the confidence of the consumers. Because auto insurance is a financial service that requires disclosing lots of personal information about the clients, many people are still reluctant to releasing personal financial information to 'unverified websites'. <br /> <br /> The experience of consumers with <span style="text-decoration: underline;"><em><strong>online car insurance quotes</strong></em></span> providers that collect personal information and sell tha information to other financial institutions&nbsp; discourage the mainstream shoppers from accepting internet as a reliable method of shopping for <em>car insurance quotes online</em> .<br /> <br /> Lack of interactivity between customers and agents is perhaps the most important challenge for both automobile insurance clients and insurance providers. Insurance providers are limited in their presentations to general terms, leaving them vulnerable to answering clients objections. At the same time, people shopping for <em>car insurance quotes online</em> do not get the opportunity to have all of their questions answered by a professional agent. Selling and buying insurance is a true rational decision that requires great degree of emotions to consummate the transaction. <br /> <br /> <em>Online car insurance quotes</em> providers are encouraged to offer solutions to deal with the challenges and to enhance the opportunities presently available in the marketplace. Also, consumers need to approach the subject with more confidence by supporting verified&nbsp; providers who maintain transparent methods of doing business with clients.urn:uuid:59ea9a5c-710c-43e2-bac8-05354471473d<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed S. Illinois Auto Insurance Specialist in Chicago Obtaining Auto Insurance by Phone Maybe Safer Than Online Quotes A lot of people get tempted these days to obtain auto insurance quotes online. The online community is increasingly adding more ...Tue, 24 Jan 2012 12:09:25 -0600by Ed S. Illinois Auto Insurance Specialist in Chicago<br /> <br /> Obtaining Auto Insurance by Phone Maybe Safer Than Online Quotes<br /> <br /> A lot of people get tempted these days to obtain <em><span style="text-decoration: underline;"><strong>auto insurance quotes online</strong></span></em>. The online community is increasingly adding more materials, websites, and articles related to the automobile insurance quotes online. The question that arises is related to if or not it is productive and safe to request auto insurance quotes online.<br /> <br /> When it comes to providing <span style="text-decoration: underline;"><em><strong>online car insurance rates </strong></em></span>the online community is divided into three different areas.&nbsp; Rates may be offered instantly online, or may require human intervention and a callback from an agent at a later time, or simply a combination of both ways.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois auto Insurance, and I<strong>llinois SR22 Insurance</strong></em></span>. The agency represents and accesses dozens of preferred, standard and non standard insurers in all areas including Progressive car insurance.<br /> <br /> Insurance Navy has&nbsp; several locations in the Chicago &amp; suburban areas, and is providing fast and free online car insurance rate. For advice, quick quotes please call one of our licensed auto insurance agents at 708 237 0400.<br /> <img width="300" height="191" longdesc="Chicago Auto Insurance Reviews for Insurers in Illinois" alt="Auto Insurance Reviews for Insurers in Illinois" style="vertical-align: middle;" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" /><br /> <br /> </td> </tr> </tbody> </table> <h2><em><span style="text-decoration: underline;"><strong>Auto Insurance Quotes Online - Company&nbsp; Direct</strong></span></em></h2> There are a number of actual insurance companies offering car insurance quotes online. In this case you will be contacted directly from an insurance agent from that company to explained the quotes offered to you and, naturally, to try to sell you the insurance. Insurers offering direct online car insurance quotes include Progressive auto insurance, Allstate auto insurance, State Farm auto insurance, Farmers auto insurance companies as well as other known companies.<br /> <br /> The advantage of obtaining car insurance quotes online directly from insurers is that customers get firm prices with a carrier that they know about ahead of time. There are several disadvantages for this approach. First, the customer is really checking the rate with one carrier, and is not shopping from among several insurers. Second, in an effort to perfect the accuracy of heir quoting systems most of these carriers request extensive personal information such as complete names, social security numbers, dates of birth, VIN, driver's license numbers, and other personal information. Many shoppers find it awkward to provide accurate information to a company when they are only shopping. This will result in incomplete or inaccurate quotes offerings.<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Auto Insurance Quotes Online - Broker Direct</strong></span></em></h2> Many larger independent insurance agents who represent several insurance carriers have invested in instant auto insurance rating systems that will offer instant auto insurance quotes online, with a number of insurers that are represented by the independent broker. The quotes are offered simultanously with no need to re-enter information for each insurance company.<br /> <br /> The advantages to that approach is that the car insurance rates you get online represent the best or cheapest car insurance rates from among several insurance companies that are presented by the independent broker. This can save tremendous amount of time for the customer, and may yield the greatest saving. The major disadvantage of this approach is that the customer has to further research both the broker and the company offering the quotes to determine the quality of their customer and claim services.<br /> <br /> While you may or may not know the broker offering the car insurance quotes, having physical locations for the broker is a key issue. Virtual brokers, as you will learn next, may pose a challenge, especially if you have some customer service issues. Dealing with a broker with a physical address within your proximity may answer this concern. <br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Auto Insurance Quotes Online - Lead Generation Agents</strong></span></em></h2> There are a number of leads generation websites that normally offer online car insurance quotes. These websites collect your personal information and sell it to several agents in your area, perhaps five agents, more or less. After agents get the information each try to offer you a quote based on who they work for. In most cases you can distinguish those from independent broker by the lack of physical address. Virtual, leads generation websites do not do the actual insurance selling. They are just onlin.e marketing businesses.<br /> <br /> The advantage of leads generation website is that the shopper will get personal service when he/she later get phone calls from agents for further details or explanation of quotes. The disadvantages&nbsp; are many and they include the annoyance that clients go through when they get bombarded with phone calls from several agents in a short period of time right after a quote is requested.<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Auto Insurance Quotes Online vs Auto Insurance Quotes by Phone</strong></span></em></h2> Initiating an online auto insurance quote with a broker/ company in your area, followed by a phone call maybe the best approach. There is no doubt that visiting the actual location of the agent/ broker will even provide more security and assurance. This will allow you to maximize your savings, and at the same time will offer you some assurance of who you are dealing with, and ability to evaluate your choices.urn:uuid:70168068-2118-4293-8778-6a66409b8bf6<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg' align='left' />by Ed S. Chicago auto insurance specialist Commercial Auto Insurance Physical Damage Personal and commercial auto insurance policies are composed of mainly two fundamental coverages: Liability Insurance&nbsp; and Physical Damage. There could be oth...Tue, 24 Jan 2012 01:36:02 -0600by Ed S. Chicago auto insurance specialist<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Commercial Auto Insurance Physical Damage </strong></em></span></h2> Personal and commercial auto insurance policies are composed of mainly two fundamental coverages: Liability Insurance&nbsp; and Physical Damage. There could be other optional coverages involved such as towing &amp; rental. One of the significant portion of personal and commercial auto insurance is physical damage coverage.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Physical Damage Insurance</strong></em></span></h2> Physical damages insurance refers to the comprehensive and collision coverage in both personal and commercial auto insurance. In order to properly define comprehensive coverage, definition of collision is required first.<br /> <img width="347" height="231" src="/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg" style="border:6px solid #92d050;float: right;" alt="Specified Causes of Loss vs Comprehensive Insurance" longdesc="Specified Causes of Loss vs Comprehensive Insurance" /><br /> <h2><span style="text-decoration: underline;"><em><strong>Collision Auto Insurance</strong></em></span></h2> <br /> Collision auto insurance pays for damages caused&nbsp; to an insured vehicle which result from the vehicle colliding with another object&nbsp; (vehicle, wall, etc) or from the overturn of the vehicle. The coverage pays to repair the damaged vehicle itself after the insured pays the deductible, not anything else.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Comprehensive Auto Insurance</strong></em></span></h2> The second part of the physical damage coverage is called comprehensive coverage. Comprehensive auto insurance pays for damages caused to the insured vehicle which result from any loss other than collision, after the insured pays for the deductible first. <br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Specified Causes of Loss Insurance</strong></em></span></h2> Specified causes of loss is a common coverage that is frequently used as a cheaper alternative to comprehensive coverage in commercial auto insurance policies. Specified causes of loss offer less coverage than comprehensive coverage. For example: A specified causes of loss policy may limit coverage to Fire and Theft. In other words, the policy will specify what is covered, as opposed to 'any thing other than collision'. For that reason, specified causes of loss and comprehensive coverages cannot co-exist on the same policy because of duplicate coverage.<br /> <br /> Because of the limited coverage offered under the specified causes of loss, the cost is usually less. But the lower rate comes normally on the expense of relinquishing fundamental coverages that many commercial trucking businesses need for their aemi trucks/ vehicles.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Specified Causes of Loss Insurance Does Not Cover Falling Objects</strong></em></span></h2> For example, flood and falling objects may not be covered losses under certain specified causes of loss policies. If the truck is damaged by falling objects such as ice, trees, hail, or by flood or water damage the insurance company will pay if the policy contains comprehensive coverage, and will not pay for the damages if the coverage was the specified causes of loss, instead.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Specified Causes of Loss Insurance Does Not Cover Hitting Deers</strong></em></span></h2> Another important cause of loss is hitting animals. Hitting a deer can cause extensive damages to a semi truck when driving at high speed. Hitting a deer, or other animals, is normally covered under comprehensive coverage, and may not be covered under specified causes of loss (unless really specified in the policy).<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Specified Causes of Loss Insurance Does Not Cover Parked Autos</strong></em></span></h2> Hit and run is normally covered under comprehensive coverage section of the policy. If covered by 'specified causes of loss' instead of comprehensive then your company may not pay if your semi truck/ automobile is hit while parked by an unknown vehicle.urn:uuid:8d9a0ea2-b1ce-4a62-a78a-7a73beb788d8<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed S. Illinois auto insurance agent in Chicago Many people mistakenly think that cheap cars have cheap insurance rates and vice versa (ie cheap insurance rates mean cheap insurance). This is not true. There is very weak relationship between the c...Mon, 23 Jan 2012 23:22:11 -0600by Ed S. Illinois auto insurance agent in Chicago<br /> <br /> Many people mistakenly think that cheap cars have cheap insurance rates and vice versa (ie cheap insurance rates mean cheap insurance). This is not true. There is very weak relationship between the cot of auto insurance and the value of the insured vehicle.<br /> <br /> As labeled, the Personal Auto Policy is a <em>personal contract</em>. The consideration attributed to that contract has to do with the attributes of the person insured. The personal information in connection with that policy is what will determine the 'consideration', or the premium, that the insured person will pay for the coverage. The amount of auto insurance premium that you pay is a function of many personal variables including credit score, age, community, sex, prior driving records, and marital status.<br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border:4px solid #366092;float: right;" alt="cheap car insurance for cheap cars" longdesc="cheap car insurance for cheap cars Chicago Illinois" /><br /> For someone who has poor credit, lives in a high risk area, single, and young the premium to insure such a person is significantly higher than the premium charged to some mature and married person who has excellent credit and who lives in a low risk area. This statement is very true for liability insurance where most of the emphasis is placed on the character of the driver, not the metal (year make and model) of the vehicle to be insured.<br /> <br /> Even in situation where comprehensive and collision coverage is requested, the cost of insurance is heavily affected by the above factors. However, in this situation, the value of the vehicle will also be a factor in the equation of calculating car insurance cost.<br /> <br /> For that reason, the assumption that cheaper vehicles means cheap car insurance rates is not a valid assumption. <br /> <br /> <h2>Non Personal Factors Affecting Auto Insurance Rates</h2> As indicated above the value of the vehicle will have some effect on the cost of insurance. Some insurance carriers look at he symbol of the vehicle which represents the amount of risk assigned to that year, make and model of the automobile, and not its value.<br /> <br /> <h2>Deductibles on Liability Auto Insurance</h2> There is no deductible on personal liability auto insurance. Some companies may charge deductible for commercial automobile liability insurance. For that reason, deductible have no effect on the cost of liability insurance<br /> <br /> <h2>Deductibles on Comprehensive and Collision Insurance</h2> Deductible on comprehensive and collision insurance will have minimal effect on the cost of insurance, compared to other factors listed above. Generally speaking higher deductible means lower cost of insurance.urn:uuid:41468f78-8f3d-4bae-906a-59f6446470c0<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg' align='left' />by Ed S. Illinois Trucking Insurance Specialist in Chicago Varying Insurance Cost for Semi Trucks Why do some truckers pay more than their counterparts to insure their semi trucks or trailers?&nbsp; The answer is very simple: there are several truck...Mon, 23 Jan 2012 22:48:23 -0600by Ed S. Illinois Trucking Insurance Specialist in Chicago<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Varying Insurance Cost for Semi Trucks</strong></em></span></h2> Why do some truckers pay more than their counterparts to insure their semi trucks or trailers?&nbsp; The answer is very simple: there are several trucking insurers that set their rates based on different criteria, and while you and your friends may be operating similar trucking businesses, information offered to two insurers may lead to significantly higher or lower premiums.<br /> <br /> Important coverages required by trucking operations include the following types:<img width="384" height="255" src="/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg" alt="Liability Insurance for Trucking Operations" style="border:5px solid #ffc000;float: right;" longdesc="Primary, Bobtail, and Non trucking for Liability Insurance for Trucking Operations" /><br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Primary Liability Insurance for Trucking Operations</strong></em></span></h2> This is bodily injury and property that must be maintained by the trucking company. Trucking companies that are required to have federal or state filing must maintain a minimum of $750,000 combined single liability limits. The limit is $1 million for trucking business involving hauling hazardous material (HAZMAT). All semi trucks owned or leased by the trucking company must maintain primary liability coverage.<br /> <br /> Liability insurance rates for semi trucks are based on several factors. Most important factors include radius of operations, garaging ZIP code, age and driving history of driver, &amp; CDL experience of the driver. Progressive trucking insurance places extra importance on prior and continuous insurance of the client as well as the credit score of the business owner.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Cargo - Inland Marine Insurance Coverage</strong></em></span></h2> &nbsp;This is an inland property coverage on the merchandise hauled. The price vary on the radius of operation, insurance limits on value of the merchandise and, most importantly, type of merchandise. hauled. Insurance cost for cargo insurance runs from 1% on the most common type of paper product, plastic product, household supplies to as high as 5% (or more) on certain items like designer clothes, new vehicles, frozen food, etc.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Physical Damage for Semi Trucks &amp; Trailer Interchange Insurance</strong></em></span></h2> This is a comprehensive and collision coverage on the semi trucks and trailers listed on the policy. The cost of insurance ranges from 4% to 5% of the market value of the semi truck and trailers. There is a deductible that apply to physical damage coverage. The deductible normally runs at $1000 each occurrence.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Non Trucking Insurance Vs Bobtail Insurance</strong></em></span></h2> Owner operators who lease their equipment to a trucking company that maintains primary liability that covers those owner operators when they are under dispatch may require a non trucking or bobtail policy. While many agents use the same term to describe such coverage there is slightly different meaning for them. A Non-Trucking Liability policy covers claims that result when the owner operator is not under dispatch. A Bobtail Liability Policy covers losses&nbsp; which result when a trailer is not attached to the owner operator semi truck, regardless if or not the semi truck&nbsp; is under dispatch. <br /> <br /> Most carriers will not sell the non trucking policy or bobtail as mono line. They insist on also selling physical damage on the semi truck. Owners operators will not be looking to get primary insurance, trailers interchange insurance or cargo insurance. They will be covered for those under their lease agreement with the trucking company that leases their semi trucks.<br /> <br /> Major pricing factors include radius of operations, garaging ZIP code, age of the driver and CDL experience, and value of the semi truck. Progressive trucking insurance will also consider prior insurance experience of the owner operator.urn:uuid:52288d9b-cfca-44a6-a50e-5873c1e3e82f<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Fadi S, Illinois auto insurance specialist in Chicago Shopping for Cheap Cars Up During Tax Season The tax season for 2012 is coming and shopping for cars go up during the months of February and March every year. This is the time when many people...Mon, 23 Jan 2012 11:06:01 -0600by Fadi S, Illinois auto insurance specialist in Chicago<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Shopping for Cheap Cars Up During Tax Season</strong></span></em></h2> The tax season for 2012 is coming and shopping for cars go up during the months of February and March every year. This is the time when many people get their tax income refunds most of which are used for major purchases such as buying vehicles. Shopping for cars is a tedious task, and can be challenging too, especially if the goal was to <span style="text-decoration: underline;"><em><strong>getting </strong></em><strong><em>cheap cars</em></strong></span>. Many people spend days and weeks, perhaps months shopping for a car, as they want to get the <em>best deals on cheap cars</em>. When shopping for vehicles most people take in consideration the <span style="text-decoration: underline;"><em>cost of vehicle insurance</em></span> that they need to pay to make sure that the vehicle is properly covered and that they comply with the insurance laws.<br /> <img width="311" height="178" longdesc="Liability insurance for Cheap Cars in Chicago Illinois" alt="Liability insurance for Cheap Cars in Chicago Illinois" style="border: 5px solid #c0504d; float: right;" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" /><br /> This article is not about <em>how to locate cheap vehicles online</em> or from individual sellers in the market place and is not about any tips of how to choose cheap used cars. There is too much information available these days online about how to examine used cars before buying them. Although the number of used car dealers in Illinois continues to plummet the number of individual&nbsp; sellers and dealers offering <strong><span style="text-decoration: underline;"><em>cheap cars online</em></span></strong> is going on the rise.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Liability Insurance for Cheap Cars</strong></em></span></h2> The Chicago marketplace does not show any significant difference in the cot of <em><span style="text-decoration: underline;"><strong>liability insurance for cheap cars in Chicago Illinois</strong></span></em>. Regardless of the year, make and model of the car you purchase your&nbsp; auto liability cost is the same with the vast majority of insurers. This is true because liability insurance rates in Chicago Illinois are&nbsp; based on ZIP code, age, marital status, gender, and prior driving records of the applicant. Some insurers will also check the credit of the applicant before they issue a firm liability car insurance quote.<br /> <br /> However there are auto insurance companies in Chicago (minority) that set their liability car insurance rates based on the symbols of the vehicles, not the values of the vehicles. When using the symbol system in rating, liability vehicle insurance rates may go up or down based on the symbol of the vehicle. Vehicle symbol is an indicator of risk and claim factors in connection with that specific auto year, make, and model.<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Full Coverage Insurance for Cheap Cars</strong></span></em></h2> It is not recommended to get <strong><span style="text-decoration: underline;"><em>full coverage insurance for cheap cars</em></span></strong>. For many insurers, if the cost of repair to a damaged vehicle is in the vicinity&nbsp; of 80% of the actual cash value of that vehicle then the company my just total the vehicle and pay the value. Many insurers will take into account the mileage of the damaged vehicle, prior damage including rust, and purchase price before they decide the final value to be paid to the customer.<br /> <br /> In some instances the annual cost of comprehensive and collision insurance on a cheap vehicle plus the deductible (which must be paid by the insured if there is a claim) is more than the actual cash value of the totaled vehicle. For that reason, getting comprehensive and collision coverage on older or cheap vehicles is not recommended, unless it is required by a lienholder.urn:uuid:a9d6997e-b157-46f8-8a93-1029acb230af<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed S. Illinois auto insurance specialist in Chicago Auto Insurance by Phone Modern methods of communications such as the internet, fax, and phone have allowed people to get close together. With the advancement of social media such as Facebook, T...Mon, 23 Jan 2012 00:15:33 -0600<em><strong>by Ed S. Illinois auto insurance specialist in Chicago</strong></em><br /> <br /> Auto Insurance by Phone<br /> <br /> Modern methods of communications such as the internet, fax, and phone have allowed people to get close together. With the advancement of social media such as Facebook, Twitter, and other media the world is becoming smaller, just like a small village. <br /> <br /> <h2>Shopping for Auto Insurance</h2> People may shop for auto insurance by three different methods:<br /> <ul> <li>Personal visits to insurance agencies/ agents for quotes. </li> <li><em>Getting auto insurance quotes by phone</em>.</li> <li>Obtaining auto insurance quotes by the internet. <img width="329" height="188" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border:5px solid #c4bd97;float: right;" alt="auto insurance by phone" longdesc="auto insurance by phone" /></li> </ul> This article will deal with getting auto insurance quotes by the phone.&nbsp; Phone shopping is one of the best way for <em>shopping for auto insurance</em>. The following lists the advantages and disadvantages of <em>getting auto insurance by phone</em>:<br /> <br /> <h2>Auto Insurance by Phone: Advantages</h2> 1. Save Time: <em>Auto insurance by phone</em> is more effective than getting insurance by visiting agents. The time you spend to visit one agent may just be enough to get five or more car insurance quotes by phone.<br /> 2. Live Help. Compared to internet shopping, auto insurance by phone will allow you to ask question and get immediate response.&nbsp; Online auto insurance quotes does not allow the same level of interactivity. &nbsp;<br /> <br /> <h2>Car Insurance by Phone: Disadvantages</h2> Major disadvantages of <em>car insurance by phone</em> include problems related to the serviceability and claims of the agency/ agents offering the car insurance quotes. There are lots of institutions that advertise online car insurance that do nothing but collect data and sell it to other agents. When you call for a quote the company offering the service will go ahead and sell your information to a number of agents who purchase the leads from that company.&nbsp; Then agents will be calling you with quotes.<br /> <br /> Also, visiting car insurance agents gives the customer better impression about the claims the insurance agent/ agency claim for themselves with regard to friendly service, accessibility,&nbsp; availability, and representations of insurance companies.<br /> <br /> Another major disadvantage for auto insurance by phone is related to quality of insurance. Insurance agents offering quotes by phone focus on offering the lowest auto insurance rates, not the best or highest quality insurance plan. Attention needs to be paid to quality of insurance when it is completed by phone. It is always recommended to tell the agent exactly what you want before an auto insurance rate is obtained.<br /> <br /> car insurance by phone should always be considered&nbsp; in connection with other options such as online auto insurance and personal visits to procure car insurance quotes.urn:uuid:ecf039d4-cf98-4048-b003-99157385f8fa<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/commercial_auto_insurance_Chicago_Illinois.jpg' align='left' />by Ed S, Illinois commercial auto insurance specialist in Chicago Snow plowing vehicles insurance The subject of insuring autos used in connection with removing snow is not uncommon in Chicago where snow removal requires constant and dedicated serv...Sun, 22 Jan 2012 21:52:10 -0600by Ed S, Illinois commercial auto insurance specialist in Chicago<br /> <br /> <h2>Snow plowing vehicles insurance </h2> The subject of insuring autos used in connection with removing snow is not uncommon in Chicago where snow removal requires constant and dedicated services during the winter season. The scope of operation of the <em>snow removal services</em> will determine the nature of insurance coverage required.&nbsp; For example, large contractors that work with municipal and airport authorities need significantly different insurance than that which Joe The Plower needs to remove the snow from his neighboring store parking lot.<br /> <br /> Using personal vehicles to remove snow is not unusual. Despite the fact that many companies exclude accidents resulting from snow plowing, those that do not clearly exclude it will make sure that any commercial use of the vehicle (including using your persona vehicle to plow the snow at your neighbor home for a fee), will not be covered under your personal auto policy.<br /> <br /> For your personal auto policy to cover snow plowing, it must be explicitly&nbsp; endorsed for that purpose. Using a vehicle that is insured with a personal auto policy&nbsp;to commercially plow snow is unwise. Any damage that is caused by a snow plowing vehicle will not be paid if the insurance coverage on that vehicle is personal. If you use your own personal auto to plow the driveways of your own properties then you may not need any special insurance. Remember, however, that destroying your own property with your own vehicle may not be covered under your own auto policy.<br /> <br /> <h2>Liability Insurance for Snow Plowing Trucks</h2> For individuals who run their one man snow plowing service, a commercial policy is necessary. The amount of coverage vary, but cannot be less than what the State of Illinois require for auto insurance. The State of Illinois require that you have a minimum of $20,000 bodily injury per person, $40,000 bodily injury per accident and $15,000 property damage per accident. Also, similar limits of $20,000 bodily injury per person, $40,000 bodily injury per accident are required for Uninsured Motorists coverage.<br /> <br /> <h2>Physical Damage Insurance for Snow Plowing Vehicles</h2> Snow plowing services may also find it important to get comprehensive and collision coverage for the snow plowing vehicles. Certain snow plowing trucks that have lienholders may be required to have physical damage coverage. <br /> <br /> <img width="396" height="229" longdesc="Business auto insurance and truck insurance in Chicago Illinois" alt="Commercial auto insurance Chicago Illinois" style="border: 5px solid #7030a0; float: right;" src="/img/%7Ewww.insurancenavy.com/commercial_auto_insurance_Chicago_Illinois.jpg" />Cost of Insurance for Snow Plowing Trucks<br /> <br /> The cost to insure snow plowing equipment depends&nbsp; on the garaging ZIP code of the business autos, limits of liability coverage requested, age and driving records of the designated drivers. Some insurers will also take in to account the credit history of the owner of the snow plowing service and if or not the business maintained continuous liability insurance or not. If full coverage is sought then the value of the snow plowing vehicles and coverage deductible will determine the premiums for the full coverage (comprehensive and collision.)<br /> <br /> <h2>Snow Plowing Contractors Insurance</h2> Snow plowing contractors plowing for larger businesses or strip malls may be required to carry higher liability limits on their snow plowing autos and trucks, perhaps $1 million each occurrence. Low liability limits may disqualify lots of snow plowing contractors from getting contracts with larger instructions &amp; municipalities.<br /> <br /> Besides insuring their snow plowing trucks, larger snow removal businesses may need to get insurance for their commercial general liability,&nbsp; workers compensation insurance, property insurance for their offices, and any other contractors tools.<br /> &nbsp;&nbsp;&nbsp;urn:uuid:ff9f1732-8595-4235-8dfc-79a4cff82d0e<img src='http://www.insurancenavy.com/img/~www.insurancenavy.com/sr22%20708.jpg' align='left' />by Ed S. Agente de seguros de autos en Chicago Illinois Que es SR22 SR22 no es un nuevo tipo de seguro. SR22 en Illinois es un m&eacute;todo de hacer la poliza regular de seguro de auto. En muchos Estados, incluido el Estado de Illinois seguro SR22 e...Sun, 22 Jan 2012 15:33:30 -0600by Ed S. <strong><em>Agente de seguros de autos en Chicago Illinois</em></strong><br /> <h2>Que es SR22</h2> SR22 no es un nuevo tipo de seguro. SR22 en Illinois es un m&eacute;todo de hacer la poliza regular de seguro de auto. En muchos Estados, incluido el Estado de Illinois seguro SR22 es un t&eacute;rmino usado para describir su poliza de seguro de autom&oacute;vil cuando se hace para cumplir con ciertos requisitos legales encargados por el Estado.&nbsp; En Illinois seguro SR22 es una pol&iacute;tica de seguro de autom&oacute;vil. La SR22 poliza obligatoria que debe ser presentada (informado) por la compa&ntilde;&iacute;a de seguros por escrito la poliza con el Estado de Illinois. <h2><img style="border-color: #ff0000; float: right;" alt="Seguro SR22 en Chicago Illinois" src="/img/~www.insurancenavy.com/sr22%20708.jpg" longdesc="que es sr22 Qui&eacute;n necesita Seguro SR22 de Illinois?" />Quien necesita Seguro SR22 de Illinois?</h2> El Estado de Illinois le enviar&aacute; notificaci&oacute;n a las personas que deben tener SR22. Ejemplos de personas que necesitan SR22:<br /> &bull; Los operadores con varios tr&aacute;fico / seguridad boletos<br /> &nbsp;&bull; Los operadores con boleto de DUI<br /> &nbsp;&bull; Operar un veh&iacute;culo sin seguro y la imposibilidad de presentar prueba de seguro<br /> &nbsp;&bull; Los juicios contra los operadores que causan los accidentes anteriores y que no pod&iacute;a pagar por la resoluci&oacute;n / accidente.<br /> &nbsp;&bull; Los operadores que se boleto por conducci&oacute;n temeraria<br /> &nbsp;&bull; Otras boletos/ citas graves (tr&aacute;fico de alcohol / tabaco, homicidio involuntario, etc) <h2>SR22 de Licencias de Mexico</h2> La ley no requiere que usted tenga licencia S22 para M&eacute;xico. Si se rompe la ley de tr&aacute;nsito, cuando usted tiene una licencia mexicana, sin licencia de America, luego. El Estado de Illinois le dar&aacute; un n&uacute;mero de licencia. Usted tiene que hacer SR22 poliza para ese n&uacute;mero. Cuando usted hace la poliza de SR22, el agente de seguros le pedir&aacute; ese n&uacute;mero. <h2>Cual es el costo SR22 en Chicago Illinois?</h2> Similar a un seguro de auto regular, Illinois tasas de seguro SR22 variar en funci&oacute;n de varios factores tales como el c&oacute;digo postal del solicitante, edad, estado civil, g&eacute;nero, as&iacute; como antes de los registros de conducci&oacute;n. Algunas compa&ntilde;&iacute;as de puede verificaci&oacute;n de cr&eacute;dito del solicitante. Tipo de veh&iacute;culos no pueden afectar el costo de la pol&iacute;tica SR22, a menos que el cliente decide comprar una p&oacute;liza de cobertura completa con una amplia cobertura y la colisi&oacute;n.urn:uuid:4c9bc894-7ebf-45fe-be50-43602febd554by Rami S. Illinois auto insurance agent in Chicago Non owner insurance is an auto insurance coverage that offers bodily injury and property damage to others while operating other people's vehicles. Coverage offered is for liability and no physical ...Sun, 22 Jan 2012 01:36:55 -0600by Rami S. Illinois auto insurance agent in Chicago<br /> <br /> Non owner insurance is an auto insurance coverage that offers bodily injury and property damage to others while operating other people's vehicles. Coverage offered is for liability and no physical damage is offered for the vehicle that is being operated. There are several uses for non owner auto insurance which may include:<br /> <br /> 1. A large portion of&nbsp; people who get a personal non owner auto insurance policy do that to comply with certain requirements, to get an SR22 or financial responsibility at a time when they do not have a vehicle to insure. The non owner auto insurance policy that you get and filed with the State is referred to as a 'Non Owner SR22 Insurance'.<br /> 2. A very small portion of people will get the non owner as an extra protection to be used in connection with them driving other people's vehicles.<br /> <br /> <h2>Common Problems Associated With Non Owner Insurance</h2> The major problem affiliated with the non owner insurance is that the 'non owner will cover you on any vehicle that you own.' While this statement is very true, notice that the word 'you'&nbsp; does not mean the 'vehicle' you are driving. State laws require the 'vehicle' to be covered. For that reason, if you drive an uninsured vehicle you will be breaking the law, even if you have the proper non owner insurance.<br /> <br /> Non owner insurance is called 'Excess Insurance', which means it will pay after some other 'primary insurance' is exhausted. Regular auto insurance is a primary insurance, which means that any time there is an at fault accident, the vehicle insurance, not any non owner, will have to be used first. For that reason, if you get in a car accident using your Dad's 2011 Cadillac vehicle which has full coverage, your Dad's carrier may not pay if you are not listed on his policy, and your policy may pay only the liability portion of the damage (will not fix your Dad's vehicle).<br /> <br /> Another common problem associated with personal non owner insurance is business use.&nbsp; While there is a similar business coverage that exists on most business owner policies, this personal non owner insurance will not cover any thing if the insured person was using a vehicle for business purposes such as delivery, or messenger service.<br /> <br /> A non owner policy should never be looked at as a primary coverage. It is there to provide 'excess protection' or extra protection in case the main insurance does not offer coverage under the circumstance.urn:uuid:adf4a77b-f0fe-4c63-a1a0-9df8e8fef007<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />by Rami sneneh, Illinois SR22 Insurance Expert Insurance Navy Definition of SR22 Insurance SR22 is not a new line of insurance products or services available in the markets. For example, there is something called home insurance, car insurance, life i...Fri, 20 Jan 2012 12:41:16 -0600<em>by Rami sneneh, Illinois SR22 Insurance Expert</em><br /> Insurance Navy<br /> <h2><span style="text-decoration: underline;"><strong>Definition of SR22 Insurance</strong></span></h2> SR22 is not a new line of insurance products or services available in the markets. For example, there is something called home insurance, car insurance, life insurance, etc. but there is no specific line called SR22 insurance. In many States including the State of <em>SR22 insurance</em> is a term used to describe your regular auto insurance policy when it is done to meet certain legal requirements mandated by the State.<br /> <br /> In <em>Illinois, SR22 insurance</em> is a mandatory car insurance policy that needs to be filed (reported) by the insurance company writing the policy with the State of .&nbsp; Few years ago, the process of filing <em>SR22 insurance</em> was manual. The insurance carrier would issue the policy, issue a certificate of SR22 filing, provide the client a 'pink' copy of the certificate, then mail the certificate to the State of Illinois. Depending on the speed of the employees of the insurance company, the speed of the postal staff, and the employees at the State of Illinois who process the SR22 certificate and enter it in the system, the whole process would take 3-4 weeks.&nbsp; Some customers would physically take the pink slip to the Secretary of State in the Chicago Downtown area to accelerate the process.<img width="324" height="213" longdesc="Get online auto and SR22 insurance rates in Chicago Illinois" style="border: 6px solid #00b0f0; float: right;" alt="Illinois SR22 Insurance Rates" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /><br /> <br /> Although very few companies are still using the old way, most insurers now are using different methods. Using the backbone of the internet, auto insurance companies in Illinois are now accessing the State of Illinois computer systems, allowing them to validate the presence of an <strong><span style="text-decoration: underline;"><em>SR22 insurance certificate</em></span></strong>. If the SR22 insurance is cancelled for any reason including non-payment of your SR22 insurance monthly payment, the company would do the same by inputting an SR26, or the cancellation of the <em>SR22 insurance certificate</em>. Driving privileges may be immediately suspended in that case.<br /> <br /> <h2><strong><span style="text-decoration: underline;">Who Needs SR22 Insurance Filing?</span></strong></h2> People who break the traffic/ insurance codes are normally people who need an SR22 insurance filing. You could be the most law abiding citizen in Illinois, with super clean MVR, excellent history, but once you get pulled over by a cop driving your boyfriend's uninsured vehicle then you are ruled to be a law breaker, hence will be required to have SR22 filing.<br /> <br /> SR22 insurance is mandate from the State of Illinois to force people to be more financial responsible. SR22 insurance is a form of financial responsibility that certain operators need to prove to the State in order to keep their driving privileges intact.<br /> <br /> People need SR22 insurance:<br /> Operators with several traffic/ safety citations<br /> &bull;&nbsp;&nbsp; &nbsp;Operators with DUI citations<br /> &bull;&nbsp;&nbsp; &nbsp;Operating an uninsured vehicle and inability to show&nbsp; proof of insurance<br /> &bull;&nbsp;&nbsp; &nbsp;Judgments against operators that cause previous crashes and could not pay for the judgment/ crash.<br /> &bull;&nbsp;&nbsp; &nbsp;Operators who get cited for reckless driving<br /> &bull;&nbsp;&nbsp; &nbsp;Other serious citations (alcohol/tobacco trafficking, involuntary manslaughter, etc.)<br /> <br /> <h2><span style="text-decoration: underline;"><strong>SR22 Liability Limits</strong></span></h2> The liability limits on SR22 insurance is similar to that of the regular insurance. The mandatory liability insurance limits in Illinois is $20,000 bodily injury per person per accident, $40,000 bodily injury for all persons per accident, and $15,000 property damage per accident. Also mandated by the State of Illinois is the Uninsured Motorist Coverage in the amount of $20,000 bodily injury per person per accident, $40,000 bodily injury for all persons per accident. Medical Payments and Underinsured Motorist coverage are not mandatory in Illinois. However, Underinsured Motorist coverage must be offered by companies if insured people choose higher liability than the State minimum, and if client rejects this coverage State rules requires the rejection to be in writing.<br /> <h2><strong><span style="text-decoration: underline;">Does SR22 Insurance Cost More?</span></strong></h2> <em>Illinois SR22 insurance rates</em> are not higher than regular <em>auto insurance rates</em>. However, because most people who need <em>SR22 insurance</em> have their driving privileges suspended at the time of writing the SR22 policy and/ or have issues with their MVRs, SR22 insurance rates may seem higher. <br /> <br /> <h2>How Much Does SR22 Insurance Cost?</h2> Like regular auto insurance, SR22 insurance rates vary based on several factors such as applicant's ZIP code, age, marital status, gender, as well as prior driving records. Some standard carriers may check credit of the applicant also. Type of vehicles may not affect the cost of SR22 policy, unless the customer decides to purchase a full coverage policy with comprehensive and collision coverage. <br /> <br /> <strong><em>SR22 insurance rates in Chicago</em></strong> vary and they follow the same patterns of regular auto insurance. Because of the large numbers of companies offering SR22 insurance in Chicago, the rates get really affordable. <br /> <span style="text-decoration: underline;"><strong><br /> </strong> <h2>Can You Get SR22 Insurance for A Month?</h2> </span>Most <em>car insurance companies</em> insist on writing policies with <em>SR22 insurance</em> filing for a year. Fewer car insurance companies may do it for 6 months.&nbsp; But there is no auto insurer that will write an SR22 insurance policy in Illinois for less than 6 months.<br /> <br /> If you need temporary <em>SR22 insurance</em> filing, you may get a regular car insurance policy for 6 or 12 months, then cancel it at a date that you choose, after you make sure that the State is not requiring it from you. If you have an auto policy with the SR22 removing the SR22 insurance filing will not affect the price with most carriers. <br /> <br /> There is no cancellation penalty for canceling auto insurance before expiration date. The same is applied to SR22. Companies will not charge you more because you cancel your insurance. However, bear in mind that some companies may charge policy fees, an amount that is constant, regardless of how long you keep your SR22 insurance.<br /> <br /> <h2><span style="text-decoration: underline;">SR22 Insurance and Car Insurance in One Auto Policy</span></h2> Yes, and that how it should be. You do not need two separate policies for SR22 insurance and regular auto insurance. Once a regular <em>auto insurance</em> policy is filed with the State, it becomes an SR22 insurance. If you have two separate insurance policies, one for SR22 and one for regular auto then you have duplicate coverage. Duplicate coverage is not necessary unless justified.<br /> <br /> <strong>Reasons to Have Two Insurance Policies</strong><br /> <br /> There are few instances where it will be a better idea to have duplicate coverage, or owning two separate policies, one for Illinois SR22 and one regular auto insurance:<br /> <br /> 1. If you already have a regular auto policy with a company that you like, and you do not wish to change your insurance, suddenly you become required to have an <em>SR22 insurance</em>. You call your agent who tells you 'Sorry the company you are with does not offer SR22 insurance filing.'<br /> <br /> There are few auto insurance companies in Illinois that do not offer <em>SR22 insurance</em> filing. Those companies, mostly good carriers, do not have the mechanism, and perhaps they do not want to have the mechanism, to file <em>SR22 insurance</em>. At this point, it is your personal choice to keep your regular auto insurance with your present company and get new SR22 policy somewhere else, or simply cancel your regular policy with your present carrier, and get an altogether&nbsp; new policy that includes the regular auto coverage with he SR22 filing.<br /> <br /> 2. Cost Reason. Generally speaking, for certain young drivers (under age 25) who also are seeking comprehensive and collision coverage on their vehicles, getting two separate policies may prove to be cost effective. In some instances the cost of getting two separate policies is less than the cost of having one policy with a particular insurance carrier.<br /> <br /> Your insurance agent should be able to assist you in determining what's best for you. However you need to keep your agent what you are trying to accomplish.<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Non-Owner SR22 Insurance</strong></span></em></h2> <br /> Illinois operators&nbsp; who need <em>SR22 insurance </em>filing but do not own a vehicle can get an Sr22 policy filed by obtaining a non-owner SR22 insurance policy. The benefits of having a non-owner SR22 include:<br /> 1. Allowing you to have your financial responsibility filed, without a need for owning an auto or auto insurance.<br /> 2. Extra liability protection offered to you while you are operating other insured vehicles. Generally, if you get involved in an at fault accident, your non owner insurance will kick in once the vehicle's primary insurance is exhausted.<br /> 3. Non owner insurance typically costs less than regular auto insurance, with or without SR22 filing.<br /> <br /> <h2><span style="text-decoration: underline;"><strong>Non-Owner SR22 Insurance Misconception</strong></span></h2> Many people think that the Non owner insurance, with or without SR22 filing, will allow the insured person to lawfully drive any vehicle. There are several issues that need to be clarified here:<br /> <br /> 1.&nbsp; Non owner auto insurance, with or without SR22 filing, provides extra protection. Extra does not mean 'primary'. In other words, the vehicle must be insured. If you get pulled over driving an uninsured vehicle you are breaking the law, even if you have a non-owner policy with or without SR22 filing.<br /> 2. Non owner insurance offered in connection with personal insurance does not offer any protection if used in connection with business activity. For example, your personal non owner insurance, with or without SR22 filing, has no value when it is used in connection with driving a pizza delivery vehicle, regardless if the vehicle is insured or not.<br /> <br /> <h2>Same Day SR22 Insurance</h2> Many SR22 insurers can issue the <em><strong>SR22 insurance same day</strong></em>. However the filing process may take longer, as indicated above. Under certain circumstances with certain insurers, an agent may manage to get the same day SR22 insurance issued and filed. This may be possible if the SR22 is sought in the morning hours on a business day. Underwriters at insurance companies may be able to get the job done by <strong><span style="text-decoration: underline;"><em>instant filing of SR22 insurance</em></span></strong> coverage with the State.urn:uuid:424d4840-0c6f-4626-b651-0ffa25ed1553<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' />by Fadi Snaineh, Illinois tow truck insurance specialist in Chicago Towing of Trespassing Vehicles The State of Illinois allows owners of private property who have unauthorized vehicles parked on their premises to have these vehicles be removed fro...Fri, 20 Jan 2012 00:10:03 -0600by Fadi Snaineh, Illinois tow truck insurance specialist in Chicago<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Towing of Trespassing Vehicles</strong></em></span></h2> <br /> The State of Illinois allows owners of private property who have unauthorized vehicles parked on their premises to have these vehicles be removed from the private premises.&nbsp; The process is normally regulated by local municipalities and counties' local ordinance. <br /> <br /> The State of Illinois allows counties and local authorities that choose to have the process fall under the regulations of the Illinois Commerce Commission (ICC).&nbsp; The delegation of this authority is done under the Illinois Commercial Relocation of Trespassing Vehicles Law.&nbsp; In Illinois, private property owners have the right to have unauthorized vehicles removed from their premises. Ordinarily these actions are regulated by, and subject to, local ordinances.&nbsp; At the moment, the Illinois Commerce Commission regulates the towing operations of less than 100 licensed towing businesses in the counties of Cook, DuPage, Kane, and Will <br /> <br /> The Law, TITLE 92: TRANSPORTATION, CHAPTER III: ILLINOIS COMMERCE COMMISSION SUBCHAPTER d: PART 1710 RELOCATION TOWING; deals with different aspects related t o the towing of trespassing vehicles, such as the application for the towing &amp; dispatching services, prohibited activities, requirements for postings of signs, identification of vehicles, notifications procedures, record keeping &amp; reporting. The Law also regulates the reclamation of the vehicles, fees charged by towing <img longdesc="Illinois tow truck insurance in Chicago" style="border: 6px solid #366092; float: right;" alt="garage tow truck insurance Illinois" src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" />services, storage lots, disposition of unclaimed vehicles. Insurance requirements for towing of trespassing vehicles is one of the most important aspect of the law.&nbsp; This law does not influence the towing of autos&nbsp; left on public highways, repossession businesses, autos that are towed at police request, and other normal towing businesses that tow disabled vehicles.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Insurance requirements for towing of trespassing vehicles in Illinois</strong></em></span></h2> <br /> Insurance requirements for towing of trespassing vehicles in Illinois are similar to insurance requirements required by other towing businesses. Basically businesses of towing trespassing vehicles are required to carry a minimum liability insurance of $750,000; similar limits on garage liability and garagekeepers liability insurance. Also, towing businesses may need to have physical damage on own trucks and commercial liability covering the trespassing operations. <br /> <br /> Customers and businesses can submit further inquiries, comments and complaints to:<br /> <br /> &nbsp; ILLINOIS COMMERCE COMMISSION POLICE<br /> &nbsp; 9511 W. Harrison Street Des Plaines, Illinois 60016<br /> &nbsp; Tel (847)294-4326 Fax # (847)294-4332urn:uuid:e41361f9-9afc-40c5-947c-1aa20aa2a482<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' />by Edward Sneneh, Chicago tow truck insurance licensed expert Tow truck businesses in Illinois are required to meet certain insurance requirements before a permit is issued to them by the State of Illinois to practice their towing operations. Illino...Thu, 19 Jan 2012 10:02:30 -0600<em>by Edward Sneneh, Chicago tow truck insurance licensed expert</em><br /> <br /> Tow truck businesses in Illinois are required to meet certain insurance requirements before a permit is issued to them by the State of Illinois to practice their towing operations. Illinois tow truck businesses are required to carry tow truck liability insurance coverage, garage liability insurance for the towing business, &amp; on hook insurance for the trucks.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Tow Tuck Liability Insurance in Illinois</strong></em></span></h2> <br /> <em>Liability insurance for tow trucks in Illinois</em> is mandated by the State. A minimum of $750,000 liability limits is required for all towing operations that runs an Intrastate trucking operations which require an ILDOT permits and need to be licensed as 'tow truck for hire' by the State. A liability certificate must be filed by the insurance carrier directly with the State.<br /> <img src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" alt="Chicago Tow Truck Insurance" style="border:6px solid #c00000;float: right;" longdesc="Tow Truck Insurance in Illinois: Garage Liability Coverage, On Hook Legal Liability Insurance" /><br /> <h2><span style="text-decoration: underline;"><em><strong>On Hook Insurance for Tow Trucks</strong></em></span></h2> <br /> <em>On Hook insurance covers</em> vehicles owned by the customers while the vehicles are 'on the hook' or 'in tow'. It is one form of Garagekeepers liability. On Hook Insurance is a physical damage insurance coverage offered by insurers on legal liability basis (as opposed to the better form known as Garagekeepers Direct Primary.) On hook does not cover vehicles towed while in storage and towing businesses that store customers vehicles are urged to obtain that 'off hook insurance'.&nbsp; On Hook insurance must be filed with the State of Illinois for an ILDOT to be issued.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Tow Truck Physical Damage Insurance</strong></em></span></h2> <br /> An optional coverage is called Tow Truck Physical Damage Insurance, a coverage that provides protection for comprehensive and collision losses resulted to the towing trucks. Owners of older and less expensive trucks may not find this coverage important. However, tow trucks that have lienholders listed may be required to have this coverage.<br /> <br /> <h2><span style="text-decoration: underline;"><em><strong>Garage Liability for Tow Trucks in Illinois</strong></em></span></h2> <br /> Perhaps the most unfamiliar coverage relevant the Illinois towing business is the <em>Illinois Garage Liability for Tow Trucks</em>. If tow truck businesses have the legally required <span style="text-decoration: underline;"><em>tow tuck liability insurance</em></span> &amp; the <em><span style="text-decoration: underline;">on hook insurance for tow trucks</span></em>, why do they still need the garage liability for their towing businesses?<br /> <br /> The liability insurance offered on the tow trucks cover only auto accidents related to the trucks scheduled on the policy. <em>Any accident that does not involve the operation of the scheduled trucks will not be covered. For that reason, any property damages or bodily injuries that are caused by the towing business, but are not resulting from the operation of the scheduled truck would not be covered.</em><br /> <br /> But there are many examples where the towing business may cause property damages or bodily injuries from the operations of the business, other than the operation of the tow trucks. For example the tow truck driver or helper may cause property damage or bodily injuries to others while preparing a tow (not from using or while driving the tow truck.)&nbsp; <em><span style="text-decoration: underline;">Damages and injuries caused in the course of running the tow truck, but not from using the tow trucks, are covered under garage liability</span></em>.urn:uuid:8a7c98bc-7554-418c-98f8-a446a25a22e6<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Edward Snanh, Illinois auto insurance agent in Chicago Mejor seguro de auto tiene que: &nbsp;1. La p&oacute;liza de seguro debe proteger su riqueza, el ingreso y la propiedad. Si usted es rico (con gran riqueza), se necesita una pol&iacute;tica d...Sun, 15 Jan 2012 02:04:09 -0600by Edward Snanh, Illinois auto insurance agent in Chicago<br /> <br /> Mejor seguro de auto tiene que: <p>&nbsp;1. La p&oacute;liza de seguro debe proteger su riqueza, el ingreso y la propiedad. Si usted es rico (con gran riqueza), se necesita una pol&iacute;tica de seguros de coche para proteger su dinero y la riqueza. Los ricos deben tener p&oacute;liza de seguro con los l&iacute;mites de la alta responsabilidad. Algunas compa&ntilde;&iacute;as de seguros no tienen l&iacute;mites m&aacute;s altos de responsabilidad. La gente tiene que tener cuidado para obtener la "<em>p&oacute;liza de seguro correcta</em>".</p> <p>2. Seguro de autom&oacute;vil asequible. Si el seguro <em><strong>de autom&oacute;vil no es asequible o barato</strong></em>, entonces existe la posibilidad de que la gente cancelar el seguro porque no pueden pagar las cuotas mensuales.</p> <p>Tenemos la suerte en Chicago porque hay muchas compa&ntilde;&iacute;as de seguros y tenemos muchas opciones. Agentes de seguros de autom&oacute;viles independientes puede ayudarle. Estos agentes son distribuidor oficial autorizado para vender seguros con muchas compa&ntilde;&iacute;as de seguros.<br /> <br /> </p> <table align="right" width="627" height="454" style="border: 3px groove #00b0f0; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span>&nbsp; Agente de seguros de autom&oacute;viles independiente en Chicago Illinois. La agencia&nbsp;ofrece y vende&nbsp; <span style="text-decoration: underline;"><em>seguro de coche barato, seguro de SR22 para Illinois, seguros de negocio, y seguros de casa</em></span>. La agencia representa a muchas compa&ntilde;&iacute;as de aseguranza en Chicago Illinois.<br /> <br /> <div class="gt-tgt-lang-sugg-message je" id="gt-tgt-lang-sugg"></div> <div class="almost_half_cell" id="gt-res-content"> <div dir="ltr"> <div id="tts_button"></div> La agencia tiene muchas oficinas en Chicago Illinois. <br /> </div> </div> <br /> <img width="300" height="191" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="vertical-align: middle;" alt="Auto Insurance Reviews for Insurers in Illinois" longdesc="Chicago Auto Insurance Reviews for Insurers in Illinois" /><br /> <br /> </td> </tr> </tbody> </table>urn:uuid:27f8b4d1-820b-4b8d-9e07-becd7090d7ef<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />&nbsp;by Ed Sneneh, Illinois Car Insurance Agent in Chicago Insurance Navy There are many Illinois auto insurers operating in the Chicago and suburban areas trying to get the business of several millions of the Chicago and suburban areas residents. B...Fri, 13 Jan 2012 09:50:54 -0600<p>&nbsp;by Ed Sneneh, Illinois Car Insurance Agent in Chicago<br /> Insurance Navy</p> <p>There are many Illinois auto insurers operating in the Chicago and suburban areas tryi<img width="247" height="161" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="border-width: 3px; border-style: solid; float: right;" alt="Illinois SR22 Insurance Rates" longdesc="Auto Insurance Rates in Chicago Illinois" />ng to get the business of several millions of the Chicago and suburban areas residents. Because of the intensity of completions, various auto insurance rates exist. Understanding the structure of the rates is very hard, especially that they do not follow any patter (perhaps due to the significant differences in the social and economic cultures of the Chicago area.)<br /> <br /> Below is a table that can be used to illustrate the way auto insurance rates vary from city to city. In the City of Chicago, rates do change based on ZIP codes. Two Chicago residents with similar criteria may be paying different car insurance rates just because they live in two different ZIP codes across the street from each others!</p> <h2><span style="font-size: 10px;">Auto Insurance Rates Calculator in Chicago Illinois Areas</span></h2> <table cellspacing="0" cellpadding="0" border="1" style="border-collapse: collapse; border: medium none;"> <tbody> <tr style="height: 17.25pt;"> <td valign="top" style="width: 131.4pt; border: 1pt solid windowtext; padding: 0in 5.4pt; height: 17.25pt;" rowspan="2" colspan="2"> <p>&nbsp;</p> <p>&nbsp;</p> </td> <td valign="top" style="width: 2.5in; border-width: 1pt 1pt 1pt medium; border-style: solid solid solid none; border-color: windowtext windowtext windowtext -moz-use-text-color; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 5.4pt; height: 17.25pt;" colspan="2"> <h2><span style="font-size: 10px;">Auto Insurance Chicago 60630</span></h2> </td> <td valign="top" style="width: 171pt; border-width: 1pt 1pt 1pt medium; border-style: solid solid solid none; border-color: windowtext windowtext windowtext -moz-use-text-color; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 5.4pt; height: 17.25pt;" colspan="2"> <h2><span style="font-size: 10px;">Auto Insurance Melrose Park 60160</span></h2> </td> </tr> <tr style="height: 10.1pt;"> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 10.1pt;"> <p><span style="font-size: 10px;"><strong>Basic Auto Liability Insurance Rates</strong></span></p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 10.1pt;"> <h2><span style="font-size: 10px;"><strong>Full Coverage Auto Insurance Rates</strong></span></h2> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 10.1pt;"> <h2><span style="font-size: 10px;"><strong>Basic Auto Liability Insurance Rates</strong></span></h2> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 10.1pt;"> <p><span style="font-size: 10px;"><strong>Full Coverage Auto Insurance Rates</strong></span></p> </td> </tr> <tr style="height: 16.65pt;"> <td valign="top" style="width: 47.9pt; border-width: medium 1pt 1pt; border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 5.4pt; height: 16.65pt;" rowspan="2"> <p>Age 16</p> </td> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.65pt;"> <p>Male</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.65pt;"> <p>644</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.65pt;"> <p>1566</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.65pt;"> <p>562</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.65pt;"> <p>1555</p> </td> </tr> <tr style="height: 16.15pt;"> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.15pt;"> <p>Female</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.15pt;"> <p>526</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.15pt;"> <p>1405</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.15pt;"> <p>468</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt; height: 16.15pt;"> <p>1233</p> </td> </tr> <tr> <td valign="top" style="width: 47.9pt; border-width: medium 1pt 1pt; border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 5.4pt;" rowspan="2"> <p>Age 20</p> </td> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>Male</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>376</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>1123</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>386</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>1007</p> </td> </tr> <tr> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>Female</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>322</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>787</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>301</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>709</p> </td> </tr> <tr> <td valign="top" style="width: 47.9pt; border-width: medium 1pt 1pt; border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 5.4pt;" rowspan="2"> <p>Age 24</p> </td> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>Male</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>210</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>595</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>209</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>528</p> </td> </tr> <tr> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>Female</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>190</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>445</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>180</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>394</p> </td> </tr> <tr> <td valign="top" style="width: 47.9pt; border-width: medium 1pt 1pt; border-style: none solid solid; border-color: -moz-use-text-color windowtext windowtext; -moz-border-top-colors: none; -moz-border-right-colors: none; -moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-image: none; padding: 0in 5.4pt;" rowspan="2"> <p>Age 25</p> </td> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>Male</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>181</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>450</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>190</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>447</p> </td> </tr> <tr> <td valign="top" style="width: 83.5pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>Female</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>169</p> </td> <td valign="top" style="width: 99pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>408</p> </td> <td valign="top" style="width: 81pt; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>170</p> </td> <td valign="top" style="width: 1.25in; border-width: medium 1pt 1pt medium; border-style: none solid solid none; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; padding: 0in 5.4pt;"> <p>378</p> </td> </tr> </tbody> </table> <ol> <li>&nbsp;Rates above are relevant only to ZIP codes and territories. Other ZIP codes may have higher or lower rates.</li> <li>Amounts shown above are in dollars for six months policies. </li> <li>Rates are based on the fact that the above drivers are principal drivers. Listing a youthful driver (under age 24) as an occasional operator, or part time driver, may reduce premiums in some instances.<br /> Rates are based on different competitive rates offered by13 different Illinois auto insurance companies as of January 2012. Future rates vary.</li> <li>Basic Liability Rates are based on the minimum liability limits mandated by the State of Illinois. Most rates for liability insurance are not affected by the year, make, or model of the vehicle insured.</li> <li>Full &nbsp;Coverage Rates are based on a vehicle valued $12,300 and deductible of $500 for comprehensive and collision. Most companies will charge based on the value of the insured vehicles, and rates for full coverage are generally not related to the year, make, or model of the vehicle insured. Highest physical damage rate approaches 7.5% of the value of the vehicle per six months, and it goes down by about 1% point every year till age 25, where it stabilizes at that point at about 2.2 % of the value of the vehicle for 6 months work of coverage.</li> <li>Acceptable MVRs for all drivers, additional drivers may increase premiums. Some companies charge 25% extra for the first three points, 50% for first 6 points, etc.</li> <li>No prior insurance discounts were given, additional 10% discounts may be given for people who show prior and continuous insurance for 6 months or more.</li> <li>Married drivers may get additional 5% to 15% cut in their rates. Marital status is not important past age 30 years.</li> <li>At age 25, most companies start to stabilize their auto insurance rates, and rates become insensitive to changes in age or gender, till age 72 years. After that age rates start to go up, till they become prohibitive at age 76 years.</li> </ol>urn:uuid:6fb87fa2-e3db-4436-80b3-994209a6eb6a<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Snenenh, Illinois car insurance agent in Chicago Progressive car insurance rates are among the lowest auto insurance rates in the Chicago Illinois area. In Illinois The company focuses on both personal lines and commercial auto insurance produ...Fri, 13 Jan 2012 00:05:59 -0600by Ed Snenenh, Illinois car insurance agent in Chicago<br /> <br /> <em><strong>Progressive car insurance rates</strong></em> are among the lowest auto insurance rates in the Chicago Illinois area. In Illinois The company focuses on both personal lines and commercial auto insurance products. Progressive auto insurance sells insurance directly to the public and through the independent agency system.<br /> <br /> <h2>Progressive Insurance Services</h2> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois auto Insurance, and I<strong>llinois SR22 Insurance</strong></em></span>. The agency represents and accesses dozens of preferred, standard and non standard insurers in all areas including car insurance.<br /> <br /> Insurance Navy got several locations in the Chicago suburban areas, and is providing fast and free online car insurance rate. For advice, quick quotes please call one of our licensed auto insurance agents at 708 237 0400.<br /> <img width="300" height="191" longdesc="Chicago Auto Insurance Reviews for Insurers in Illinois" alt="Auto Insurance Reviews for Insurers in Illinois" style="vertical-align: middle;" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" /><br /> <br /> </td> </tr> </tbody> </table> Progressive insurance offers a wide range of insurance products. Below is a list of main products. It should be noted that not all products are available in all states. For example, Progressive homeowners insurance is not available in the State of Illinois.<br /> <br /> <ul> <li>Progressive auto insurance, include auto liability, auto physical damage, towing and Progressive Roadside Assistance</li> <li>Progressive Home Insurance. Not available in the State of Illinois</li> <li>Progressive Motorcycle Insurance. Includes Progressive motorcycle liability insurance, comprehensive and collision coverage for a variety of cycles.</li> <li>Progressive Boat Insurance. This covers a wide range of personal boats and yachts.</li> <li>Progressive RV Insurance</li> <li>Progressive Commercial Auto Insurance. A wide range of commercial auto and trucking is offered. This include local trucking, trailers, cargo, tow trucks insurance, dump trucks insurance, and more. Progressive also offers non-trucking policies for owner operators, known as Bobtail policies. &nbsp;</li> <li>Progressive Snowmobile Insurance</li> </ul> <br /> <h2>Progressive Auto Insurance Discounts. </h2> <br /> Progressive offers a wide range of discounts for its customers, including the following:<br /> <ul> <li>Prior Insurance Discount. Continuous insurance for more than 6 months,&nbsp; and significantly more discounts if the client had insurance for three years or more with the same carrier. </li> <li>Discounts for Paying in Full. That is a big discount for people who pay policy in full. </li> <li>Automatic Payments Methods. Discounts for allowing Progressive to take money automatically from clients accounts. </li> <li>Discounts for Paperless. Using email, internet, e-signature, and other electronic means will earn you a discount with Progressive. </li> <li>Discounts for Multiple Accounts, Multi Policies: If clients have multiple policies with Progressive Insurance (e.g., motorcycle, RV, snowmobile) </li> <li>Homeowners Discounts. If customers is an owner of a house or a condo.</li> </ul> <br /> <h2>Progressive Independent Agency System</h2> <br /> Progressive is one of the many great companies that utilize the independent agency system to market its auto insurance and the commercial auto insurance products and services. Besides the independent system, Progressive sells its insurance products&nbsp; directly to the public via phone and online.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Progressive auto insurance in Chicago Illinois</strong></em></span> is sold by several hundreds agents who represent the company as independent agents. Besides Progressive, these agents represent other great companies like AAA auto insurance, Hartford auto insurance, Travelers auto insurance, Safeco auto insurance, and many more companies.<br /> <br /> While Progressive remains one of the great companies that offer great and low auto insurance rates in Chicago, Illinois, it is clear that there are many other companies that match or beat Progressive with quality and car insurance rates. For that reason, the independent agent can provide more valuable services, not just because of the personal professional service offered to the customer, but also because of the breadth of options that independent&nbsp; agents offer.<br /> <br /> Insurance Navy is a leader in the auto insurance business in the Chicago area. The agency represents <em><span style="text-decoration: underline;"><strong>Progressive auto insurance in Chicago Illinois</strong></span></em>, besides many other insurers. The agency has several offices located through the Chicago area.urn:uuid:0101eba2-966b-4ab0-af0c-a7084b07e0f4<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Snenneh, Illinois Auto insurance Agent in Chicago What is the best car insurance policy? Many Illinois customers wonder of the differences between buying insurance with this insurance company vs the other insurance company. Naturally the most...Thu, 12 Jan 2012 11:05:40 -0600by Ed Snenneh, Illinois Auto insurance Agent in Chicago<br /> <br /> <span style="text-decoration: underline;"><strong>What is the best car insurance policy?</strong></span><br /> <br /> Many Illinois customers wonder of the differences between buying insurance with this insurance company vs the other insurance company. Naturally the most important factors in determining the suitability of car insurance quotes are: (1) The need of the client for insurance, and (2) The budget or the auto insurance rate associated with that quote/ coverage.<br /> <br /> People need insurance for wealth and property protection. The amount and nature of wealth and property are not the same for everyone, and for that reason limits of insurance must reflect that need. People with larger wealth normally require higher liability limits for more effective protection in the events of lawsuits.&nbsp; Also, budget is very important. Purchasing something that may not be afforded later and, therefore, stopped may not be a wise idea. Accidents happen anytime, and if they happen when there was some sort of interruption in the insurance because of budget problems, then the whole idea of getting car insurance may prove to be ineffective.<br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois Auto Insurance, and Illinois SR22 car Insurance</em></span>. The agency represents and accesses dozens of preferred, standard and non standard insurers in all areas including car insurance.<br /> <br /> The agency runs many locations in the Chicago and suburban area, and is offering fast and free online car insurance rate. For consultation, quick quotes please call one of our licensed auto insurance agents at 708 237 0404.<br /> <img width="300" height="191" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="vertical-align: middle;" alt="Auto Insurance Reviews for Insurers in Illinois" longdesc="Chicago Auto Insurance Reviews for Insurers in Illinois" /><br /> <br /> </td> </tr> </tbody> </table> <br /> <span style="text-decoration: underline;"><strong>Importance of auto liability insurance limits</strong></span><br /> &nbsp;<br /> Once the client decodes on the limits of insurance and amount of premium they can afford, service issue becomes very important.&nbsp; Since competition among the Illinois insurers in the Chicago auto insurance marketplace is very stiff, price and rates are very close, and customer service and claim services should be among the important factors that determine where to shop.<br /> <br /> <span style="text-decoration: underline;"><strong>Illinois auto insurance companies reviews- Three different approaches</strong></span><br /> <br /> <em>Illinois auto insurance companies</em> reviews can be looked at via three methods. One is the unofficial method, or through asking friends, relatives, internet reviews, etc. The second method is through an independent third party review. Third through the official State of Illinois regulatory body, or the Illinois Department of Insurance.<br /> <br /> Relying on friends, family, and internet reviews maybe the starting point. However&nbsp;<em> Illinois auto insurance companies reviews</em> offered by internet, friend or family members may be biased, and are based on the subjective experience of the reviewer. <br /> <br /> <em>Illinois auto insurance companies reviews</em> offered by third parties are more objective. The most prominent reviewing organization is JD Power (jdpower.com). The great thing about these reviews is their objectivity and fairness. The limitations of these reviews is that they are limited to the big names in the industry, such as Allstate Auto Insurance, State Farm Auto Insurance, American Family Insurance, etc. Almost all of the companies reviewed by JD Powers are very highly regarded companies belong to the standard and preferred car insurance markets. In other words, you are comparing the best companies against each other.<br /> <br /> The third is to look at what the State of Illinois Department of Insurance reviews of <em>complaints made against Illinois auto insurers</em>. The 2009 <em><a href="http://insurance.illinois.gov/complaints/ComplaintsRatioReport2009.pdf">complaints made against Illinois auto insurers</a></em> is a great way to evaluate big and small insurers in relation to their premiums written in this state. All companies are nearly reported in the table. The drawback of the table is that it lists the negative reviews, the complaints made. The table does not include the positive reviews, or even the circumstances behind the complaints listed.urn:uuid:a21c1973-2de7-4ede-a950-16e67657f567<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />Car Insurance Companies With Best Car Insurance Rates in Chicago Illinois Many Chicago residents wonder about the best insurance companies in the city of Chicago. The answer to that question is the definition of best, first. After defining the word ...Thu, 12 Jan 2012 01:04:11 -0600<h2>Car Insurance Companies With Best Car Insurance Rates in Chicago Illinois</h2> <br /> Many Chicago residents wonder about the best insurance companies in the city of Chicago. The answer to that question is the definition of best, first. After defining the word 'best' it will be easier to pinpoint a list of companies that can meet that definition.<br /> <br /> According to Dictionary.com the word 'best' means "most advantageous, suitable, or desirable: the best way". As indicated the word "best" does not mean the least priced. So what is the most advantageous insurance rates in Chicago or the most suitable insurance rates in Chicago? <br /> <br /> Advantages that we derive from insurance refers to the benefit we get from the protection the auto insurance policy provides to our wealth and property. The phrase 'suitable' implies fitting the needs and budget of the person.<br /> <img width="264" height="151" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border:5px solid #7030a0;float: right;" alt="Illinois auto insurance companies" longdesc="car insurance companies in Chicago Illinois" /><br /> <h2>Car Insurance Companies in Chicago Illinois</h2> <br /> Major auto insurers in Chicago Illinois include a number of standard and substandard companies.&nbsp; While standard companies are strict when it comes to credit of the applicant and driving history their claim and customer services are far superior than other companies.<br /> <br /> <h2>List of Auto Insurance Companies in Illinois</h2> <br /> This is a partial list, and is not arranged in any order: Auto insurance companies in Illinois include Indiana Insurance Company, Infinity Casualty Insurance Company, Interstate Bankers Casualty Company, 21st Century North American Insurance Company, Country Mutual Insurance Company, Country Preferred Insurance Company, Delphi Casualty Company, Direct Auto Insurance Company, Affirmative Insurance Company, Allstate Insurance Company, American Access Casualty Company, State Farm Mutual Automobile Insurance Company, Travelers Home And Marine Ins Company, Trumbull Insurance Company, Unique Insurance Company, United Automobile Insurance Company, United Equitable Insurance Company, Geico Insurance Company, General Casualty Insurance Company, Government Employees Insurance Company, Hartford Insurance Company, Illinois Farmers Insurance Company, Liberty Mutual Fire Insurance Company, Member Select Insurance Company, American Heartland Insurance Company, American Service Insurance Company Inc, National Heritage Insurance Company, Pekin Insurance Company, Progressive Insurance Company, Property &amp; Casualty Insurance Companyof Hartford, Safeco Insurance Company, Safeway Insurance Company, Apollo Casualty Company, Auto Club Services,&nbsp; Inc., Bristol West Insurance Company, Metropolitan Casualty Insurance Company, Universal Casualty Company, USAA Casualty Insurance Company, American Family Mutual Insurance Company, American Freedom Insurance Company, Erie Insurance Exchange, Esurance Insurance Company, Farmers Automobile Insurance Association, First Acceptance Insurance Company, First Chicago Insurance Company, Founders Insurance Company, Mid-Century Insurance Company.<br /> <br /> After you decide your auto insurance needs then the company that offers you the coverage that you need at the price you can afford is the best insurance company.<br /> <br /> <br />urn:uuid:1f3a1dfb-47c6-4ae2-85c1-038965de3ead<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Snenneh, Illinois auto insurance agent in Chicago Progressive auto insurance company has announced that it will take a cut of its Chicago auto insurance rates. The effective date of the lower car insurance rates will be January 20, 2012. Progr...Tue, 10 Jan 2012 23:10:34 -0600by Ed Snenneh, Illinois auto insurance agent in Chicago<br /> <strong><br /> Progressive auto insurance</strong> company has announced that it will take a cut of its <strong>Chicago auto insurance rates</strong>. The effective date of the lower car insurance rates will be January 20, 2012. Progressive has recently announced that it took a cut in the <em><strong>commercial auto insurance rates in Chicago Illinois</strong></em>.<br /> <strong><br /> Progressive auto insurance </strong>is considered one of the major players in the auto insurance quotes markets in the Chicago area. Other major players include State Farm Auto Insurance, Allstate Auto Insurance, American Family Auto Insurance, Farmers Insurance, and more. Progressive auto insurance is considered one of the most competitive standard insurers, especially among single residents of the down tow Chicago area.<br /> <br /> Besides the great competitive car insurance rates that Progressive offers, the company further offers additional discounts for Progressive customers such as:<br /> <img width="285" height="164" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border:6px solid #c00000;float: right;" alt="Progressive Auto Insurance" longdesc="Progressive Auto Insurance in Chicago Illinois" /><br /> <ul> <li>&nbsp;&nbsp;&nbsp; Continuous insurance for more than 36 months, with the same carrier.</li> <li>&nbsp;&nbsp;&nbsp; Early quotes. If quotes are offered 7 days or more from effective day</li> <li>&nbsp;&nbsp;&nbsp; Paid in Full Discount. That is a big discount for people who pay policy in full.</li> <li>&nbsp;&nbsp;&nbsp; EFT Payment Method. Or if the customers pay their dues via electronically.</li> <li>&nbsp;&nbsp;&nbsp; Paperless Discounts. If clients choose to go paperless they get further discount.</li> <li>&nbsp;&nbsp;&nbsp; Multi Policy Discount: If clients have multiple policies with Progressive (e.g., motorcycle, RV,)</li> <li>&nbsp;&nbsp;&nbsp; Homeowners Discounts. If customers own homes and/or multiple cars.</li> </ul> <br /> Progressive also annouced that it will offer lower down payment plan for preferred customers, or customers with good credit.<br /> <br /> Progressive auto insurance also offers Roadside Assistance programs on all products to give customers the protection at very competitive rates.<br /> <br /> New exception to Unacceptable Vehicles: At the moment Progressive does not accept any&nbsp; pickups, vans or utility vehicles with a (GVW) gross vehicle weight rating-according to the manufacturer's specifications- greater than 12,000 pounds.&nbsp; Some exceptions apply to the gross vehicle weight acceptability. For example Ford F450 has been added to the&nbsp; list of acceptable autos.<br /> <br /> Critique of <em><strong>Progressive auto insurance</strong></em> includes issues related to the fact that Progressive over stresses credit worthiness of the clients and prior insurance. Customers with average credit or bad credit may be able to get better car insurance rates in Chicago with other Illinois insurers. Also, customers with less than 6 months of prior insurance may not get the best rates in the Chicago markets.<br />urn:uuid:3e0f9991-9775-4bb3-b8c4-dc6f80b8c3d9<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' /> Coinsurance Ratio Definitions &amp; Exmaples Coinsurance ratio is a common phrase that is used by insurance professionals in the health insurance and property insurance businesses. While the sounds and spells the same, different meanings are attrib...Sun, 08 Jan 2012 20:53:47 -0600<em><span style="text-decoration: underline;"><strong> <h2>Coinsurance Ratio Definitions</h2> &amp; Exmaples</strong></span></em><br /> <br /> <em>Coinsurance ratio</em> is a common phrase that is used by insurance professionals in the health insurance and property insurance businesses. While the sounds and spells the same, different meanings are attributed to the phrase in the personal and commercial property businesses and the health insurance business.<br /> <br /> <span style="text-decoration: underline;"><em> <h2><strong>Coinsurance Ratio in Property Insurance</strong></h2> </em></span><img src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" style="border: 3px solid #0070c0; float: right;" alt="car dealers insurance garage insurance" longdesc="insurance for used car dealers and tow trucks in Chicago Illinois" /><br /> <br /> <em>Coinsurance ratio in property insurance</em> is a phrase used to describe the ratio at&nbsp; which property has to be insured, compared to replacement cost, in order for the insurance company to pay the claim in full and without any penalties. Insurance carriers devised the <em>coinsurance ratio</em> to discourage customers from underinsuring their property, hence paying lower premiums. If a customer maintains a policy with coverage amount less than the coinsurance amount, the insurer may pay less than the actual loss.<br /> <br /> <em> <h2>Examples of Coinsurance Penalty</h2> </em><br /> <br /> A <em><span style="text-decoration: underline;"><strong>car dealer insurance policy</strong></span></em> may have been issued with <span style="text-decoration: underline;"><strong>dealer physical damage coverage </strong></span>of $500,000, deductible of $1,000; and a <em>coinsurance ratio</em> of 80%. If an insured vehicle is destroyed by fire with a value of $25,000 then the <em><span style="text-decoration: underline;"><strong>car dealer insurance carrier</strong></span></em> will request an inventory list of the auto dealer vehicles. If the car dealer was determined to have $950,000 in inventory, then below would be the calculation for the claim:<br /> <br /> <ol> <li>Amount of coverage that must be maintained to be fully covered:&nbsp; 950,000 X 80% = $760,000. This amount is well above the existing limit the customer has ($500,000), so a coinsurance penalty is inevitable.</li> <li>In the above case the customer was about 66% insured. The policy was issued at only $500,000 when the client was supposed to carry a minimum of $760,000 to be fully covered (760,000/500,000).</li> <li>Since the client maintained only 66% of what was supposed to be carried, then the insurer will pay the same ratio, or 66% of the loss. In that case, the amount of the claim will be 66% X 25,000 or $16,500. Considering a deductible of $1,000 the insurer will minus the deductible and pay only $15,500!</li> </ol> <br /> <em><span style="text-decoration: underline;"><strong> <h2>Coinsurance Ratio in Major Medical Health Insurance</h2> </strong></span></em><br /> <br /> Coinsurance ratio in Major Medical Health Insurance is referred to as co-sharing. The health insurance customer agrees to share with the insurance company a specified amount, a percentage of a specific dollar amount (ie, first $5,000 or $10,000 of the bills), after the deductible is met and paid by the client. This percentage is referred to as coinsurance ratio. There is always a maximum amount that the customer will pay as a result of implementing the coinsurance ratio, referred to as out-of pocket maximum. After that maximum, the health insurer will pay 100% of the qualified bills.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Examples of Coinsurance Ratio in Major Medical Health Insurance</strong></em></span><br /> <br /> Assume that we have a client with a major medical policy with a deductible of $500 and a <em>coinsurance ratio</em> of 90%, and out of pocket maximum of $2,000. The following scenarios will explain the applications of <em>coinsurance ratio</em>:<br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border: 10px solid #00b0f0; float: left; width: 284px; height: 161px;" alt="Chicago auto insurance" longdesc="Chicago auto insurance online quotes in Illinois" />1.&nbsp;&nbsp; &nbsp;Client receives a covered health insurance bill in the amount of $3,000. In this case, the client must pay first the deductible of $500, leaving him / her with bills of $2,500. The insurer will pay 90% of the remaining bill of $2,500, and client will pay 10% (or $250). In this example the client will end up paying the deductible ($500) plus&nbsp; the coinsurance ($250), totaling $750, leaving the company with $2,250 to pay.<br /> 2.&nbsp;&nbsp;&nbsp; Customer gets a covered health insurance bill totaling $10,000. In this case, the client must pay first the deductible of $500, leaving him / her with the remainder of the bills of $9,500. The insurance company will pay 90% of the that bill of $9,500, and client will pay 10% ($950). For that the client will end up paying the deductible ($500) besides the coinsurance amount of ($900), totaling $1,450, leaving the company with $8,550.<br /> 3.&nbsp;&nbsp;&nbsp; The insured customer receives a qualified health insurance bill in the amount of $30,000. In that case, the client must pay first the deductible of $500, leaving him / her with bills of $29,500. The insurer will pay 90% of the remaining bill of $29,500, and client is supposedly required to pay 10% ($2950). But because there is an out of pocket expense maximum of $2,000 the client will pay only the deductible of $500 plus the maximum coinsurance of $2,000, totaling $2,500, and leaving the health insurance carrier with the remaining balance of $27,500.urn:uuid:5ecaaf9f-bf3f-430d-9267-675f87f455d7<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Snenneh, Illinois Auto Insurance Agent in Chicago Common Problems With Auto Insurance Coverage People purchase auto insurance for three main things: (1) Auto liability insurance to protect their wealth in the event of them getting sued for neg...Sat, 07 Jan 2012 21:57:07 -0600<p>by Ed Snenneh, Illinois Auto Insurance Agent in Chicago<br /> <br /> <em><span style="text-decoration: underline;"><strong>Common Problems With Auto Insurance Coverage</strong></span></em></p> <p>People purchase auto insurance for three main things: (1) <strong>Auto liability insurance</strong> to protect their wealth in the event of them getting sued for negligent acts, (2) <strong>Auto physical damage</strong> (Comprehensive &amp; Collision) to protect their property against damages resulting from theft, fire, collision etc, and (3) <strong>Auto liability insurance</strong> to comply with the law and prevent suspension or revocation of their driving privileges.</p> <p>A number of problems may arise that make coverage questionable. The most common reasons why companies may question coverage or validity of insurance include &nbsp;(a) <strong>Failure to Disclose All Operators</strong>, (b) <strong>Failure to Disclose Incidents</strong>, and (c) <strong>Undisclosed Use of the Vehicle</strong> (Business vs. Personal Use).<img width="301" height="171" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="border:3px solid #c00000;float: right;" alt="Online auto insurance quotes Chicago" longdesc="Chicago auto insurance quotes" /></p> <p><em><span style="text-decoration: underline;"><strong>Failure to Disclose Operators on Auto Policy</strong></span></em></p> <p>When you purchase auto insurance you are required to disclose two types of people:</p> <ol style="margin-top: 0in; list-style-type: decimal;" start="1"> <li>All members of the households who are over 16 years of age, and who might be operating the vehicles you are insuring, and;</li> <li>Everyone else who will be driving the vehicles you are insuring on regular basis, even if they are not household members (such as a friend, a cousin, a nephew or a niece).</li> </ol> <p>If the insurance company can establish that an operator who was involved in crash with an insured vehicle was a member of the household or a regular operator of one of the insured vehicles, but was not disclosed on the policy, the insurer will question the validity of the policy, and in some instances the insurer will rescind the policy based on <strong>material misrepresentation</strong>, or omitting materialistic facts whereas if these facts were disclosed to the insurer, a different policy at different conditions and premiums would have been issued. </p> <p>By rescinding auto insurance policies the insurers declare that there was no coverage whatsoever under those policies and the insurer will refuse to pay for any damages or claims. Some larger and more reputable insurers may pay smaller claims although in situations where there are evidences of clear <strong>material misrepresentations</strong> because it may cost the insurers more to fight the case in court and to protect their image and reputation. In all situations where big claims are expected, all insurers will try to avoid paying those big claims that are filed while evidences of <strong>material misrepresentation</strong> are present. <br /> <br /> </p> <p><em><span style="text-decoration: underline;"><strong>Failure to Disclose Traffic Incidents &amp; Citations.</strong></span></em></p> <p>While most insurers do check for the presence of claims and traffic citations of listed operators, there are few other companies &ndash; particularly among the non standard insurers- that do not. Also, there could be situations where a traffic ticket or an at fault accident that took place last week that is not yet reported on operators MVR of the driver. Failure to disclose traffic incident &amp; citations can be a <strong>material misrepresentation</strong> as well. It can also be used as a ground to rescind auto insurance policies and reject paying claims. <br /> <br /> </p> <p><span style="text-decoration: underline;"><em><strong>Undisclosed Business Use of the Vehicle (Business vs Personal Use).</strong></em></span></p> <p>Insurance companies set their <strong>auto insurance rates</strong> based on average use of an operator for personal uses. It is clear that a an SUV that is being used by an operator to deliver articles or merchandise, as a messenger service, or pizza delivery, for instance; can potentially cause more accidents than the same SUV if operated by a housewife who uses the vehicles for shopping or taking children to school.</p> <p>Vehicles used for business can potentially cause more accidents, and their rates are usually higher than autos used for personal uses. If you carry a personal auto policy and you use the vehicles for business purposes (deliveries, contractors, snow removal etc.) insurance companies may find that a ground to reject coverage and decline any claims.</p> <p>Many companies will endorse their personal auto policies for certain business uses. However, other insurance carriers &ndash; especially non standard- may not allow that, or they simply do not have the business auto insurance form, and in this case a business auto policy may be the only solution.</p>urn:uuid:e25605e4-d4c3-4072-9dcb-6b3b0fac2db4<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Sneneh, Illinois Auto Insurance Agent, Chicago Liability Insurance &amp; Negligence Liability insurance policies are designed to pay for property damages and bodily injuries that are caused because of the negligence of the insured. In order to...Fri, 06 Jan 2012 22:30:43 -0600by Ed Sneneh, Illinois Auto Insurance Agent, Chicago<br /> <h2>Liability Insurance &amp; Negligence </h2> Liability insurance policies are designed to pay for property damages and bodily injuries that are caused because of the negligence of the insured. In order to establish negligence four elements have to be present for the liability insurance policy to consider&nbsp; any claim.&nbsp; To prove negligence the four elements that must be present are Duty to Protect, Failing to Exercise a Reasonable Standard of Care, Proximate Cause, and presence of Actual Injury.<br /> <br /> In other words, there has to be some sort of proof that the person claiming actual injury or damage was under the care of the insured, and that the insured failed to take reasonable measure to protect the claimant from injury, and that the cause of damage/ injury was the failure to take proper care. If either one of those elements could not be established, liability may not exist. In that case no lawsuits can be brought against the insured.<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Medical Payments in Commercial General Liability<img width="333" height="190" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" alt="Chicago auto insurance" style="border:4px solid #7030a0; float: right;" longdesc="Illinois auto insurance rates in Chicago" /></strong></span></em></h2> <strong>Commercial general liability policies</strong> (CGL) includes a coverage called Medical Payment. Limits range between $1,000 to $10,000 bodily injury per person. The coverage pays for bodily injuries that occur on the insured premises, without a need to prove negligence. Basically the coverage is there to meet the ethical or moral obligations of the insured business towards its customers that get hurt on the premises, not for any fault of the business. Example: A customer decides to climb the tall shelves in a department store to remove a bike, causing the bike to fall on the man causing injury. The store can argue that a prudent person would not have climbed the tall shelves, and therefore it was not the fault of the store that the man was injured. But to meet its ethical and moral obligation the store insurance may pay for emergency treatment under the <strong>Medical Payment coverage</strong>.<br /> <br /> <h2><strong><em><span style="text-decoration: underline;">Medical Payment in Homeowners Insurance </span></em></strong></h2> Similar coverage exists in homeowners insurance, called Medical Payment to Others. Some home policies call it 'Guest Insurance.' The coverage ranges between $1,000 to $5,000 pays for injuries that are suffered by guests (not household members), with no need to sue under liability.&nbsp; For example, if your friend was helping you washing dishes, suddenly the suffered very bad cut in the hand that required emergency treatment then the <strong>Medical Payment</strong> in the homeowner policy that you own will pay up to the limit of the coverage. This coverage also exists on renters insurance and condo insurance policies.<br /> <br /> <h2><em><span style="text-decoration: underline;"><strong>Medical Payment in Auto Insurance</strong></span></em> </h2> <strong>Medical Payment in Auto Insurance</strong> is a limited coverage that is found as optional coverage in many states. The coverage ranges from $500 to $5,000 per person per accident. The coverage pays for <span style="text-decoration: underline;"><strong>medical and funeral expenses</strong></span> that the insured person or any household members suffer because of any auto related accidents, even as a pedestrian. Auto insurance in Illinois does not mandate this coverage and several companies offer no more than $1,000 coverage. Some companies offer higher limits, such as $10,000. <br /> <br /> Making claims under <strong>medical payment coverage </strong>is easy. First verify that the coverage exists on your policy, then make sure that you have the proper documentation of the injury time, place, and bills. Call the claim department for further details. There are always time limits for filing claims.urn:uuid:8f944364-bc20-45bb-8e6c-e1aaa35bca9cby Edward Sneneh, Insurance Navy, Chicago, Illinois Insurance rates for rental properties can be divided into two parts, based on the classification of the rental properties themselves. It is important to understand the distinction first. Basically ...Fri, 23 Dec 2011 22:08:23 -0600by Edward Sneneh, Insurance Navy, Chicago, Illinois<br /> <strong><br /> Insurance rates for rental properties</strong> can be divided into two parts, based on the classification of the rental properties themselves. It is important to understand the distinction first. Basically the number of units and use are the main factors affecting the classification.<br /> <br /> <h2>Insurance for Rental Properties of 1 - 4 Units</h2> Insuring buildings with 1 to 4 units entails less risk for carriers compared with insuring larger commercial properties of five units or more. Also some companies stop offering coverage for properties above certain numbers of stories (3 or 7 for example.) <br /> <br /> Properties that are 4 or less units can be insured under a commercial policy. In certain circumstances, a dwelling fire policy (form of personal insurance) may also be offered for these properties. If the insured person occupies one of the units in property of 4 units or less, then a regular homeowners policy may be used to cover them. In this proper landlord liability coverage is needed to cover people with exposure to renting tenants. Properties of 4 unites or less may not qualify for any personal insurance (dwelling fire or homeowners insurance) if there is mix use then commercial coverage is necessary.<br /> <br /> <h2>Insurance for Rental Properties Over 4 Units</h2> Insurance coverage for rental properties over 4 units are subject to different underwriting guidelines. More scrutinized rules related to risk acceptability and pricing are used with these properties. More attention is given to age of the building and the safety measure used such as fire extinguishing systems; exit signs; safety of hallways and common areas; updates of the electrical, heat and plumbing systems; accessibility and safety of the parking area &amp; stairs; etc. Buildings with commercial stores exposures undergo further scrutiny regarding types &amp; activities of business operated in the commercial units and hours of operations.<br /> <br /> <h2>Habitational Insurance Programs Coverages</h2> Typical coverages in the habitational insurance programs include building coverage, liability coverage, and loss of rental income. Certain coverage may be critical to the property owner such as ordinance of law coverage. Replacement cost coverage is desirable if available (older buildings may not qualify with certain insurers.) Depending the location of the risk, replacement cost may range between $125 to $150 per square foot. Liability coverage offers protection for the owners against any lawsuits brought against them from tenants and the public. Bigger investment properties may require higher liability, in which case an umbrella policy may be necessary. Loss or rental income is important to provide for the loss of rental income in the event of loss, such as fire.<br /> <br /> <h2>Ordinance of Law Insurance for Rental Properties</h2> Ordinance of law coverage is an essential insurance coverage for investment properties. Ordinance of law coverage will pay for the additional expenses needed&nbsp; to meet the terms of zoning ordinance or laws, monitoring&nbsp; the erection, restoration or pulling down of the covered building. Since new laws and buildings ordinance emerge every day, the cost of construction may change as well. For example, a new construction ordinance may require the installation of automatic sprinkler system for any new construction or major rejuvenation of building above specific number of square footage. If a building catches on fire where the zoning authorities insist on having an automatic sprinkler system before issuing remodeling or new construction permit, the insurance will not pay for the new automatic sprinkler system unless the ordinance of law is part of the coverage.<br /> <br /> Comprehensive <strong>habitational insurance program</strong> is not easily attainable from the majority of insurance agents. Understanding the different restrictions, use, and insurers offering coverage are all important factors to get the right price.<br /> <br /> <hr /> <table width="606" height="262" align="center" style="border: 3px groove #00b0f0; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td> <div style="text-align: left;"><span style="font-family: times new roman; font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span><span style="font-family: times new roman;"><strong> Agency</strong></span> is a Chicago, Illinois based commercial and personal insurance agency and a leader in the <span style="text-decoration: underline;"><em>Illinois Property Insurance and Homeowners Insurance.</em></span>&nbsp; InsuranceNavy is appointed by many <em>commercial Property and liability insurers&nbsp; in the States of Illinois and Indiana. </em>The agency offers<em> </em>its services through several locations in the Chicago and suburban areas.<br /> </div> <div style="text-align: left;"><br /> For quick and free consultation for your habitational insurance, insurance quotes for rental properties, or quick estimates please call one of our licensed insurance agents at:<br /> <br /> </div> <div style="text-align: center;"><strong> 708. 233.4848</strong><br /> </div> </td> </tr> </tbody> </table>urn:uuid:8e6ae480-c0ba-4972-b580-148196e6952dby Aya Musa, Insurance Navy, Chicago Illinois Insurance for vacant homes is becoming more important these days as more people are leaving their properties for sale, or because of foreclosure; or simply for remodeling and rejuvenation purposes. Homeo...Fri, 23 Dec 2011 00:09:45 -0600by Aya Musa, Insurance Navy, Chicago Illinois<br /> <br /> <strong><em>Insurance for vacant homes</em></strong> is becoming more important these days as more people are leaving their properties for sale, or because of foreclosure; or simply for remodeling and rejuvenation purposes. Homeowners and other property owners need to be aware of the special circumstances surrounding insuring vacant homes or properties.<br /> <br /> When people have their homes or properties vacant they still need to have some sort of insurance to protect the properties in the event of loss. Standard homeowners insurance policies and property insurance provide protection for homes and properties based on the assumption that these homes and properties are occupied. In certain situations, these homes and properties may not be occupied for some reason, and in these situations homeowners and property owners need to reevaluate their choices.<br /> <br /> Properties and homes may be left vacant because they are listed for sale or lease or they are under repair or remodeling.&nbsp; Most well known property insurance companies will shy away from any vacant property new insurance, if there is no significant reason to believe that the property will be occupied within the next thirty days. The rationale for this practice is that vacant homes and properties embody a much greater chance of loss caused by vandalism, thievery, arson, etc.<br /> <br /> <span style="text-decoration: underline;"><strong>Unoccupancy vs Vacancy in Homeowners Insurance</strong></span>: A property or a home is said to be vacant when it contains no people activities or other stored items for a period of 30 days, or 60 days in some insurance contracts. An unoccupied property or home is one where the absence of the insured&nbsp; or other persons from the property premises is evident;&nbsp; not inhabited or has no peoples activities but does have items (personal property, business property, furniture, inventory) stored in it.<br /> <br /> <span style="text-decoration: underline;"><strong>The Vacancy Clause in Homeowners Insurance and Property Insurance</strong></span>. Almost all insurers set some sort of protection for themselves against vacancy (and unoccupancy) by inserting a clause in the insurance policy. The clause is known as the Vacancy clause, or something with similar meaning.&nbsp;&nbsp; The clause is put by insurers to evade paying claims on vacant homes and properties. The clause will automatically set the policy for <span style="text-decoration: underline;"><em>cancellation</em></span> after 30 consecutive days (some insurers 60 days) of vacancy, or will exclude a number of coverages that were normally included in the original policy such as vandalism, theft, water damage. Once home is reoccupied original policy and coverages are restored. <br /> <br /> While most standard carriers will not offer new policies for vacant homes and properties, a number of other insurance companies will do that. However, coverage offered for vacant properties may be limited to the basic coverages such as fire and lightening. Also, if property is under remodeling liability coverage may not be offered at all. <table width="606" height="262" align="center" style="border: 3px groove #00b0f0; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td> <div style="text-align: left;"><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based commercial and personal insurance agency and a leader in the <span style="text-decoration: underline;"><em>Illinois Property Insurance and Homeowners Insurance.</em></span>&nbsp; InsuranceNavy is appointed by many commercial <em>Property and liability insurers&nbsp; in the States of Illinois and Indiana. </em>The agency offers<em> </em>its services through several locations in the Chicago and suburban areas.<br /> </div> <div style="text-align: left;"><br /> For quick and free consultation for your vacant home insurance rates and coverages, quick quotes please call one of our licensed insurance agents at:<br /> <br /> </div> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table>urn:uuid:1d2ef9cd-2d9d-4225-8989-58d85dd842b1by Edward Snaneh Insurance quotes for gas stations and convenience stores are among the businesses that vary in their underwriting requirements and acceptability. Different insurers have different desirability and appetite for gas stations and conve...Thu, 22 Dec 2011 00:41:24 -0600by Edward Snaneh<br /> <br /> <em>Insurance quotes for gas stations</em> and convenience stores are among the businesses that vary in their underwriting requirements and acceptability. Different insurers have different desirability and appetite for gas stations and convenience stores. The following are some considerations related to insuring gas stations and c-stores in the Chicago, Illinois area.<br /> <br /> Related Property Coverage for Gas Stations: Potential coverages needed for gas stations and c-stores include building (including canopy), gas pumps, gas tanks, gas in the tanks, business property for any grocery or convenience stores, car washes if any, outdoor signs, etc. Coverage should be on replacement cost basis. Additional property-related coverages include crime coverage (money and security or robbery and safe burglary), business income, etc.<br /> <br /> Related Liability Coverage for Gas Stations. Besides the commercial general liability, insurance for gas stations may have to include garagekeepers liability in the event that the gas station business takes control of people's vehicles (car detail operations, car washes, repair shop, etc.), or liquor liability (if liquor is sold on premises). Also, workers compensation coverage for gas stations and convenience stores is the law.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Underwriting Factors in Insuring Gas Stations</strong></span></em><br /> <br /> <em>Gas Stations Insurance and Hours of Operations</em>. A major challenge facing insurance gas stations and c-stores is their hours of operations. Many standard carriers will not offer coverage for 24 hours operations gas stations and convenience stores.<br /> <br /> <em>Number of Pumps &amp; Gas Stations Insurance</em>. Some carriers limit their Business Owner Policy (BOP) coverage to gas stations with certain number of pumps (ie six pumps, for example). BOP coverage represents more advanced <br /> <br /> Commercial Cooking, LPG Sales. Businesses that do commercial cooking, deep frying, or sale of Liquefied Petroleum Gas (LPG), may not qualify for BOP coverage with most standard carriers.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Insurance Rates for Gas Stations and Convenience Stores</strong></em></span><br /> <br /> <em>Property insurance rates for gas stations</em> and convenience stores are based on the geographical location, construction type of the property, square footage, age of property, amounts and limits of coverage, as well as security and fire systems available. <br /> <br /> <em>Liability insurance rates for gas stations</em> and convenience stores are based on annual sales of the business, including gas, lotto, liquor, and other revenues. Workers compensation insurance&nbsp; rates are based on projected payroll for next 12 months. <br /> <br /> Securing affordable <em><strong>insurance quotes for gas stations</strong></em> may be facilitated by contacting a number of insurers who offer this coverage. Many independent agents who represent several carriers can do the job.<br /> <center> <table width="606" height="262" align="right" style="border: 3px groove #00b0f0; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td> <div style="text-align: center;"><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based commercial and personal insurance agency and a leader in the <span style="text-decoration: underline;"><em>Illinois Commercial Property Insurance. Convenience Store Insurance and Gas Stations Insurance.</em></span>&nbsp; InsuranceNavy represents <em>many commercial and liability insurers&nbsp; in the States of Illinois and Indiana,</em> and is offering its services through several locations in the Chicago and suburban areas.<br /> </div> <br /> For quick and free consultation for your apartment insurance coverage, quick quotes please call one of our licensed insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> </center>urn:uuid:8be66844-4ecc-49b3-9332-765690652aa1Renters Insurance Definition Renters insurance is a form of insurance that offers people who lease a residence for the purpose of living protection for their own personal property and for the damage that their negligence causes to others who are not...Tue, 20 Dec 2011 21:39:24 -0600<span style="text-decoration: underline;"><em><strong>Renters Insurance Definition</strong></em></span><br /> <br /> Renters insurance is a form of insurance that offers people who lease a residence for the purpose of living protection for their own personal property and for the damage that their negligence causes to others who are not part of the household. From this definitions we can conclude the following points about renters insurance.<br /> <br /> 1. The coverage is designed for people who lease/ rent the residence, and not own it. If people own the residence then they qualify for different type of insurance (homeowners&nbsp; insurance or condominium insurance.)<br /> <br /> 2. Renter insurance offers protection for personal property of the renting tenants. Personal property includes personal belongings such as TVs, personal computers, cameras, clothes, refrigerators, etc. There are additional coverages up to certain limits. Renters insurance also covers increased living expenses up to a certain limit,&nbsp; indirect loss resulting from the loss of property. <br /> <br /> 3. Personal liability covers the renter persons from lawsuits brought against them because of their negligence actions in connection with them using the residence for personal use. For example, if the renter person's dog attacks and bites the neighbor because of the negligence of the renter person, then the personal liability will kick in. Medical payment to others, also known as guest insurance, is a limited coverage (ie $1,000) that will pay for the injured guests without needing to prove liability of the renter.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Importance of Renters Insurance</strong></span></em><br /> <br /> Replacing personal property in the event of a loss like fire can be costly. Replacing the personal property for an average family of three may exceed $20,000. Also, extra living expense can be large amounts until repair of the rented residence is complete. While lawsuits are not frequent happening they can cause extreme distress and waste of lots of financial resources when they occur.<br /> <br /> Many landlord insist on their tenants having renters insurance coverage as part of the lease agreement, with landlords being listed as additional insured.&nbsp; Landlords want to make sure that there is liability coverage in the event of lawsuits brought against them in connection with the use of the residence.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Renters Insurance Rates</strong></span></em><br /> <br /> Renters insurance is normally an inexpensive coverage. Major factors affecting rates include the following factors.<br /> <br /> Credit of Applicant. The most important factor is the credit of the applicant. Many companies will even make it very hard to extend coverage for people with very negative credit such as bankruptcy. <br /> <br /> Physical Location: Factors such as the ZIP code, residence age, construction type of residence, security system used, etc. are all important factors in the determination of the renters insurance rates.<br /> <br /> Type and Amount of Coverage: Type of coverage, amount (limits) of coverage, as well as any additional rides (scheduled personal property, replacement cost on personal property, etc.) are factors that affect the amount of premiums paid for renters insurance.urn:uuid:cb66b0e3-d5d6-4df8-ac51-a2c8bab1d269<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />by Aya Musa Insurance is a concept of shifting the risk from the insured people to the insurance carriers.&nbsp; Insurance companies are created to make profit for their owners by pooling these risks and charging the insured people some premium mone...Mon, 19 Dec 2011 21:04:08 -0600by Aya Musa<br /> <br /> Insurance is a concept of shifting the risk from the insured people to the insurance carriers.&nbsp; Insurance companies are created to make profit for their owners by pooling these risks and charging the insured people some premium money in return of promise to pay the claim in case of a covered loss. Insurance companies are not in the business of setting rules and laws of driving privileges.<br /> <br /> On the other had, local governments set the rules regarding driving privileges. Like other governments, the Secretary of State in Illinois dictates on Illinois residents the rules of obtaining, keeping, revoking and reinstating the driving privileges, or the driver's license. The last thing on the agenda on the Secretary of State if insurance companies make or do not make profit. <br /> <br /> The issue of offering auto insurance coverage for unlicensed operators in Illinois may be a surprise to many people. However, insurance companies have discovered that insuring people with no driver's licenses may not be as bad as thought originally.<br /> <br /> <strong>Major Characteristics of Unlicensed Auto Operators</strong><img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /><br /> <br /> It should be empathized that unlicensed operators refer to people who have never been issued any driver's license in the United States. For that reasons, all operators who were issued in the past a driver's licenses that have been later expired, suspended or revoked, for any reason, are not included in this definition. Unlicensed operators refer to people who are over 16 years of age and never had the opportunity to get licensed (no time, undocumented aliens, etc.)<br /> <br /> Many car insurance carriers are not just offering auto insurance for unlicensed operator, but also offer it at lower rates than the licensed counterpart. This may seem another surprise. There are certain theories that underline the reasons why car insurance may offer cheaper auto insurance rates for unlicensed drivers.<br /> <br /> Theory 1. Unlicensed operators are more careful on the road. Because they do not have driving privilege unlicensed operators are more careful for fear of being pulled over by law enforcement&nbsp; and be fined for driving without valid license.<br /> <br /> Theory 2. Unlicensed drivers are less likely to file claims. Undocumented aliens, documented aliens with foreign and international licenses, and other simply unlicensed operators are less likely to file bodily injury and comprehensive &amp;&nbsp; collision claims.<br /> <br /> The <strong>Chicago auto insurance market</strong> is abundant of individual operators with no driving privileges. It is clear that this market segment of unlicensed driver is the target of several insurers which offer significant discounts for this segment.urn:uuid:238c6922-45da-49b3-ae4a-fbc739e3d658by Ed Snaneh, Illinois Apartment Building Insurance Rates Specialist in Chicago Chicago Illinois is one of the major metropolitan areas in the USA where combination of all types of constructions exist in diverse communities with different age and si...Sun, 18 Dec 2011 23:12:26 -0600<em><strong>by Ed Snaneh, Illinois Apartment Building Insurance Rates Specialist in Chicago</strong></em><br /> <br /> Chicago Illinois is one of the major metropolitan areas in the USA where combination of all types of constructions exist in diverse communities with different age and size characteristics. This diversity is really impacting the offerings of <em><strong>apartment building insurance in Chicago Illinois</strong></em>. <br /> <br /> <span style="text-decoration: underline;"><em><strong>Building Age and Apartment Insurance Rates</strong></em></span>: Age of building has significant impact on apartment building insurance rates. Older buildings tend to suffer greater damages and losses in the event of fire, wind, and other causes of loss.<br /> <br /> <table width="350" height="350" align="right" style="border: 3px groove #00b0f0; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based commercial and personal insurance agency and a leader in the <span style="text-decoration: underline;"><em>Illinois Commercial Auto Insurance. Property Insurance and Apartment Building Insurance.</em></span>&nbsp; The agency represents several <em>commercial and apartment building insurers&nbsp; in the States of Illinois and Indiana,</em> and is offering its services through several locations in the Chicago and suburban areas.<br /> <br /> For quick and free consultation for your apartment insurance coverage, quick quotes please call one of our licensed insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> <span style="text-decoration: underline;"><em><strong>Apartment Building Insurance and Chicago ZIP Codes (Communities)</strong></em></span><em><strong>:&nbsp; </strong></em>The Chicago and suburban areas in Illinois has different levels of risk. Insurance companies set different territories for different ZIP codes, and they charge different insurance rates for identical risks. Two identical apartment buildings across the streets from each others, one in Chicago and another one in a suburban area adjacent to Chicago, may be charged different insurance rates by the same company.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Diverse Construction Type and Apartment Building Insurance</strong></em></span>: The Chicago area is known to have diverse range of construction four major construction types, (1) Frame, (2) Brick or joisted masonry, (3) Joisted masonry non combustible, and (4) Fire resistive.&nbsp; The most expensive to insure is frame, then followed by brick, then noncombustible with fire resistive construction as the least expensive out of all. Construction type has also an impact on replacement cost calculation. This means that two identical building (square footage, etc) with two different construction type will yield different replacement cost figures.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Architecture and Apartment Building Insurance Rates</strong></em></span>: There are lots of apartment buildings in Chicago and suburban areas that have exotic (and more expensive to replace) architecture. Some older apartment buildings have foundations made out of large rocks and stones that are hard and more expensive to replace. Using simple replacement calculators to insure those buildings may be challenging to <em>Chicago apartment building insurance companies</em>.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Number of Tenants, Use of the Building</strong></em></span>. Number of tenants will determine the probability of landlord being sued by tenants and other people. More tenants means more use. Also, insurance for apartment buildings with commercial stores - tenants is more expensive than those with no commercial or business use exposure.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Number of Stories and Apartment Building Insurance</strong></em></span>. Many insurance companies will either not insure or will offer different coverage for apartment buildings more than seven stories in height.<br /> <br /> <em><strong>Different companies charge different insurance rates over times for the same coverage/ risk</strong></em>. For that reason shopping for right insurance rate is something that has to be done on regular basis because they may be able to find more competitive rates. Dealing with an independent insurance agent helps in obtaining quotes from multiple insurers offering <em>apartment building insurance quotes in Chicago Illinois</em>.urn:uuid:7d8f9790-baeb-47f6-b2e3-b67f4f2c44a9The Illinois Employee Classification Act (820 ILCS 185/10) was made to deal with the practice of misclassifying construction workers as &ldquo;independent contractors&rdquo;. The Law went into effect on January 1, 2008 stated that all workers for con...Sun, 18 Dec 2011 17:46:45 -0600<p><strong><em><span style="text-decoration: underline;">The Illinois Employee Classification Act</span></em></strong> (820 ILCS 185/10) was made to deal with the practice of misclassifying construction workers as &ldquo;independent contractors&rdquo;. The Law went into effect on January 1, 2008 stated that all workers for construction companies are presumed to be &lsquo;employees&rsquo; and not &lsquo;independent contractors&rsquo; unless they meet specific exceptions in the Law.<br /> <br /> <table align="right" style="background-color: #002300; width: 355px; font-family: times; height: 37px; color: #ffff50;border: #00b0f0 3px groove;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is an Illinois indepdent insurance brokerage firm representing several&nbsp; <em>business insurance and workers compensation insurance companies in the States of Illinois and Indiana</em>,. The agency is offering its services through several locations in the area.<br /> The agency main workers compensation&nbsp;focus includes:<br /> <br /> <blockquote><span style="font-size: 10px;"><em><strong>** Workers compensation for Illinois construction contractors<br /> ** <strong><em>Workers compensation </em></strong>Insurance for Illinois and Indiana used car dealers.<br /> ** Insurance for Indiana and Illinois trucking business including long haul, cargo and interchange.<br /> ** Insurance for Indiana and Illinois tow truck businesses.<br /> ** Garage insurance for repair shops (all mechanic and body shops)<br /> ** Indiana and Illinois workers compensation insurance<br /> ** Apartment Building Insurance in Chicago Illinois<br /> ** Indiana and Illinois contractors</strong></em></span><br /> </blockquote><br /> For fast and free consultation, quick quotes please call one of our licensed workers compensation insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> <strong><em>Misclassifying employees as independent contractors</em></strong>&nbsp; harms the misclassified employee by&nbsp; restricting their legal protections, primarily their eligibility and to worker compensation insurance, unemployment assistance, &amp; fair compensation. Additionally, the practice of misclassification will adversely affect the State of Illinois&rsquo;s revenue by reducing unemployment insurance&nbsp; paid by these employers to the State, and&nbsp; other contributions such as workers' compensation contributions paid by these contractors based on their number of "fully employed" staff.<br /> <br /> In 2009 Illinois State Attorney fined five construction companies over $79,000 for misclassifying workers as &lsquo;independent contractors&rsquo;.<br /> Specific exceptions to the law: Illinois Employee Classification Act makes specific exclusions. These exclusions revolve around control, direction&hellip;</p> <ul> <li>If a contractor&nbsp; lacks&nbsp; control or direction of an individual&nbsp; / subcontractor performance of the service and provide their own resources and tools to do the job. </li> <li>If service performed by individual / subcontractor&nbsp;is outside the contractor&rsquo;s line of service. </li> <li>If the individual / subcontractor&nbsp;has own trade with distinguished and separate address and unique business name. </li> <li>The individual / subcontractor&nbsp;business will not end upon the severance of the relationship between that individual and the contractor. </li> <li>The individual / subcontractor business has substantial capital investment in the business, beyond ordinary tools or personal vehicles used. </li> <li>The individual / subcontractor business provides its&nbsp; services to the general public on continuous basis,&nbsp; owns the capital good and makes its own profit and loss, and includes&nbsp; services offered&nbsp; on a Federal Income Tax Schedule as an independent business . </li> <li>If the individual / subcontractor business can hire and pay their own employees to do the job without the approval or consent of the contractor, and is reporting the employees income to the IRS. </li> <li>If contractor does not represent individual / subcontractor business as employee to customers. </li> <li>If the individual / subcontractor business can perform similar services to other people any time it chooses and under any assumption. </li> </ul>urn:uuid:f400a7d7-752f-4280-b48a-ceedab3e5ff5by Edward Snaneh, Expert and Licensed Agent for Business Insurance in Chicago Illinois Affordable business insurance rates in Illinois is one of the most important aspects facing Illinois business owners. The cost of business insurance is based on s...Sun, 18 Dec 2011 10:32:47 -0600<em><strong>by Edward Snaneh, Expert and Licensed Agent for Business Insurance in Chicago Illinois</strong></em><br /> <br /> <em><strong>Affordable business insurance rates in Illinois</strong></em> is one of the most important aspects facing Illinois business owners. The cost of business insurance is based on several factors. The classification of the business, size of the business, business physical conditions, and coverage types and amounts are the major factors. Several other factors may be affect business insurance rates.<br /> <table align="right" style="background-color: #002300; width: 350px; font-family: times; height: 35px; color: #ffff50;border: #00b0f0 3px groove;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is an Illinois Indepdent Insurance Agency representing several&nbsp; <em>business insurance companies in the States of Illinois and Indiana</em>, and is offering its services through several locations in the area.<br /> The agency main focus includes:<br /> <br /> <blockquote><span style="font-size: 10px;"><em><strong>** Insurance for retail, wholesale, and small manufactuing operations.<br /> ** Insurance for Illinois and Indiana used car dealers.<br /> ** Insurance for Indiana and Illinois trucking business including long haul, cargo and interchange.<br /> ** Insurance for Indiana and Illinois tow truck businesses.<br /> ** Garage insurance for repair shops (all mechanic and body shops)<br /> ** Indiana and Illinois workers compensation insurance<br /> ** Apartment Building Insurance in Chicago Illinois<br /> ** Indiana and Illinois contractors</strong></em></span><br /> </blockquote><br /> For fast and free consultation, quick quotes please call one of our licensed business insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> <br /> <span style="text-decoration: underline;"><em><strong>Business Insurance Classification</strong></em></span>: Classification of business operations is perhaps the most important factor. Generally speaking the insurance companies will use their own classification codes or&nbsp; the SIC classification and the General Liability Classification Guide, or their own methods to distinguish between and classify businesses. Example: Not all 'grocery stores' are the same for insurance purposes. A grocery store that is less than 4,000 square feet has different classification than one that is over 4,000 square feet, or over 10,000 square feet.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Business Insurance and Size</strong></em></span>: Size of the business is second important factor. Insurance companies use different indicators to distinguish between similar businesses. The most common indicators for the size of the business is (1) Sales or receipts of the business, (2) Area of the business expressed in square footage, and (3) Payroll paid to employees on annual basis. For example: A pharmacy that sells $300,000 every year has lower chances of being sued for liability purposes than another pharmacy that sells $500,000 per year. Also, a contractor with annual payroll of $75,000 has lower probability of being sued than another similar contractor with annual payroll of $220,000.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Business Insurance and Physical Condition</strong></em></span>: Physical conditions of the business refer to the antenatal and external conditions. Relevant factors include age of the building, construction type of the building, number of stories, percentage of vacancies in the same building, dates of most recent updates, burglar and security alarms, etc. Of particular importance is if or not there is a central fire station and if&nbsp; or not the business is sprinkled automatically or not. Those two can determine if the business can qualify for sizable discount or not. <br /> <br /> <span style="text-decoration: underline;"><em><strong>Business Insurance Coverage Types &amp; Limits</strong></em></span>: Coverage types and amounts or limits are another pricing factor for business insurance. Main property types include building coverage, business personal property coverage (content of the business). Other insurable property related coverages include business interruption (business income), crime coverage (robberies and burglaries), outdoor signs, properties in transit, property of others, etc. Amounts / limits of coverage will determine the price, as higher limits pay more premiums.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Other important factors may include the business ZIP code &amp; business credit worthiness</strong></em></span>. Some insurance companies seem to be more sensitive to ZIP codes than others: For example, insurance premium for a building in ZIP code 60642 in Chicago could be significantly different than an identical building with same coverage on the other side of the street with a different ZIP code of 60453 (adjacent village of Oak Lawn). Also, certain companies place more emphasis on credit of business. Credit worthiness of the business (checked by different sources by either business name, phone number etc.)<br /> <br /> The key and most important determinant of business insurance premiums is the insurance company itself. Certain companies are more competitive than others in specific market segment. If you are have a super deal on your personal auto insurance with certain company, the same company may not be as lovely and as competitive as you might think when it comes to your business truck, or warehouse insurance. <br /> <br /> Shopping for <span style="text-decoration: underline;"><em><strong>affordable business insurance in Illinois</strong></em></span>, and other states, does not have to be painful. Discussing your business insurance need with an independent agent can be very productive. Independent insurance agents, normally, have more access to wider range of insurers, hence they offer better chances of finding the right coverage at the right price. There are thousands of agents for business insurance in Chicago and some of them have extensive experience in finding <strong><em>affordable business insurance in Illinois</em></strong>.urn:uuid:1e06915c-457b-497c-940e-00849cb1b1f9by Ed Sneneh, Illinois Auto Insurance Agent in Chicago Progressive auto insurance announced today that it will adjust its commercial auto insurance rates in Illinois effective today December 15, 2011. The new higher rates will apply to all new busi...Fri, 16 Dec 2011 02:59:51 -0600<em><strong>by Ed Sneneh, Illinois Auto Insurance Agent in Chicago</strong></em><br /> <br /> <br /> <span style="text-decoration: underline;"><em><strong>Progressive auto insurance</strong></em></span> announced today that it will adjust its <span style="text-decoration: underline;"><em><strong>commercial auto insurance rates in Illinois</strong></em></span> effective today December 15, 2011. The new higher rates will apply to all new business written effective today. <em><strong>Commercial auto insurance rates</strong></em> for renewal will go up effective January 19, 2012.<br /> <br /> <strong><em>Progressive commercial auto physical damage insurance rates in Illinois</em> </strong>went up because of a rise in loss frequency that Progressive have experienced in Illinois. The overall <em><strong>commercial automobile insurance rates</strong></em> will vary by type of coverage and business class. Community as determined by ZIP code, prior insurance, and history of operators are still determining factors of the rate.<br /> <br /> <table width="326" height="262" align="right" style="border: 3px groove #00b0f0; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based agency and a leader in the <span style="text-decoration: underline;"><em>Illinois Commercial Auto Insurance. Trucking Insurance and Cargo Insurance.</em></span> Our agency represents several <em>auto and commercial trucking insurance carriers in the States of Illinois, including Progressive Auto Insurance Company</em>, and is offering its services through several locations in the Chicago area.<br /> <br /> For fast and free consultation, quick quotes please call one of our licensed insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> Raising the <em><strong>Illinois commercial auto physical damage rates</strong></em> of Progressive was not a surprise to many insurance experts in the Chicago Illinois area. Progressive maintained some of the <span style="text-decoration: underline;"><em><strong>lowest auto insurance rates in Illinois</strong></em></span>. Many<em><strong> business auto insurance agents</strong></em> chose Progressive as a source for physical damage coverage, when <em><strong>commercial auto liability insurance</strong></em> was placed with a different carrier. Because of that 'split coverage' was common for several commercial auto insurance programs, where <em><strong>commercial auto liability coverage</strong></em> was placed with one company and commercial physical damage (or comprehensive and collision) was placed with a different company, to minimize premiums.<br /> <br /> Company officials and <em><strong>Illinois business auto insurance</strong></em> experts still believe that Progressive is a very competitive provider of&nbsp; a number of Illinois commercial auto insurance plans. In Chicago and remainder of Illinois, Progressive is a well known source of commercial automobile insurance for religious institutions, food vending trucks, and artisan contractor vehicles.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Commercial Automobile Insurance for Religious Institutions</strong></em></span>. There are over 300,000 religious institutions in the United States, without counting faith-based schools, camps, nonprofits and other institutions. Progressive Insurance Company accepts the larger vehicles typically&nbsp; used by these institutions, such as the 15-passenger vans and buses. <br /> <br /> <span style="text-decoration: underline;"><em><strong>Food vending vehicles insurance</strong></em></span> include lunch truck insurance, ice cream vending truck insurance and other food truck vending insurance. Progressive insurance is an active insurer of these commercial autos.<br /> <br /> Progressive insurance company also offers business auto insurance for a variety of contractors including heating and air conditioning, electricians, construction vehicles insurance. The extra coverages that Progressive auto insurance offer at little or no extra charge such as rental coverage, towing coverage, hired and non owned auto; make Progressive very special carrier.urn:uuid:61efaa0b-426c-4793-bd89-f430c41d01c1Edwardo Sneneh, Agente De Seguros De Auto en Chicago Illinois Muchas personas se preguntan, podemos tener aseguranza de auto con cero pago inicial? La respuesta es s&iacute; y no. La mayor&iacute;a de las compa&ntilde;&iacute;as de seguros no vend...Tue, 13 Dec 2011 01:37:56 -0600<em><strong>Edwardo Sneneh,</strong><strong> Agente De Seguros De Auto en Chicago Illinois<br /> </strong></em><br /> Muchas personas se preguntan, podemos tener <em><strong>aseguranza de auto con cero pago inicial</strong></em>? La respuesta es s&iacute; y no. <br /> <br /> La mayor&iacute;a de las compa&ntilde;&iacute;as de seguros no venden <em><strong>seguros de auto con no pago inicial</strong></em>. Las compa&ntilde;&iacute;as de seguros deben ser pagados por el servicio. Las compa&ntilde;&iacute;as no ofrecen ning&uacute;n tipo de cobertura de forma gratuita.<br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td> <div style="text-align: center;"><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNavy</span></strong></span><br /> </div> <span style="font-size: 24px;"><strong><span style="text-decoration: underline;"><br /> </span><span style="font-size: 13px;">*Muchas oficinas en el &aacute;rea de Chicago<br /> <br /> * Ofrece un seguro para los operadores con licencia, y&nbsp; Operadores sin licencia<br /> <br /> * Peque&ntilde;o pago mensual<br /> <br /> * Cobertura inmediata por tel&eacute;fono</span><br /> </strong></span><br /> <div style="text-align: center;"> llame ahora<br /> </div> <br /> <div style="text-align: center;"><strong>(708) 237-0404 or (773) 478-3700</strong><br /> </div> </td> </tr> </tbody> </table> <br /> A veces, usted puede tener <em><strong>seguros de auto con no pago inicial</strong></em>, si usted tiene buen cr&eacute;dito. Si usted no paga lo que debe La compa&ntilde;&iacute;a de seguros poner su nombre en las oficinas de cr&eacute;dito. Despu&eacute;s de que usted tiene mal cr&eacute;dito. El pago inicial es la garant&iacute;a.<br /> <br /> Otras compa&ntilde;&iacute;as de seguros le puede pedir lo siguiente: Usted tiene un pago inicial de $ 185, y luego 4 pagos mensuales de $87. Esto significa que usted tendr&aacute; que pagar $ 533.00 al final.<br /> <span style="text-decoration: underline;"><strong><br /> Seguros de coches baratos, no pago inicial seguros de auto</strong></span>:<br /> <br /> Un agente puede decir lo siguiente: usted no tiene que pagar el pago inicial de 185. Por el contrario, usted no paga ning&uacute;n pago inicial, o cero pago inicial, sin embargo, usted debe pagar el primer pago mensual de $87 y despu&eacute;s de que usted debe pagar $ 113.75 por cuatro meses. Esto significa que usted todav&iacute;a tiene que hacer un pago en el momento de la compra de la p&oacute;liza de seguro. El nombre de ese pago no se 'pago mensual', pero se llama "pago incial primero"! Al final tendr&aacute; que pagar $542, m&aacute;s de la opci&oacute;n 'normal'.urn:uuid:eb3ccac7-2466-400e-8acf-8fdade6e725c<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Sneneh, Illinois Auto Insurance Agent in Chicago Many people wonder if no down payment car insurance, also known as 'zero down payment car insurance' is a reality. In fact the vast majority of insurance companies will never offer any insurance...Tue, 13 Dec 2011 00:15:16 -0600<span style="text-decoration: underline;"><em><strong>by Ed Sneneh, Illinois Auto Insurance Agent in Chicago</strong></em></span><br /> <br /> Many people wonder if <em><strong>no down payment car insurance</strong></em>, also known as '<strong><em>zero down payment car insurance</em></strong>' is a reality. In fact the vast majority of insurance companies will never offer any insurance, car insurance or other insurance, without down payment. The few companies that allow selling <em><strong>auto insurance without down payment </strong></em>are found among preferred carriers that will check the credit of the applicant, and will approve such insurance with no down payment to certain clientele, and will also report any unpaid balances to credit bureaus.<br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" alt="Chicago auto insurance quotes" style="float: right;" longdesc="Online auto insurance quotes Illinois" /><br /> Auto insurance coverage is a promise from&nbsp; the insurance company to pay for claims made by clients in return of premium payments. If premiums are not paid there is no coverage. The question that comes to mind is: When an auto insurance company extends legal and binding offerings coverage to a client, what kind of guarantee does the company get that the client will pay the premium (the legal contact's consideration)? If the client does not make the down payment, the only guarantee is his/ her credit.<br /> <br /> Typical Scenarios of the No Down Payment Car Insurance<br /> <br /> <em><strong>1. Zero down payment auto insurance </strong></em>may be offered by a few preferred company for people with great credit. If client does not pay later for the time he/she was covered, the balance will be forwarded for collection and will be reported to credit bureaus. Some companies will bill the balance to the agent who wrote the policy.<br /> <br /> <em><strong>2. Zero down payment car insurance</strong></em> may also be offered by some agent as an advertisement strategy. The way it works is like this:<br /> <br /> <em><strong>Normal Situation</strong></em>: An auto policy may require a down payment of $185.00 and four monthly payments of $87.00. In this case you will end up paying $533.00 for that automobile policy.<br /> <em><strong>No Down Payment Auto Insurance Option</strong></em>: The agent may ask you to make no down payment, but the agent will ask you to make the first monthly payment of $87.00 now, and four monthly payments of $113.75, hence your total will be $542.00. This means that while you may not make the <em>down payment,</em> your first monthly payment is due now, at the time of purchasing the policy! Also, and most likely than not, you will end up paying more than what you would have paid with the full payment option.<br /> <br /> Insurance with no down payment is not limited to car insurance. There are also n<em><strong>o down payment business insurance</strong></em>, <em><strong>no down payment homeowners insurance</strong></em>, etc. The phrase&nbsp; 'no down payment' and 'zero down payment' should not be interpreted as a way for you to get auto insurance and pay for it as it suits you.urn:uuid:0b725836-72df-4d70-87ff-8f57152ec80eby Edwardo Sneneh, Illinois Insurance Agent, Chicago Health insurance is one of the most important issues in the life of Americans, yet many individuals do not fully comprehend certain important aspects of their health insurance policy. Understandin...Sun, 11 Dec 2011 23:33:03 -0600<em><strong>by Edwardo Sneneh, Illinois Insurance Agent, Chicago</strong></em><br /> <br /> Health insurance is one of the most important issues in the life of Americans, yet many individuals do not fully comprehend certain important aspects of their health insurance policy. <strong>Understanding health insurance terminology</strong> will allow you to take better decisions about coverages. It will allow you to better file your insurance claims and prevent you from making costly claim procedures.<br /> <br /> Regardless if you have an individual policy, or you are part of a group benefits, many of the .&nbsp; As long as you know what these terms mean, and how they determine your benefits, you will be able to understand the explanation of benefits that you get from the insurance provider.&nbsp; Knowing policy terminology will also help you decide if certain test and procedures would be affordable and covered on your possible.<br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based agency and a leader in the <span style="text-decoration: underline;"><em>Illinois Health&nbsp; Insurance, Hospital Insurance and Illinois Major Medical Insurance</em></span>. Our agency represents several <em>health insurance carriers in the States of Illinois</em>, and is offering its services through several locations in the Chicago area.<br /> <br /> For fast and free consultation, quick quotes please call one of our licensed health insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> <br /> The following are the few important terms everyone should familiarize themselves with:<br /> <br /> <strong>Health Insurance Policy Deductible</strong>: The amount specified by your health insurance company that the insured person or member must pay first&nbsp; before the insurer pay anything.&nbsp; The range of deductible is from $0 to $5,000. The normal deductible is $500 to $1,000. Deductibles can be per calender year or, less common, per claim. Higher deductible means lower monthly premiums.<br /> <br /> <strong>Health Insurance Out Of Pocket Expense</strong>: This is the amount of money (sometimes expressed as a percentage of certain amount (ie 20% of the first 5,000) that the insured may pay as a maximum out-of-pocket, before the insurance will pay at 100%.&nbsp; <br /> <br /> Example:&nbsp; If there is a deductible of $1,000 on a policy with a coinsurance rate of 20% of the first $5,000 then the out of pocket expense of $1,000 (20% X 5,000).&nbsp; If the customer incurs a medical bill of $4,000 then the customer will pay the first $1,000, then 20% of the remainder ($3,000) or $600 as a coinsurance. The remaining balance of $2,400 (4,000 less 1,000 less 600) will be paid by the insurance company. The customer, in this example, is not supposed to pay more than the deductible plus the additional $1,000 out of pocket, even if the bill is much larger.<br /> <br /> <strong>Co-Pay</strong>: Co-pay is a set fee set up by the insurance company to pay for a doctors visit, or trip to the emergency room.&nbsp; Typical doctor office visit co-pay is $20 per visit, and typical emergency room copay is $75 per visit.<br /> <br /> <strong>In Network / Out of Network</strong>: Every health insurance, major medical policy will have a group of medical and health care providers (physicians, medical facilities, and hospitals) that are considered to be a part of their network. Insurers may use different networks for their different plans.&nbsp; Using different health network may subject the insured to pay higher deductibles, higher coinsurance (out of pocket maximum), and higher co-payments. <br /> <br /> Major medical and other <strong>hospital insurance policies</strong> have other rules regarding alcoholism rehab, mental health, drug rehab, and outpatient surgeries. Those rules are normally stipulated in benefit booklet.&nbsp; All health insurance companies have customer service numbers with professional people who may answer your questions.urn:uuid:0774cb32-d640-4d6e-b6ca-611dd99bbb76by Ed Sneneh, Health Insurance Agent in Chicago Illinois People who file health insurance claims always wonder how to know if their health and medical insurance claims are being dealt with correctly!&nbsp; The unpleasant fact is that the vast majori...Sun, 11 Dec 2011 01:52:11 -0600<em><strong>by Ed Sneneh, Health Insurance Agent in Chicago Illinois</strong></em><br /> <br /> People who file health insurance claims always wonder how to know if their health and medical insurance claims are being dealt with correctly!&nbsp; The unpleasant fact is that the vast majority of folks don't know how to effectively file and handle <strong>health and medical insurance claims</strong>, and just take the word of the insurance company.&nbsp; Most people imagine that health and medical insurance is too complicated to understand and they just accept what benefits are offered to them. Things do not have to be this way.&nbsp; Comprehending your <strong>medical and health insurance benefits </strong>is easier than you think.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois Health&nbsp; Insurance, Hospital Insurance and Illinois Major Medical Insurance</em></span>. The agency represents several <em>health insurance companies in the States of Illinois</em>, and is offering its services through several locations in the area.<br /> <br /> For fast and free consultation, quick quotes please call one of our licensed health insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> It is a n established fact that all businesses and individuals make mistakes and errors from time to time, and health insurance companies are not any different.&nbsp; Health insurers do not do it deliberately, but errors happen.&nbsp; Educating what your benefits are ahead of time will help you and your family to receive all the benefits you are entitled to.<br /> <br /> When some one gets medical treatment and the claim has been submitted to the <strong>health insurance carrier</strong>, the insurer will start processing the claim.&nbsp; After the claim is processed, the insurance company will send you, the insured or the member, a statement or form which is known as the '<strong>Explanation Of Benefits'</strong>.<br /> <br /> In fact the terminology used here maybe a little misleading because most of the explanation forms are written in coded.&nbsp; However, it is easy to find the answer.&nbsp; If there are codes out to the side of your treatments there will be a code key somewhere on the form telling you what it means.&nbsp; There are a few other issues that may be a little confusing too.&nbsp; For instance, many health insurance companies will put the word surgery out beside whatever treatment you had.&nbsp; This does not always mean real operation.&nbsp; Your doctors probably have used a tube up in your nose to look at your sinuses at the doctor office and the health insurance carrier may list that as surgery.<br /> <br /> More important than the terminology on this form is being sure you received the correct benefits.&nbsp; If you know your office visit co-pay is $25, then you should not be billed for anything else, unless you really did have some kind of surgical procedure done that is not covered under the co-pay.<br /> <br /> Always look at your explanation of benefits and if it says you are responsible for any or all parts of the charges, then be sure and call the customer service number to the insurance company.&nbsp; Customer service is there to answer any questions you may have about these benefits and even future benefits.<br /> <br /> The easiest way to check your medical payments is to keep your benefit booklet available at all times.&nbsp; When you can refer to your benefits booklet it is easy to see if you are getting the correct benefits.&nbsp; This is also helpful to have by your side when talking to a customer service representative.urn:uuid:c8fa6fc0-5309-4a9f-a20f-b4aebebfdf9dby Ed Sneneh, Illinois Health Insurance Agent in Chicago Everybody needs health insurance and yet it can be one of the most confusing things to comprehend.&nbsp; Selecting the proper medical insurance coverage for your family is very important.&nbsp...Sun, 11 Dec 2011 00:59:23 -0600<em><strong>by Ed Sneneh, Illinois Health Insurance Agent in Chicago</strong></em><br /> <br /> Everybody needs health insurance and yet it can be one of the most confusing things to comprehend.&nbsp; Selecting the proper <strong>medical insurance coverage</strong> for your family is very important.&nbsp; Here are some ideas and suggestions to help you choose a health insurance policy, with the best benefits, for you and your family.<br /> As you begin the search for the right <strong>family health insurance coverage</strong>, take some time to examine the health issues of your family.&nbsp; Most families that are in good health, and typically just have routine checkups, may not need the same level of <strong>health insurance protection</strong> that men and women with chronic health conditions do.&nbsp; But in the event that someone in your family has a reoccurring health issue, then you need not to take any short cuts!&nbsp; You surely don't want to have insufficient coverage and end up liable for significant health care and medical bills.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002300; font-family: times; color: #ffff50;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois Health&nbsp; Insurance, Hospital Insurance and Illinois Major Medical Insurance</em></span>. The agency represents several <em>health insurance companies in the States of Illinois</em>, and is offering its services through several locations in the area.<br /> <br /> For fast and free consultation, quick quotes please call one of our licensed health insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> Does this mean that the well family will never get sick?&nbsp; No, but if your family has had very minor problems for several years, then getting a less expensive policy might still be what you need.&nbsp; Some families can get buy with a higher deductible policy as long as it has as good prescription drug plan for regular monthly medicines.<br /> <br /> The system that most insurance companies set up most major medical policies is by how high the deductible is and what percentage the insurers will be responsible for.&nbsp; These two factors can make a significant difference on the premiums charged.<br /> <br /> Unlike auto insurance deductible which is set on the 'per accident' basis, health insurance deductible is applicable as per calender year basis with most insurers. Still, some companies will still charge health insurance deductible on 'each occurrence' too. Usually a health insurance policy with a high deductible will have lower premium.&nbsp; The reason for that is because the member may never have medical expenses that exceed the deductible, and the insurance company gets the premiums and still has to pay out nothing!&nbsp; <br /> <br /> Health insurance companies normally ask its policyholders to start sharing the bills for any expense amount after the deductible at a specified rate, normally 20% to 30% to be paid by insured and balance by the insurer subject to certain out pocket maximum, such as $1,000 per year. Just remember that even these <strong>major medical health insurance policies</strong> will have a cap on how much a member has to spend out of their own pockets.&nbsp; This is good for you because once you have met that cap, the insurance company will usually pay 100% the rest of the calender year.<br /> <br /> Along the same venue, if the deductible is low, then the premiums will usually be very high.&nbsp; The insurance companies are trying to offer policies with options you can afford, while at the same time spreading out their risk.<br /> <br /> When you are selecting your policy, consider what your budget can afford, and what financial means would you have for medical expenses if someone in your family had a real health crisis.&nbsp; It is better to&nbsp; budget in another area than to cut back on insurance.&nbsp; The right insurance can afford you better preventive care options and financial security.urn:uuid:d1d16eee-8a14-4924-8059-a38e72c51f68The US Federal Government through its Federal Insurance Office is looking forward to receiving comments from the general public about ideas on how to modernize and renovate the US regulatory insurance system. This step comes consistent with the late ...Sat, 10 Dec 2011 08:45:45 -0600<p>The US Federal Government through its Federal Insurance Office is looking forward to receiving comments from the general public about ideas on how to modernize and renovate the US regulatory insurance system. This step comes consistent with the late Dodd-Frank Wall Street Reform and Consumer Protection Act which was enacted by the Government and signed by President Barack Obama July 21, 2010 .<br /> <br /> Initially the law was introduced to the&nbsp; House of Representatives by Barney Frank and for the Senate Banking Committee by Chairman Chris Dodd. The law came to reform the ailing financial system in the US. The law is aiming "To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes".&nbsp; For that purpose the Federal Insurance Office FIO was created to monitor the insurance industry, with special attention given to the traditionally underserved groups and minority and lower income classes, except for health insurance. <br /> <br /> Among other things that the Act is aiming at are the administration of&nbsp; the Terrorism Insurance Program, coordination different states Insurance Commissioners agendas and other international insurance matters. The FIO, which is part of the US Secretary of the Treasury will be making recommendations about insurance reforms and about insurance companies that may pose risks.<br /> <br /> On October 17, 2011 the US Treasury Department has issued a request and notice for comment, asking for the public contribution on ideas needed to complete a report to US Congress on methods to revise and advance the system of insurance laws and regulations&nbsp; in the United States of America.&nbsp; All Comments are due no later that&nbsp; December 16, 2011. Early submissions of ideas and recommendations are encouraged. People with questions should contact Federal Insurance Office, Department of Treasury, at (202) 622&ndash;3137.<br /> <br /> The State of Illinois is one of the states that has been witnessing serious stagnation in the insurance industry.&nbsp; Lots of recommendations and ideas can be offered to improve our insurance system and regulations regarding the following:<br /> <strong>1. </strong><strong>Illinois</strong><strong> auto insurance claims services</strong><strong><br /> <strong>2. </strong></strong><strong>Illinois</strong><strong> homeowners insurance underwriting policies</strong><strong><br /> <strong>3. </strong></strong><strong>Illinois</strong><strong> auto insurance programs and SR22 filing</strong><strong><br /> <strong>4. </strong></strong><strong>Illinois</strong><strong> workers compensation insurance programs.</strong><br /> <br /> Insurance consumers and experts are encourage to submit their comments with the Federal Insurance Office&nbsp; <a href="http://www.regulations.gov/">here</a>.</p>urn:uuid:6851bd03-1a48-476e-b12b-f1c5b3a56669by Ed Sneneh, Illinois Health Insurance Agent in Chicago The subject of medical&nbsp; insurance is one of the issues that we believe anxiety among readers because of its extreme importance and high cost, yet in.&nbsp; Locating an affordable health i...Sat, 10 Dec 2011 00:38:34 -0600<em>by Ed Sneneh, Illinois Health Insurance Agent in Chicago<br /> </em><br /> The subject of medical&nbsp; insurance is one of the issues that we believe anxiety among readers because of its extreme importance and high cost, yet in.&nbsp; Locating an affordable health insurance policy may be be easier than many people might think, if proper measures are used to <br /> <br /> Working men and women typically have access to group health insurance as part of their group benefit package, but certain individuals are not that lucky and may not have the health benefits.&nbsp; Also, when people lose their jobs, or change employer from larger employers to smaller ones, they may lose their health insurance benefits. Getting individual health insurance becomes the solution.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002090; font-family: times; color: #ffff00;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois Health&nbsp; Insurance and Illinois Medical Insurance</em></span>. The agency represents several <em>health insurance companies in the States of Illinois</em>, and is offering its services through several locations in the&nbsp; area.<br /> <br /> For quick and free consultation, quick quotes please call one of our licensed health insurance agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> There are many ways of getting health insurance quotes. Online health insurance rates are offered by many websites. Many insurance companies offer their customers with the opportunity to get instant health insurance rates from among several health and medical insurance plans available. Dealing with rates from one insurer may not be the best choice, because the comparison is done within one company. Some independent insurance agents offer rating engines that will compare health insurance quotes from multiple insurers, hence allowing clients to compare several options from several insurers. While this choice is more beneficial for the customers, the number of health insurance plans available from many insurers may be confusing to the client. Comparing apples to apples is not an easy task with the amount of information available for each plan.<br /> <br /> One great feature of many of the informational websites is that they have the ability to sort the quotes based on certain criteria.&nbsp; If the premium is your chief question, you may sort by the rate amount.&nbsp; Sorting can also be done based on other criteria such as deductible amounts or other feature.<br /> <br /> As soon as you locate an insurance carrier that you are interested in you may contact one of their licensed agents that they list.&nbsp; Verifying the experience of the agent is important. While older agents seem to have more and longer experience, younger agents may be more enthusiastic, and better versed in this business.&nbsp; Dealing with an independent health insurance agent, one that represents many health carriers is important.<br /> <br /> Asking questions, reading fine prints, and comparison of benefits are all important tasks before you take your final decision. Before signing on anything be sure you comprehend the key benefits offered by the plan, such as deductible amounts, co-insurance amount and percentages, co-pays for doctor visit and prescription, etc.&nbsp; Searching for insurance online can save you effort and money, so the next time you are in the market for health insurance, do your research online. There is no substitute for having a professional health insurance agent in assisting you in the final decision.urn:uuid:4d8b958c-0e26-42fb-be92-fba13dbf0ee5by Ed Sneneh, Illinois Auto Insurance Specialist in Chicago Most insurance experts agree that ZIP codes, age, gender, and marital status of the auto insurance applicants have important effect on the auto insurance rates. When combined, gender and ag...Fri, 09 Dec 2011 01:14:31 -0600<strong>by Ed Sneneh, Illinois Auto Insurance Specialist in Chicago</strong><br /> <br /> Most insurance experts agree that ZIP codes, age, gender, and marital status of the auto insurance applicants have important effect on the auto insurance rates. When combined, gender and age become critically important for younger people under age 25 years. For example, males age 16 pay little less than double what females of the same age pay for liability auto insurance in Chicago Illinois.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002060; font-family: georgia; color: #ffff00;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois Auto Insurance</em></span>. The agency represents several <em>auto insurance companies in the States of Illinois</em> and Indiana, and is offering its services through several locations in the arealand area.<br /> <br /> For quick and free consultation, quick quotes please call one of our agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 237-0404</strong><br /> </div> </td> </tr> </tbody> </table> Insurance experts attribute the elevated auto insurance rates for males to more risky driving behavior which is justified by higher percentage of auto crashes for males over females in that age brackets.&nbsp; Experts believe that this trend is diminishing as more females in that age brackets are exhibiting high risk driving patterns. very close to their male counterparts. The gap between the rates for these two sets of drivers is diminishing.<br /> <br /> <strong>Text messaging while driving </strong>is a new phenomenon which emerged in the past two decades. More studies are revealing that texting while driving is dangerous, and it increases the chances of serious and fatal crashes. According to texting-while-driving.org studies reveal that texting while driving is causing crashes twice as much as drunken driving. <br /> <br /> However, initial statistics showed that more younger females are using text messaging than their male counterpart, an argument that was in favor of raising premiums for younger females. According to msnbc.com 72% of adult americans are <strong>texting while driving</strong> in 2010. Another 2008 survey by the Nationwide Insurance, women cell phone owners were more likely than male cell phone owners to use their cell phone while driving at a rate of 85% versus 78% for men and women, respectively.<br /> <br /> <span style="text-decoration: underline;"><strong>Gender and Texting While Driving</strong></span><br /> <br /> More recent studies (Madden and Rainie, 2010, others) revealed that young men and women use text at different rates, but rates of texting while driving are equal among both genders. The continuous studies continue to show that texting while driving is a dangerous habit that is shared equally among different age brackets with little or no significance attributed to gender.<br /> <br /> <span style="text-decoration: underline;"><strong>Illinois Prohibit Cell Phone Use While Driving </strong></span><br /> <br /> Texting while driving continues to be a challenge to the auto insurance business, but it will not be a major factor playing against certain age, gender, or marital status.&nbsp; The State of Illinois is one of the states that have made it illegal to use the cell phone or text while driving.urn:uuid:ab006539-6c80-4068-b374-aa7fbe067de8<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' />by Ed Sneneh, Illinois Tow Truck Insurance Specialist Tow truck insurance in Illinois is one of the intriguing areas of garage insurance. Dealing with tow truck insurance in Illinois require specialized skills and knowledge of certain fundamental co...Thu, 08 Dec 2011 01:53:32 -0600<em><strong>by Ed Sneneh, Illinois Tow Truck Insurance Specialist</strong></em><br /> <br /> <span style="text-decoration: underline;"><em><strong>Tow truck insurance in Illinois</strong></em></span> is one of the intriguing areas of garage insurance. Dealing with tow truck insurance in Illinois require specialized skills and knowledge of certain fundamental coverages that are legally required or optionally applicable&nbsp; to the tow trucking operations.<br /> <br /> Generally speaking, towing businesses must maintain the following coverages: <span style="text-decoration: underline;"><em><strong>Garage liability insurance</strong></em></span>,&nbsp; garagekeepers, and business auto. Garage insurance includes both auto insurance and commercial auto liability insurance. Garagekeepers insurance includes physical damage insurance (comprehensive and collision) on customers vehicles. This coverage may come as either on hook (while customer vehicles are in tow), or off hook (while customer vehicles are in storage).&nbsp; Two truck businesses are also required to schedule their own vehicles for business auto insurance. Physical damage insurance (comprehensive and collision) on own tow truck is an optional coverage and may be needed for newer vehicles only or for vehicles that have lienholders.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Towing for hire insurance limits</strong></em></span> in Illinois must meet certain ICC requirements and other State requirements. In most cases the minimum limits are $750,000 Combined Single Limit for auto and garage liability insurance. Limits on On Hook coverage starts at $25,000 each vehicle.<br /> <img src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" alt="Progressive Commercial Auto Insurance" style="float: right;" longdesc="Best Tow Truck Insurance in Chicago Illinois, Progressive Tow truck Insurance" /><br /> The best tow truck insurance in Chicago Illinois is the one that meets the goal of the business and its budget. <span style="text-decoration: underline;"><em><strong>Progressive commercial auto insurance</strong></em></span> offers one of the <span style="text-decoration: underline;"><strong>best tow truck insurance</strong></span> policies in Chicago Illinois. Progressive excellent, fast and reliable customer and claim services.<br /> <br /> Unlike Progressive that offers <span style="text-decoration: underline;"><strong>insurance for towing for hire business</strong></span>, Travelers Insurance, Utica Insurance, Hartford Insurance, Auto Owners Insurance companies do offer excellent coverage for garage and trucks at reasonable prices. However the coverage is available only in connection with other garage activities, and tow truck for hire may not be covered. Many companies will not do the filing for the ICC, which is required from all for hire tow trucks.<br /> <br /> <strong>Insurance Companies Offering Tow Truck Insurance In Chicago Illinois</strong><br /> <br /> The Chicago Illinois market is one of the largest markets for the towing businesses. Many companies resort to price competition, something that may benefit consumers but may cost them more time in claim services and in shopping and re-shopping time. The following is a list of local Chicago Illinois tow truck insurance companies: Stonegate Insurance Company, Delphi Insurance Company, Unique Insurance Company. There are many other non-local carriers that offer tow truck insurance in Illinois. Dealing with a professional independent insurance agent may save tow truck business lots of time and money.urn:uuid:4fc43250-42f3-4367-acf5-827bdca8fa11Things that happen if you do not list your driver children on your auto policy &gt; by Ed Sneneh, Illinois Auto Insurance Agent, Chicago Illinois All insurance policies are drafted based on a major principle in the insurance industry, the Principle ...Thu, 08 Dec 2011 00:47:24 -0600<h1>Things that happen if you do not list your driver children on your auto policy</h1> &gt; <em>by Ed Sneneh, Illinois Auto Insurance Agent, Chicago Illinois</em><br /> <br /> All insurance policies are drafted based on a major principle in the insurance industry, the <em><strong>Principle of Utmost Good Faith</strong></em>. <strong>Utmost Good Faith</strong> indicates that each and every contracting party (the insured persons and the insurance companies) to the insurance policy is ethically and legally committed&nbsp; to disclose to the other party all information and facts, which would affect the other party's decision to enter into the contract, regardless if this information is demanded or not.<br /> <br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002060; font-family: georgia; color: #ffff00;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is Chicago, Illinois based a leader in the <span style="text-decoration: underline;"><em>Illinois Auto Insurance</em></span>. The agency represents several <em>auto insurance companies in Illinois</em> and Indiana, and is offering its services through several locations in the area.<br /> <br /> For fast and free consultation, quick quotes please call one of our agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 237-0404</strong><br /> </div> </td> </tr> </tbody> </table> <br /> <br /> One of the main questions on almost all personal auto insurance applications is related to the fact the applicant of the insurance has listed all drivers in the household or members of the household who are over 16 years old. If the answer is no then the insurance company will not issue the policy without this disclosure. Insurance companies are entitled to know who potentially may&nbsp; use the insurance which extends to the members of the household. Also they are entitled to reject certain classes of drivers (DUI drivers, for example), or charge extra for other classes (younger drivers, drivers with moving violation, etc.)<br /> <br /> Most insurance companies look at <span style="text-decoration: underline;"><em><strong>failure to disclose younger operators</strong></em></span> as an attempt to cheat the insurers. Younger drivers normally pay more for auto insurance. Also, other drivers and insured who have no children think that not disclosing young drivers of other insured is not fair for them. It is not fair for Mr.&nbsp; A who has no young drivers to pay the same amount of premium as Mr. B who has two children age 16 and 17, when they both have similar circumstances.<br /> <br /> Many people think that it is OK not to disclose their young children. Some companies, especially the preferred and standard companies, may just go ahead and pay for small claims caused by young undisclosed drivers. They key word here is 'small claims.' While the companies may be entitled to reject the claim, many of them decide to pay these small claims because it may not be worth it for them to fight the claims in the court of law, or because paying such small claims will work as a publicity for these companies. However, there are enough evidences that when the claim is big, all companies will dispute auto insurance claims incurred by young undisclosed drivers.<br /> <br /> <h2>Risk of Auto Insurance Policy Rescission</h2> <br /> Insurance applicants who do not disclose occasional operators and members of their households are taking big risk for declining their auto insurance claims incurred by the young drivers. All members of the household over 16, and all operators who are normal and frequent occasional operators of the insured vehicles (even if they do not live at the same household). Failure to disclose facts that could potentially change the way/ price the insurance company issues an auto insurance policy may lead to the '<span style="text-decoration: underline;"><em><strong>rescission of the auto insurance policy</strong></em></span>.' Rescinding an auto insurance policy means that the company is canceling the policy from the initial date of the policy and that no insurance has ever taken place.<br /> <br /> Applicants of auto insurance who have some of their household insured with another insurers are still required to disclose them on the policy. However, if those people were not disclosed on the primary insurance policy and they got involved in auto accidents involving a primary auto, then the primary auto insurer may end up rejecting their claim. In this case, a claim may be filed under the driver's own insurance policy with the other insurer, if that policy is still valid and inforce.urn:uuid:8fa84a5a-bad5-46ca-8c83-95342198f3f6Gina Rocha, Illinois Insurance Agent Consiga un agente de seguro&nbsp; fiable. Algunas compa&ntilde;&iacute;as venden a trav&eacute;s del mercadeo directo o trav&eacute;s de agentes locales . Si desea comprar el seguro de un agente, busque en las int...Wed, 07 Dec 2011 11:39:26 -0600<p>Gina Rocha, Illinois Insurance Agent</p> <p><strong><span style="text-decoration: underline;">Consiga un agente de seguro&nbsp; fiable.</span></strong> Algunas compa&ntilde;&iacute;as venden a trav&eacute;s del mercadeo directo o trav&eacute;s de agentes locales . Si desea comprar el seguro de un agente, busque en las internet, las p&aacute;ginas amarillas, o hable con amigos, o otras personas que respete o conozca para que le recomienden un agente de suguros. Busque un agente de seguro que tenga la licencia que sea fiable y que le pueda ayudar a responder cualquiera de sus preguntas. </p> <p><span style="text-decoration: underline;"><strong>Consiga una compa&ntilde;&iacute;a de seguro fiable</strong>.</span> Busque en las internet, las p&aacute;ginas amarillas, o hable con amigos, o otras personas para que le recomienden un compania de seguros para conseguir si la compa&ntilde;&iacute;a tiene la licencia para ofrecer sus servicios en Illinois. A las compa&ntilde;&iacute;as que no tienen licencia no se les requiere cumplir con las leyes del seguro del estado o de participar en el Fondo de Garant&iacute;a del Seguro, el cual protege a los due&ntilde;os de seguro si la compa&ntilde;&iacute;a cae en bancarrota. Revise el promedio de quejas de la compa&ntilde;&iacute;a.</p> <p><strong><span style="text-decoration: underline;">Compre con mucho cuidado</span>.</strong> El seguro es costoso. Deber&iacute;a pedir estimados de varias compa&ntilde;&iacute;as para obtener el mejor poliza con el mejor precio. La clave de comprar comparando es determinar la cobertura que usted necesita, qu&eacute; cantidad necesita y cu&aacute;l ser&aacute; el costo. Obtenga m&aacute;s de un estimado. No se apresure a comprar una p&oacute;liza porque est&aacute; presionado. </p> <p>No se deje enga&ntilde;ar por la publicidad o compre una p&oacute;liza simplemente porque una persona famosa la recomienda en un comercial de televisi&oacute;n, radio, en el peri&oacute;dico y otro tipo de publicidad.</p> <p><strong><span style="text-decoration: underline;">Comprenda lo que est&aacute; comprando</span></strong>. Pida una explicaci&oacute;n detallada. No acepte c&aacute;lculos o ejemplos que no comprende. Recuerde, si suena muy bueno para ser verdad, normalmente es. <strong>Mejor seguro de auto en Chicago Illinois, seguro barato y fiable.</strong></p> <p><strong><span style="text-decoration: underline;"><em>Conteste todas las preguntas correctamente</em></span></strong>. Es necesito que provea las respuestas correctas y completas cuando solicite el seguro. Si dice algo falso, la compa&ntilde;&iacute;a de seguros puede anular el poliza, sin tener que pagar por da&ntilde;os y perjuicios.</p>urn:uuid:9eaf4b13-6a01-4d85-b97a-7948daeaee95<img src='images/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />Auto insurance with certain policy coverage is mandated to deal with the huge cost of capital linked to automobile crashes. In Illinois, car insurance for drivers is needed by the law of the state, also known as the Illinois Insurance Code. With the ...Wed, 07 Dec 2011 02:59:42 -0600Auto insurance with certain policy coverage is mandated to deal with the huge cost of capital linked to automobile crashes. In Illinois, car insurance for drivers is needed by the law of the state, also known as the Illinois Insurance Code. With the best Illinois car insurance, a driver or auto owner may get ideal coverage&nbsp; against liability for bodily harm or other property damages that the driver's negligent acts have caused others.<br /> <br /> The key&nbsp; idea in choosing the suitable <strong>Illinois auto insurance</strong> is the insurance rate. An increased insurance price will increase&nbsp; costs and may hinder people from paying for new automobile. The <em><span style="text-decoration: underline;"><strong>best Illinois car insurance</strong></span></em> provides good coverage at an affordable price. It also provides comprehensive service over inopportune car crashes, loss from fire, theft and pure catastrophe. Besides, the <span style="text-decoration: underline;"><em><strong>best car insurance in Illinois</strong></em></span> has the credit for handling all sorts of auto insurance claims fairly and quickly, and shows good financial stability. The <span style="text-decoration: underline;"><em><strong>best Illinois car insurance</strong></em></span> is capable of covering almost all insurance aspect, consisting of the liability and uninsured motorist coverage for $20,000/$40,000/$15,000 and comprehensive &amp; Collision coverage for low premiums.<br /> <img longdesc="best auto insurance rates Chicago Illinois" alt="best auto insurance rates" src="images/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="float: right; width: 294px; height: 165px;" /><br /> Since auto insurance is required by Illinois legal system, the demand for car insurance is significant. There are a lot of <em><span style="text-decoration: underline;"><strong>Illinois auto insurance agencies</strong></span></em> with a range of insurance programs. Because of this, drivers should be thorough at the time of selecting their auto insurance. A thorough search of various auto insurance agencies is necessary to select the best auto insurance. Besides, you may get information from the online quotes of various insurers and from auto insurance brokers. Individuals can assess rates and services with different insurance providers and make a choice on the company that provides the best auto insurance.<br /> <br /> One of the major auto insurance vendors in Illinois, Progressive Auto Insurance, Travelers Auto Insurance, Saefco car insurance, all provide the <span style="text-decoration: underline;"><em><strong>best car insurance</strong></em></span> for commercial and non-commercial autos. Having a client&egrave;le base of millions, these companies are at the topmost in delivering insurance plans into newer areas. <em><span style="text-decoration: underline;"><strong>Illinois auto insurance</strong></span></em> is also offered online through many independent auto insurance brokers. These brokers can offer opportunity to compare auto insurance rates from multiple carriers.<br /> <br /> To summarize, the best auto insurance in Illinois is the one that is offered by a good rated company at an affordable price, at the proper protection level. <br /> <br /> &nbsp;&nbsp;&nbsp;urn:uuid:ecf52acd-1045-4aba-9f1d-a986f2028e78by Ed Sneneh, Illinois Workers Compensation Insurance Agent in Chicago Workers compensation insurance in Illinois is the law! State of Illinois Laws state that any employer who knowingly and purposely fails to get workers compensation coverage may b...Sat, 03 Dec 2011 23:00:06 -0600<strong>by Ed Sneneh, Illinois Workers Compensation Insurance Agent in Chicago</strong><br /> <br /> Workers compensation insurance in Illinois is the law! State of Illinois Laws state that any employer who knowingly and purposely fails to get workers compensation coverage may be subject to a daily fine of $500 for every day the business failed to have workers compensation coverage. Minimum fine for failure of providing workers compensation is set at $10,000. Officers of corporations that fail to obtain workers compensations for employee can be held responsible and liable personally if their corporations fail to pay these penalties. These officers can also be convicted of Class A misdemeanor, in addition to being personally responsible for paying the fine.<br /> <br /> Sole proprietors, owners of business partnerships, corporate officers as well as members of a limited liability company are all exempt from the law. However, the Illinois Employee Classification Act which went in effect on January 1, 2008, mandated that almost all construction ventures, trucking business operating at a construction sites, or other extrahazardous occupations must maintain workers compensation coverage, regardless.<br /> <br /> So, how do you deal with the <em>elevating cost of workers compensation insurance</em>? The following are few tips how to deal with that.<br /> <br /> <strong>1. <span style="text-decoration: underline;">Proper Classification of Employees</span></strong>. Many businesses that are high risk in nature like trucking or roofing businesses may find it beneficial to break down the total payroll into different classes based on the nature of work performed. For example, if a trucking business has clerical staff, drivers and helpers, outside sales, it might be helpful to advise your agent of these classes of employees. Classifying the entire payroll as 'drivers and helpers' may be incur high cost. Even for 'truck drivers and helpers class', drivers who drive long haul have lower workers compensation insurance rates than local truck drivers.<br /> <table align="right" style="border: 3px groove #00b0f0; width: 326px; height: 27px; background-color: #002060; font-family: georgia; color: #ffff00;"> <tbody> <tr> <td><span style="font-size: 24px;"><strong>&nbsp;<span style="text-decoration: underline;">InsuranceNav</span>y</strong></span> is a leader in the Illinois Workers Compensation Insurance. The agency represents several workers compensation carriers in the States of Illinois and Indiana, and is offering its services through several locations in the area.<br /> <br /> For fast and free consultation, quick quotes please call one of our agents at:<br /> <br /> <div style="text-align: center;"><strong>(708) 233-4848</strong><br /> </div> </td> </tr> </tbody> </table> <br /> <br /> <strong>2. </strong><span style="text-decoration: underline;"><strong>Selecting the Proper Workers Compensation Limits and Coverage</strong></span>. Workers compensation insurance comes at different limits and in some instances optional coverages. Depending on the need and budget of your business you may set the limits you need at the budget you can afford. The minimum coverage is $100,000/$500,000/$100,000; which means, respectively, bodily injury per work related accident, bodily injury for work related disease (Policy Limit), and bodily injury per work related disease (Each Employee). These limits can be higher, for example $500,000/$500,000/$500,000 or $1,000,000/$1,000,000/$1,000,000. Choosing a deductible may also reduce the cost of workers compensation insurance. It is always recommended that the business maintains higher limits with no deductible since the difference in price may not be big enough, especially for low risk ventures.<br /> <br /> <strong>3. <span style="text-decoration: underline;">Finding Affordable Workers Compensation Insurance Rates by Shopping</span></strong>. Many standard insurance companies aggressively seek low risk businesses for workers compensation insurance. Finding lower insurance rates is always possible if the business is classified as low risk, such as offices and most retails. With high risk occupations such as trucking or construction shopping is limited as most companies do not offer coverages for these high risk classes. High risk businesses end up acquiring workers compensation insurance from the pool, the National Council on Compensation Insurance, which offers workers compensation insurance at a predetermined rate.<br /> <br /> <strong>4. <span style="text-decoration: underline;">Obtaining Certificate of Workers Compensation Insurance from Independent Contractors</span></strong>. In many businesses where it is required to cover independent contractors (who get 1099), but who could not document existing workers compensation coverage, it is important that these business make it mandatory for all 'independent contractors' to provide certificates of insurance documenting workers compensation coverage. If this certification is not provided at the end of workers compensation policy year when the businesses total payroll is audited by the insurer,&nbsp; the business may find itself in a position where it has to pay for workers compensations on all payments made to 'independent contractors' who could not document workers compensation coverage.<br /> <br /> <strong>5. <span style="text-decoration: underline;">Excluding Owners &amp; Officers For Workers Compensation Coverage</span></strong>. All businesses have the option to include or exclude the owners and officers of the corporation. These owners/ officers may have alternative coverage, or may simply be covered somewhere else under different plan.urn:uuid:57e8eee7-161c-40ea-8386-c130303c6059<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Aya Musa, Illinois Auto Insurance Expert in Chicago Many people mistakenly think that they are impeccably good drivers and that causing an accident is not going to happen to them. The major flaw of this assumption is that accidents are not someth...Sat, 03 Dec 2011 00:15:03 -0600<strong>by Aya Musa, Illinois Auto Insurance Expert in Chicago</strong><br /> <br /> Many people mistakenly think that they are impeccably good drivers and that causing an accident is not going to happen to them. The major flaw of this assumption is that accidents are not something that are we plan for, and they are not just contingent on our own actions. No one, with a sound mind, plans on getting in a car accident. Automobile crashes are random happening and they happen because of lack of control on the situation. This lack of control could be the result of our own actions, negligent or deliberate actions of others, and uncontrollable&nbsp; environment elements such as weather, traffic conditions, road conditions, mechanical conditions of the vehicles, etc.<br /> <br /> <span style="text-decoration: underline;"><strong>Getting in An Auto Accident Without Car Insurance When You Are At Fault</strong></span><br /> <br /> If you do not have auto insurance and you get in a car accident the very first step you need to take is to get insurance.&nbsp; There has been many instances of people getting in two accidents on the same day, and as much as it sounds strange, two accidents on the same day involving the same two parties at two different locations! Going to court without insurance does not bring any leniency from the judge.<br /> <br /> Settling the claim should be your primary task. Avoiding settlements with the other party may eventually lead to the suspension of your driving privileges.&nbsp; Dodging other claimants may increase the amount of claim against you especially if the other party ends up hiring a lawyer. If the claim is small, try to offer a fair compensation plan after you immediately advise the other party that you are uninsured. This will help in the other party not exaggerating the claim, and in assuring them that you will make the payment. Regardless of how you will pay for the damages you caused, a settlement agreement signed by both you and the other party is very important. The agreement must also be notarized to become legal. <br /> <br /> If you caused big damages with larger claims,&nbsp; legal advice may become very important. Your lawyer may discuss settlement options with payment schedules. Payments may be small to fit your budget based on your income.<br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" alt="Chicago auto insurance" style="float: right;" longdesc="Car insurance quotes online in Chicago Illinois" /><br /> Reaching a settlement option is very important. Other than that, drivers who get in car accidents without insurance are taking great risk to suspend their driving privileges.<br /> <br /> <span style="text-decoration: underline;"><strong>Getting in An Auto Accident Without Car Insurance When You Are Not At Fault</strong></span><br /> <br /> Here also, getting covered immediately is a top priority. The fact that you did not have auto insurance at the time of accident may not disqualify you from collecting payments for damages that the other drivers negligent actions caused you. Yes, you broke the law by operating an uninsured vehicle for which you will be required to file a certificate of financial responsibility or SR22 or else your license will be suspended, but you may stll be entitled to collect compensations for your bodily injury and property damages.<br /> <br /> If the amount of claim is small you may need to offer the at fault driver to pay for your damages without the complications of lawsuits. If the other uninsured driver refuses to cooperate filing the accident report to the State of Illinois.&nbsp; You can also file a small claim lawsuit. You can file a small claim lawsuit by visiting the courthouse and getting and completing the proper&nbsp;summons and complaint forms. Guidelines concerning required forms and ways of completing them are offered at the clerk of the courthouse. If the damages is over $500 or resulted in bodily insury claims. Illinois laws mandate all at-fault uninsured operators to pay for damages they cause to other motorists. If they do not pay the face the penalties of license plate and driver's license suspensions.<br /> <br /> All reports must be sent to: <br /> <br /> <strong>Illinois Department of Transportation</strong><br /> Accident Reports Section<br /> 3215 Executive Park Dr.<br /> Springfield, IL 62766<br /> <br /> 217-782-4516<br /> <br /> Larger claims with uninsured motorists may require legal advice. It is always better that you consult with a lawyer when it comes to claims involving bodily injuries and big property damages.urn:uuid:38c2c41f-07ab-43ac-8236-d7b8a37675d7by Aya Musa, Illinois DMEPOS Bonds Specialist in Chicago In January 2009 the federal government through its Centers for Medicare &amp; Medicaid Services (CMS) imposed a new bond aimed at curbing medical equipment and supplies fraud. Manufacturers an...Fri, 02 Dec 2011 00:32:01 -0600<strong>by Aya Musa, Illinois DMEPOS Bonds Specialist in Chicago</strong><br /> <br /> In January 2009 the federal government through its <strong>Centers for Medicare &amp; Medicaid Services</strong> (CMS) imposed a new bond aimed at curbing medical equipment and supplies fraud. Manufacturers and suppliers of durable medical equipment, prosthetics, orthotics and supplies, aka DMEPOS, are required by the federal government&nbsp; to provide a $50,000 DMEPOS bond. The bond is also known as the Medicare Bond.<br /> <br /> <span style="text-decoration: underline;"><strong>Parties That Need DMEPOS Bonds</strong></span>:<br /> <br /> Bonds are required from all professionals and businesses dealing with the federal government, medical and non medical practitioners. This includes physicians, nurses, midwives, counselors and social workers, dietitians or nutritionists, and medical assistants. A bond in that amount is required for each location that has separate National Provider Identifier number. Also, higher bonding limits may be required from businesses/ professionals who legal actions were taken against them in the past ten years. These legal actions include felony convictions, losing Medicare billing privileges, suspension or revocation of accreditation or licensing, and the exclusion of the business from any federal or state healthcare program. <br /> <br /> <table width="235" height="166" align="right"> <tbody> <tr> <td style="text-align: left; vertical-align: top; background-color: #92d050;"><span style="font-size: 13px; color: #ff0000;">Need a Bond or Medical/ Non Medical Professional Liability Quotes?<br /> <br /> Insurance Navy is a leader in the bonding and insurance professional insurance for medical and non medical professionals. Call us now for a free, fast quote:<br /> <br /> 708-233-4848</span><br /> </td> </tr> </tbody> </table> <br /> <strong>DMEPOS Bonding Exemptions</strong><br /> <br /> Certain professionals may be exempt from the bond requirements. These may include the following:<br /> <br /> 1. Professionals in a private practice in a business that is solely-owned and operated by them if the items are furnished to their own patients as part of their own services. <br /> 2. The business/ professionals are only billing for the orthotics, prosthetics and supplies, with no other bills.<br /> <br /> <strong>DMEPOS Bond Rates</strong><br /> <br /> The price for the bond starts at about $250 for individuals with acceptable&nbsp; credit score. It can be thousands for individuals with poor credit history.urn:uuid:2bb7ce18-502e-4b1b-9b0d-9e99b50eecf6by Edward Sneneh, Illinois Car Dealers Insurance Agent in Chicago Average people are restricted in most states from dealing with private car sales, typically less than 5 vehicles per year. For that reason obtaining dealer license is very important f...Thu, 01 Dec 2011 02:03:56 -0600<strong>by Edward Sneneh, Illinois Car Dealers Insurance Agent in Chicago</strong><br /> <br /> Average people are restricted in most states from dealing with private car sales, typically less than 5 vehicles per year. For that reason obtaining dealer license is very important for people who want to take the trade of vehicles as their business. <br /> <br /> All states with the exception of Indiana will allow individuals and corporations to be residents of the particular state before that state grant a wholesale dealer's license. Illinois requires that the dealer must have a physical location before dealers license is issued. The State of Indiana requires the wholesale dealer to meet specific physical address requirements, zoning codes, and insurance requirements in order for a license to be allowed. A Wholesale dealer&rsquo;s license offered by the State of Indiana that is suitable for any dealer auction anywhere in the USA.<br /> <br /> <strong>Requirements for Indiana Wholesale Auto Dealers Insurance</strong><br /> <br /> The two most important insurance requirements for licensing of State of Indiana wholesale car dealers are:<br /> <br /> <span style="text-decoration: underline;"><strong>Liability insurance or garage liability insurance or SR23 </strong></span><br /> <br /> Individuals or businesses seeking to be licensed under in the State of Indiana shall provide proof that the person currently has liability insurance or garage liability insurance covering the business. The policy must maintain the following minimum limits per accident:&nbsp; Bodily injury per person of $100,000; bodily injury for each accident of $300,000 and $50,000for property damage each accident. The State&nbsp; of Indiana requires a minimum uninsured motorist coverage is $25,000 of bodily injury per person, $50,000 bodily injury for each accident. <br /> The major factors affecting the price of insurance for used wholesale auto dealers include: (1) Liability limits, (2) Number of drivers, (3) Number of plates, (4) Garaging address of the dealer.<br /> <div style="text-align: justify;"><span style="color: #ff0000; text-decoration: underline;"><strong> <table align="right" style="width: 255px; height: 144px; background-color: #ffc000;"> <tbody> <tr> <td style="border-color: #ff0000;">Insurance Navy is a leader in auto and used car dealers insurance business with several locations serving Illinois and Northwest Indiana. For immediate quote please call one of our agents at (708) 233-4848</td> </tr> </tbody> </table> </strong></span></div> <span style="text-decoration: underline;"><strong><br /> Indiana Auto Dealership Bonds</strong></span><br /> <br /> In 2009, the State of Indiana mandated that motor vehicle dealers will have to provide evidence that they possess a $25,000 Indiana used car dealer bond. The dates of the bond must cover the entire licensing period of the dealer. The major determinant of the price of the bond is the credit score of the applicant.<br /> <strong><br /> Shopping for Insurance and Bonds for Indiana Used Car Dealers</strong><br /> <br /> Several auto dealers located outside Indiana may not have access to competitive insurance plans. Most are offered plans through their dealer licensing service providers, who are not necessarily competitive or even active insurance professionals. For that reason, dealing with a well versed independent insurance agent is the key to get the proper professional service and the right price.<br /> <br />urn:uuid:99c0e2dc-acc4-4276-93b3-546b713a7cd2by Edward Sneineh, Illinois Homeowners Insurance Agent in Chicago Before discussing the pros and cons of cheap homeowners insurance it is important to understand the fundamental coverages entailing homeowners insurance coverage.&nbsp; Understanding ...Wed, 30 Nov 2011 01:47:00 -0600by Edward Sneineh, Illinois Homeowners Insurance Agent in Chicago<br /> <br /> Before discussing the pros and cons of cheap homeowners insurance it is important to understand the fundamental coverages entailing homeowners insurance coverage.&nbsp; Understanding these coverages and the mechanism of homeowners insurance underwriting process will assist in understanding why some coverages are cheaper than others.<br /> <br /> Homeowners insurance policies are insurance policies issued to cover personal residence of the insured persons. Homeowners insurance policies do not cover any residence that is not occupied by the insured person more than 90 days, or property held for investment. <br /> <br /> Primary Homeowners Insurance Coverage. The following are basic coverages on all homeowners insurance policies:<br /> 1. Dwelling Coverage. This is to cover the structure of the residence such as walls, roofs, attached garages, etc.<br /> 2. Other Structures. This coverage aims at insuring detached structures such as sheds, porches, fences, detached car garages, car ports, etc.<br /> 3. Personal Property. The coverage applies to certain personal properties owned by the insured such as cameras, watches, TVs, refrigerators, clothes, etc. Certain limits apply to the certain items such as watches, firearms, coins, and other items. <br /> 4. Personal Liability. This covers against certain lawsuits brought against the insured because of the negligent acts of the insured or the insured households.<br /> 5. Increased Living Expense. When a covered loss occurs and makes residence unfit for human living, this coverage will pay for the increased in living expenses, up to a limit.<br /> 6. Medical Payment. This coverage is also known as Guest Insurance. The coverage pays up to a limit for any bodily injury that guest suffer because of causes not attributed to the negligent acts of the insured.<br /> <br /> Other riders may be added to enhance homeowner policies. Important riders may include:<br /> <br /> Replacement Cost Rider. This rider may apply to dwelling coverage and/ or personal property coverage. When included, the insurance company will pay for claims based on the cost of replacing lost property, rather than the actual cash value of lost property (actual cash value is replacement cost minus the depreciation attributed to the use of the lost property). <br /> Back up of sewer or sump pump rider. This is a valuable rider for residences with finished basements. Without this rider, typical homeowners policies will not cover any water damage resulting from sewer backup because of any reasons including failure of sump pump.<br /> Scheduled Personal Property. This will cover certain items are not usually covered under standard homeowners policy, or items that are covered but at limits that need to be increased to meet homeowners needs.<br /> <br /> Homeowners Insurance Underwriting Guidelines <br /> <br /> Standard homeowners insurers will run credit check on applicants for homeowners before a firm price is offered. Applicants with better credits get better / lower premium. Also, a CLUE report to examine prior property losses for the residence and prior property losses/ claims made by applicants will determine the price. Certain companies will consider the square footage of the house in determining the minimum coverage that must be purchased. Also, some companies may restrict coverage to certain properties with maximum age.<br /> <br /> Homeowners insurance applicants with bad credits, or those with excessive prior claims, or properties located in depressed areas, or properties with age more than specific number may end up being disqualified from certain homeowners plan. In cases like those, cheaper homeowners insurance with companies that may accept applicants meeting the above conditions may be the solution. Applicants are encouraged to check the coverages included with cheap homeowners insurance policies and verify that these coverages are meeting their needs.<br /> <br />urn:uuid:20540226-9053-44ab-b246-7e9c2d8c1d1d&nbsp;by Ed Sneneh, Chicago Auto Insurance Agent Many people face the dilemma of whether to choose a non standard auto policy or standard auto policy. First it should be empathized that there is no good insurance or bad insurance. The critical quest...Sun, 27 Nov 2011 15:06:23 -0600<p>&nbsp;by Ed Sneneh, Chicago Auto Insurance Agent<br /> <br /> Many people face the dilemma of whether to choose a non standard auto policy or standard auto policy. First it should be empathized that there is no good insurance or bad insurance. The critical question is suitability. The best car insurance policy is the one that you need and you can afford.<br /> <br /> The following is a chart that distinguish auto insurance coverage.&nbsp;</p> <p> <table width="643" style="width: 6.7in; border-collapse: collapse;border: medium none;" border="1" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top" style="padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; padding-top: 0in;border: windowtext 1pt solid;"> <div></div> </p> <p><b></b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Standard Auto Insurance</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: windowtext 1pt solid; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>No Standard Auto Insurance</b></p> <p>&nbsp;</p> <p></td> </tr> <tr> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Other Names/ Title</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Standard Auto Coverage</p> <p>Preferred Auto Insurance</p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Low Cost Auto Insurance</p> <p>Cheap Auto Insurance</p> <p>&nbsp;</p> <p></td> </tr> <tr> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Requirements</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Acceptable credit (credit check is required), Stringent requirements for clear driving record,</p> <p>&nbsp;</p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Generally speaking, credit check is not required, insurers are more lenient regarding driving records</p> <p>&nbsp;</p> <p></td> </tr> <tr> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Liability Limits Offered</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>High liability limits offered, although some carriers have the habit of offering basic liability coverage. Insured persons need to verify that as differences between high and low limits may not be big.</p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Low limits is the normal offering. Most non standard carriers do not offer high limit liability, and may offer only the basic liability limits.</p> <p>&nbsp;</p> <p></td> </tr> <tr> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Suitability</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Best for people who:</p> <p> <ol style="list-style-type: decimal; margin-top: 0in;"> <li>Need high coverage to protect their wealth</li> <li>Have good credit</li> <li>Have clear MVR</li> <li>Expensive vehicles</li> <li>Have the resources and motive to pay higher premiums</li> </ol> </p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Non standard auto insurance is most suitable for:</p> <p> <ol style="list-style-type: decimal; margin-top: 0in;"> <li>People with negative history</li> <li>People with excessive driving violation or serious violations like DUIs.</li> <li>People with limited resources that cannot afford the standard auto coverage premium.</li> </ol> </p> <p></td> </tr> <tr> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Customer Services</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Customer services offered by standard carriers are rated much better than services offered by non standard carriers.</p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>More customers complains are evident among non standard carriers than standard carriers.</p> <p>&nbsp;</p> <p></td> </tr> <tr> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: windowtext 1pt solid; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 113.4pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p><b>Channel Of Distribution</b></p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 181.8pt; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Auto insurance is sold through captive agents, directly online or by internet or phone, or through independent agency system</p> <p>&nbsp;</p> <p></td> <td valign="top" style="border-bottom: windowtext 1pt solid; border-left: #f0f0f0; padding-bottom: 0in; background-color: transparent; padding-left: 5.4pt; width: 2.6in; padding-right: 5.4pt; border-top: #f0f0f0; border-right: windowtext 1pt solid; padding-top: 0in;"> <div></div> </p> <p>Auto insurance is offered primarily through the independent agency system. Non standard carriers started to offer insurance through the internet.</p> <p>&nbsp;</p> <p></td> </tr> </tbody> </table> </p> <p>&nbsp;Apparently consumers are recommended to get the standard auto insurance, unless they either cannot obtain standard coverage, or standard coverage is cost prohibitive.<br /> <br /> Unacceptable risks for standard coverage may include people who declared bankruptcy in the past few years, unlicensed operators, operators with international or foreign country licenses, operators with serious violations like DUIs, operators of excessive driving violations, and, for many standard insurers, operators who may require some special insurance such as SR22 filing.<br /> <br /> Prohibitive auto insurance cost may result when standard carriers agree to insurance someone with less than good credit, or someone who have issues with their MVRs, or someone with prior insurance claims. Normally these people will be able to get coverage from standard carriers, but at a high price. For people with limited financial resources, the price for that coverage may not be affordable. In cases like that non standard auto insurance is the proper choice.</p>urn:uuid:6ed09436-a2f6-4b6d-8ab2-2dbc45abfb38&nbsp; by Ed Sneneh Trucking insurance and&nbsp; tow truck insurance have a number of similarities and dissimilarities. Commonalities come from the fact that both types of businesses do operate commercial vehicles that haul merchandise or other item...Sun, 27 Nov 2011 13:06:22 -0600<p>&nbsp;</p> <p>by Ed Sneneh<br /> <br /> Trucking insurance and&nbsp; tow truck insurance have a number of similarities and dissimilarities. Commonalities come from the fact that both types of businesses do operate commercial vehicles that haul merchandise or other items on public road, and for that reason they need insurance protection in case their activities cause bodily injuries or property damage to other people. At the same time, tow trucks is not similar to other interstate common carriers, for example,&nbsp;when it comes to legal and business requirements.<br /> <br /> <strong><span style="text-decoration: underline;">Commercial Auto Liability Insurance.</span></strong> This coverage is needed from all commercial vehicles that run on public highways. Protection is basically the same although different protection limits of liability may be mandated by law. Limits of liability insurance for trucking and towing businesses that require federal filing may start at $750,000 and up. In Illinois, tow trucks for hire are required to maintain a $750,000 liability limits on their commercial auto insurance. In Illinois, the minimum liability insurance limits that apply for both commercial and personal auto insurance is $20,000 bodily injury for each person, $40,000 bodily injury each accident, and $15,000 property damage each accident. <br /> <br /> Private trucking that are not required to file with local and federal authorities maybe exempt from high liability limits. For example, truck you own for delivery of merchandise to your furniture store customers may not require any high limits.</p> <p>&nbsp;</p> <p><strong><span style="text-decoration: underline;">Motor Truck Cargo Insurance.</span></strong> A commercial vehicle that is used to move items of other people from one point to another may need property insurance to cover those items. Items hauled by interstate trucking businesses may include food, frozen food, animals, household items, plastic products, office supplies, plastic items, and other non hazardous and hazardous materials. Insurance covering properties while it is in transit is called &lsquo;Inland Marine.&rsquo; In the trucking business the coverage is called Motor Cargo Liability Insurance. In the towing business physical damage coverage on customers vehicles is called &lsquo;Garagekeepers Liability Insurance.&rsquo; When vehicles are in tow, the coverage is called &lsquo;On Hook Coverage,&rsquo; as opposed to &lsquo;Off Hook Coverage&rsquo; which provides protection for towing businesses when and if their customer&rsquo;s vehicles are in storage, in the care and custody of the towing business.</p> <p>&nbsp;</p> <p><strong><span style="text-decoration: underline;">Truck Physical Damage Insurance</span></strong>. This coverage is offered to both types of businesses. This coverage is not mandatory by law, but will be required if the insured trucks have lienholders or are leased or financed somehow, or if the owner of the truck is seeking physical damage protection for their own trucks.</p> <p>&nbsp;</p> <p><strong><span style="text-decoration: underline;">Garage Liability Insurance</span></strong>. This coverage applies to all business whose operations involve the use of automobiles, such as car dealers, mechanic and body shops, as well as tow trucks. Garage Liability Insurance offers protection against incidents related to the negligent activities of the auto-related business.</p>urn:uuid:1031f0f4-3ec8-472d-9b52-77d45defb594by Aya Musa, Illinois Machine Shops Insurance Specialist in Chicago Machine shops include several classes of businesses that deal with the manufacturing of metal products. These manufacturing workshops can be classified in to two broad classificatio...Wed, 23 Nov 2011 01:38:42 -0600<strong>by Aya Musa, Illinois Machine Shops Insurance Specialist in Chicago</strong><br /> <br /> Machine shops include several classes of businesses that deal with the manufacturing of metal products. These manufacturing workshops can be classified in to two broad classifications. Low risk machine shops and medium and high risk machine shops. Risk, in this analysis, represents the degree to which a business may incur property loss, liability loss, or both. The classification here is arbitrary, meaning what is low risk to a particular company may be a medium risk to another. However, the classification seems to be general and more acceptable to many insurance companies.<br /> <span style="text-decoration: underline;"><strong><br /> Lower Risk Machine Shops Insurance.These shops include fabricated metal products such as: </strong></span> <ul> <li>metal shipping barrels drums, and kegs </li> <li>Cutlery</li> <li>Hand and edge tools</li> <li>Hardware</li> <li>Enameled items and metal sanitary ware</li> <li>Plumbing fixtures, fitting and trim</li> <li>Sheet metal work</li> <li>Architectural and ornamental metal work</li> <li>Prefabricated metal buildings and components</li> <li>Miscellaneous metal work</li> <li>Screw machine products</li> <li>Bolts, nuts, screws, rivets, and washers</li> <li>Iron and steel, as well as other nonferrous forging</li> <li>Metal stamping</li> <li>Steel springs except wires</li> <li>Valves and pipe fittings</li> <li>Miscellaneous fabricated wire products</li> <li>Fabricated pipes, pipe fitting, and metal products</li> </ul> <br /> <span style="text-decoration: underline;"><strong>Certain industrial and commercial machinery are also included in this low risk classification. They include</strong></span>:<br /> <ul> <li>Machine tools, metal cattery and forming types</li> <li>Industrial patterns</li> <li>Special dies and tools, dies sets, jigs, and molds</li> <li>Machine tools accessories and measuring devices</li> <li>Pumps and plumbing equipment</li> <li>Packaging&nbsp; Machinery </li> <li>Scales and balances except those made for labs</li> <li>Office machines</li> </ul> <br /> Medium to high risk workshops that may not fit for business owner policies, but may qualify for commercial insurance packages include:<br /> <ul> <li>Foundries</li> <li>Frames construction workshop</li> <li>Unprotected properties</li> <li>Rubber</li> <li>Electroplating</li> <li>Any product involving asbestos </li> <li>Metal extrusion</li> <li>Forging</li> <li>Casting (Foundries melting metal)</li> <li>Rolling &amp; wire mills</li> <li>Sintering operations</li> <li>Scrap metal processing</li> <li>Chemical reduction (Smelting or refining operations)</li> </ul> <br /> Also, manufacturing certain products may make any workshop high risk. These products include any products involving nuclear, chemical or aerospace industry; critical automotive parts, building products, firearms and ammunition, food processing, heavy industrial machine. machine guards, medical products, pollution control, pressure vessels, sport equipment, tanks and toys.<br /> <br /> <span style="text-decoration: underline;"><strong>Insurance Coverage For Machine Shops</strong></span><br /> <br /> These businesses need the following Insurance coverages:<br /> <br /> Property coverage for their buildings, tools, and equipment. Properties have to meet certain safety and health standards such as ventilations, fire suppression, UL spray booths, and other safety measures.<br /> <br /> Liability coverage may include certain requirements for quality control on production processes.<br /> <br /> Commercial auto insurance. Issuing a business auto policy for machine shops is based on MVRs of drivers and radius of operations.<br /> <br /> Workers compensation insurance for machine shops maybe limited to the those businesses that maintain acceptable safety measures for employees, proper hiring and training practice, and other OSHA compliant measures.<br /> <br /> <br /> <table style="width: 807px; height: 27px;"> <tbody> <tr> <td style="background-color: #548dd4; border-width: 1px; border-style: solid;"><span style="color: #ffff00;">Get your immediate <span style="text-decoration: underline;"><strong>Insurance Coverage For machine shop</strong></span>s at Insurance Navy. For immediate considertaion call: (708) 233-4848<br /> </span></td> </tr> </tbody> </table>urn:uuid:13df3701-68c1-451c-a836-4d67672cbae3All types of insurance which does not fall under the category of life insurance are general insurance. General insurance comprises of insurance of your property against fire, burglary or any other natural calamities as well as auto insurance which pr...Mon, 21 Nov 2011 21:59:08 -0600<p id="yui_3_2_0_1_1321933465865224" style="margin-bottom: 0in;">All types of insurance which does not fall under the category of life insurance are <strong>general insurance</strong>. General insurance comprises of insurance of your property against fire, burglary or any other natural calamities as well as <a id="yui_3_2_0_1_1321933465865245" rel="nofollow" target="_blank" href="http://www.ampminsure.org/auto-insurance.html">auto insurance</a> which protects your vehicle. You can also include personal insurance in general insurance such as Accident and Health Insurance and liability insurance that covers legal liabilities. Non-life insurance companies offer you products that can cover property against fire and associated perils, floods, storms and inundation, earthquakes and so on. There are many insurance products that manage risks regarding your property. These companies providing non-life insurance can also offer you policies that cover machinery against breakdown such as policies covering the hull of ships and so on. A major chunk of non-life insurance business comes from insurance of motor vehicles against damages from natural calamities, vandalism and theft. </p> <p style="margin-bottom: 0in;">Risk management is a very big part of general insurance. In fact the purpose of buying insurance is risk management. The term risk management can be defined as the ability to alter the total amount of risk that you are facing in different spheres. The categories under general insurance covers auto insurance, homeowner's insurance or property insurance and disability insurance to name some major ones. Read on to know the risk management when it comes to all of these.</p> <ol id="yui_3_2_0_1_1321933465865244"> <li id="yui_3_2_0_1_1321933465865243"> <p id="yui_3_2_0_1_1321933465865242" style="margin-bottom: 0in;"><strong id="yui_3_2_0_1_1321933465865239">Auto insurance &ndash;</strong> The auto or car that you own is no doubt very precious to you. In all probability you had to take an auto loan to buy your car which you are perhaps paying for still now. Thus it becomes imperative to protect something which cost you so much. Auto insurance does just the same. There are different covers available in auto insurance that will protect your auto from theft, vandalism, natural calamities such as floods, storms, and earthquake and against damage by wild animals. Also in case of an accident, it will provide compensation to both you and the other party involved in the accident no matter whose fault it is.</p> </li> <li> <p style="margin-bottom: 0in;"><strong>Property insurance &ndash;</strong> Your property is your most valuable asset. Taking out a mortgage to buy a house may need as long as 15 years to 30 years to pay back the loan. Thus it is very important that you take care that your property does not depreciate in value due to any damage to your property. Any damage to your property should be immediately attended to. However, it is not possible to gather that much amount of funds always. Thus you have property insurance to manage the risk of damage to your property and provide monetary reimbursement.</p> </li> </ol> <p style="margin-bottom: 0in;">The third kind of general insurance is disability insurance which protects you if you are disabled for sometime due to any accident or health reasons and are unable to work. Disability insurance will provide some amount of money during the time you are rendered unable to work. This insurance thus manages the risk related to loss in income due to inability to work for some time. </p>urn:uuid:d7b1c3ef-00a0-48b1-8c6b-649171c83a2c<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' />Used Car Dealer Recovery Trust Fund Board &amp; House Bill 880, (Now Illinois Public Act 97-0480) by Aya Musa, Illinois Car Insurance Expert According to experts handling Illinois used car dealerships there were over 11,000 used car dealers in the S...Sun, 20 Nov 2011 23:22:01 -0600<h1>Used Car Dealer Recovery Trust Fund Board &amp; House Bill 880, (Now Illinois Public Act 97-0480)</h1> <strong>by Aya Musa, Illinois Car Insurance Expert</strong><br /> <br /> According to experts handling <strong>Illinois used car dealerships</strong> there were over 11,000 used car dealers in the State of Illinois by the end of 2009. This number fell to little over 6,000 dealers by the the last quarter of 2011. Experts project 15% to 20% decline in the number of <strong>used car dealers in Illinois</strong> in the next year of 2012. Many of these <strong>Illinois used car dealerships</strong> that have closed and failed to pay off vehicles traded in to the dealership by consumers have resulted in innocent consumers become financially liable for two car loans.<br /> &nbsp;<br /> Also, some of these closed dealerships have sold <strong>vehicles with an undisclosed lien</strong>, a procedure that caused both consumers and car dealerships having possession of an auto they paid for, but being unable to drive the vehicle, title it or even dispose it. According to sources there are at least 60 dealerships that have shut down and left a mess like that behind. <strong>Illinois House Bill 880</strong> which become a <strong>Public Act 97-0480</strong> effective 10/01/2011 aimed at amending the <strong>Illinois Vehicle Code</strong>. The Act provides that each and every used car dealership applying for new or renewal of&nbsp; vehicle dealer's license must pay additional $500.00 as an <strong>Annual Dealer Recovery Fund Fee</strong>. The fee is payable to the <strong>Illinois Dealer Recovery Trust Fund</strong>, an account that is does not belong to the State of Illinois. The account will be managed by persons appointed by the <strong>Dealer Recovery Trust Fund Board</strong>. <br /> <strong>&nbsp;<br /> Remedies for The Problem</strong><br /> <br /> Some of the solutions for the above problem may be found in the insurance coverages provided by insurance companies. Many insurers that offer a <strong>Business Owner Policy</strong> for (BOP) may include a list of coverages that address problems similar to errors made by dealerships, defective titles, and others. Companies offering BOP may not really charge any extra for the following coverages:<br /> <img src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" alt="Illinois used car dealership insurance" style="float: right;" longdesc="Illinois Recovery Trust Fund Board" /><br /> <strong>E &amp; O Coverages For Used Car Dealers</strong>: This coverage will pay for losses resulting from certain errors and omission made by dealers. Errors made by dealers must be related to the operations of the dealership may include: <br /> <ul> <li>Truth in Lending or Leasing Liability </li> <li>Federal Odometer Liability</li> <li>Prior Damage Disclosure Liability </li> <li><strong>Title Errors and Omissions</strong></li> </ul> <br /> A BOP policy is the best insurance form available for businesses where more coverages are offered either at no or little extra charge. Companies offering BOP for car dealerships do normally have stringent underwriting guidlines.<br /> <br /> Also, a dealer bonds may help. Illinois requires used car dealerships new ventures to maintain a $20,000 used car dealership bond. <strong>Used car dealer bonds</strong> are mandatory from new ventures of used car dealerships for up to three years, in order to insure that the dealership is adhering to the laws of the State of Illinois related to running the used car business. The cost of the bond in Illinois is about $200 per year for a dealership with good credit.<br /> &nbsp;<br /> The State of Illinois has decided to use a special trust fund because, it says, a bond requirement has a guaranteed annual expense. Also, a bond has an exposure limit and expires if not used. In other words, the bond is more expensive, according to the State of Illinois. The State of Illinois, for that reason,&nbsp; decided to establish a trust account as the most effective method&nbsp; to deal with the problem associated with used car dealers closings. A trust fund, according to the enacted House Bill 880, has a lower annual expense, besides that fact that all money collected and not used would stay an element of that trust fund.urn:uuid:26e4a796-4b24-4c40-96b4-9d4c88b8d9bd<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' />Auto Service Insurance Programs in Chicago Illinois by Aya Mus, Auto Services Insurance Expert, Chicago Illinois The auto service industry is composed of businesses that offer products and services to repair or maintain vehicles.&nbsp; Examples of b...Sat, 19 Nov 2011 00:15:53 -0600<h1>Auto Service Insurance Programs in Chicago Illinois</h1> <strong>by Aya Mus, Auto Services Insurance Expert, Chicago Illinois</strong><br /> <br /> The auto service industry is composed of businesses that offer products and services to repair or maintain vehicles.&nbsp; Examples of businesses included in this industry are: <em>Auto Repair Shops, Auto Services Stations, Auto Equipment Installation, Auto Glass Installation, Auto Body Shops, Gas Stations, Car Washes, Quick Lube Shops, Tire Dealers, Convenience Stores With Gasoline Sales</em>, and many more.<br /> <br /> <h2>Market for Auto Services Businesses Insurance is Unique</h2> The Chicago area market is unique in the way the&nbsp; industry is diversified and the different risk levels attributed to the classes of businesses in this industry.&nbsp; The size and diversity of the market makes make it attractive to many <em><strong>auto service insurance companies in Chicago Illinois</strong></em> to offer a variety of choices to the potential customers, from basic coverages to very expanded coverages, and at different rates. The State of Illinois imposes certain requirements for businesses that want to obtain licenses for many classes of the auto service industry.<br /> <br /> <em><strong>Insurance coverages for the auto services</strong></em> industry includes <strong>garage liability</strong> (including premises and auto liability), <strong>garagekeepers liability, <em>property coverage</em></strong> such as building or business property, scheduled auto, and other coverages such as crime, signs, business interruption and more.<br /> <img src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" alt="Repair body shop insurance" style="float: right;" longdesc="insurance for Auto Repair Shops, Auto Services Stations, Auto Equipment Installation, Auto Glass Installation, Auto Body Shops, Gas Stations, Car Washes, Quick Lube Shops, Tire Dealers, Convenience Stores With Gasoline Sales" /><br /> <h2>Types &amp; Quality of Insurance Plans for Auto Service Programs</h2> Type and<strong> quality of insurance plans for auto service programs</strong> range from basic monoline insurance, commercial package policy and expanded business owners policy. Preferred, standard and non standard insurance companies may offer a variety of coverage. Most non standard carriers will provide only basic garage liability coverage at low or medium level of liability, in addition to some garagekeepers insurance. Other companies may offer additional property and auto&nbsp; coverages but at a higher price on a commercial packaged policy programs.<br /> <br /> The highest quality insurance for auto service businesses come with business owner policies. A business owner policy, as opposed to commercial policy package, offers more coverage at, in most cases, lower insurance rates. Business owner policies for the insurance for auto service businesses in the Chicago area may come with some restrictions such as:<br /> <ul> <li> Chicago insurance rates for auto service businesses are higher than suburban rates. </li> <li>&nbsp;Many companies offering BOP for auto service businesses may exclude certain high risk auto service businesses such as: Classic Cars, Bus, Heavy Trucks Repair Shops, Repo&nbsp; or Towing For Hire Businesses, Sales and Installation of Farm Equipment or Motorcycle or RVs, or any other business that sponsor racing. Also, other companies may not offer a BOP for tire recapping, certain tire storage, businesses with certain dogs, or businesses with snowplowing operations.</li> <li> Almost all the above classes that do not qualify for a BOP may qualify for a commercial package policy, that may have higher price tag if all coverage in the BOP are included.</li> </ul> <h2> Workers Compensation for Auto Services Businesses</h2> An important coverage that is overlooked by many <em><strong>auto service businesses is workers compensation</strong></em>. Workers compensation insurance in Illinois is mandatory for all businesses, including the auto service businesses.&nbsp; Unlike what many business owners think, the rates for Illinois workers compensation insurance for auto service businesses is based on the total annual payroll, not the number of employees.<br /> <br /> <h2>Affordable Insurance for Auto Services Businesses</h2> For auto service businesses in Illinois finding a business insurance policy may be a challenging task. But there is no doubt that shopping for the right policy may save the business owner hundreds if not thousands of dollars. Dealing with a specialized and experienced independent agent is key factor in finding the best coverage for the lowest price.urn:uuid:bc057a8b-b6f1-46f6-8215-9b95ebc47adcCommercial General Liability and Property Insurance for Janitorial&nbsp; Services Operations &nbsp;bu Aya Mus, Illinois Janitorial Insurance Expert in Chicago Owners of janitorial businesses spend lots of time establishing and growing their business...Fri, 18 Nov 2011 01:40:26 -0600<h1>Commercial General Liability and Property Insurance for Janitorial&nbsp; Services Operations</h1> &nbsp;bu Aya Mus, Illinois Janitorial Insurance Expert in Chicago<br /> <br /> Owners of janitorial businesses spend lots of time establishing and growing their businesses. As janitorial business grows the need for good insurance protection becomes very important. There are many insurance protection plans for janitorial services offered through the independent insurance agent network.<br /> <br /> <h2> Definition of Janitorial General Liability Insurance</h2> Janitorial liability is a commercial general insurance that helps protect the janitorial business from potential liability expenses that may incur due to bodily injuries and property damage caused by negligent accidents caused by the insured business.&nbsp; The backbone of any commercial policy for janitorial business is the liability part of the policy. <br /> <br /> <strong>General liability insurance for janitorial services</strong> may come as a <em><strong>monoline policy</strong></em> (only liability is offered), a <em>commercial package policy</em> (liability and some property coverage) or as a business owner policy (BOP). Business owner policies for janitorial services offer more comprehensive coverage. In Chicago there are several insurance companies that offer more comprehensive janitorial business owner policies.<br /> <br /> Besides the main commercial general liability coverage, a janitorial liability section may include coverages such as:<br /> <br /> <span style="text-decoration: underline;"><strong>Care, Custody and Control</strong></span> - This is coverage for damages to property left under the care, custody and control of your business and its employees.<br /> <br /> <span style="text-decoration: underline;"><strong>Theft Legal Liability</strong></span> - Covers damages resulted from failure of the janitorial business in securing customers' premises (Forgetting to lock customer's doors leading to burglarizing their premises.)<br /> <br /> <span style="text-decoration: underline;"><strong>Blanket Additional Insured</strong></span> - This will automatically grant an 'insured status' to anyone who becomes eligible to be listed as additional insured per contracts and agreements.<br /> <br /> <span style="text-decoration: underline;"><strong>Waiver of Subrogation</strong></span> - Providing an automatic waiver of recovery from third parties if that waiver is expressed in a written contract of the insured.<br /> <br /> <br /> Business owner policy for janitorial business includes certain property coverage. Prominent <span style="text-decoration: underline;"><strong>property coverages for janitorial businesse</strong></span>s include:<br /> <br /> <span style="text-decoration: underline;"><strong>Tools and Equipment Coverage</strong></span> - This will cover the janitorial business own tools and equipment used at customer's locations. Coverage may be expanded to include tools and equipment owned by employees of the business.<br /> <br /> <span style="text-decoration: underline;"><strong>Business Income and Extra Expense</strong></span> - This will provide protection for lost income when a covered loss occur. <br /> <span style="text-decoration: underline;"><strong><br /> Data Processing Coverage</strong></span> - Covers losses to computers and computer programs and data because of covered loss.<br /> <br /> <span style="text-decoration: underline;"><strong>Employee Dishonesty for Janitors</strong></span> - Coverage for dishonest acts of employees such as theft of money, securities or properties.<br /> <br /> <br /> Additional Coverages for Janitorial Businesses Not Typically Included in BOP. The following is a list of additional coverages for janitorial services that are not typically included in the business owner policies:<br /> <br /> <span style="text-decoration: underline;"><strong>Commercial Auto Coverage</strong></span> - Janitorial business autos need special and separate coverage under a commercial auto policy.<br /> <br /> <span style="text-decoration: underline;"><strong>Workers Compensation for Janitorial Employees</strong></span> - Workers compensation coverage for janitorial employees come separate from BOP.<br /> <br /> <strong>Employee Benefit Liability</strong> - This will cover any error and omission or professional liability lawsuits brought against the business for reasons related to administration of employees benefits.<br /> <br /> <span style="text-decoration: underline;"><strong>Employment Practice Liability</strong></span> - Coverage for wrongful employment practices of the janitorial services (such as wrongful firing of an employee).<br /> <br /> Umbrella - Extends the liability coverage for certain coverages (liability, business auto, workers compensation), to a much higher limits such as an additional $1 or $5 million.urn:uuid:6ddfdf05-9a50-4d10-8a2b-4dfbdab7d1fbZero Down Payment Car Insurance by Aya Mus, Illinois Car Insurance Expert in Chicago You may have seen an ad here or there advertising zero down payment auto insurance or homeowners insurance, or no down payment car insurance. To some people the zer...Wed, 16 Nov 2011 00:33:19 -0600<h1>Zero Down Payment Car Insurance</h1> <strong>by Aya Mus, Illinois Car Insurance Expert in Chicago</strong><br /> <br /> You may have seen an ad here or there advertising <em><strong>zero down payment auto insurance</strong></em> or homeowners insurance, or <em><strong>no down payment car insurance</strong></em>. To some people the <em><strong>zero down payment or no down payment auto insurance</strong></em> is a reality while to others the concept is nothing but a marketing pitch to attract attention of potential clients. Is there such a thing called <strong>no down payment auto insurance</strong>?<br /> <br /> Technically, the answer to the above question is yes, although it is hardly ever found those days. To elaborate we need to consider the nature of auto insurance companies offering auto insurance.<br /> <br /> <span style="text-decoration: underline;"><strong>Credit Oriented Auto Insurance Companies</strong></span>. Some <strong>auto insurance companies</strong> require credit check before they issue a firm auto insurance proposal. People with super credit get very good coverages at very great prices. In very few situations some of these companies may issue policies to certain clientele who have good credit and MVR records. Auto insurance companies that extend auto insurance coverage without down payment will wait for the down payment to arrive from either the agent or the insured person. If payment is not received the amount, even at small amounts, will be reported to the credit bureau. Some of these companies may still charge the agent by deducting the amount from commissions owed to agent on other policies. Advertising <strong>zero down payment insurance</strong> is not a strategy of preferred and standard insurance carriers.<br /> <br /> <span style="text-decoration: underline;"><strong>Non Standard Insurance Companies</strong></span>. The vast majority of non standard insurance companies providing what we know as <strong>low cost auto insurance</strong> will not check the credit of auto insurance applicants. For that reason, these companies will not issue a policy without some sort of payments. All states impose laws governing cancellation of policies for reasons related to non payment of premiums. In Illinois auto insurance policies have to be given 10 day notices before the policy is cancelled. Longer periods may apply under certain circumstances. Generally speaking, these companies will not check the credit and will not report any balance to any credit bureau, as they simply will not insure anyone without some sort of payment to cover the initial period.<br /> <br /> So what is behind the <strong>no down payment auto insurance</strong> advertised by agents of non standard insurance companies? The answer to that is in the language. Policy premiums can be divided in to two components, down payments and monthly payments (due after specific number of days from effective date of the policy.) Some insurance agencies my ask you to not make a down payment, but will definitely ask you to make the first monthly payment. So, even with no down payment is required, a monthly payment may be required to start your auto insurance.<br /> <br /> It is clear that all the talk about <strong>zero down payment insurance</strong> is merely a marketing pitch to attract attention of potential clients. Customers should evaluate each and every policy proposal based on only two pieces of information. One: Compare the cash price of the policy if you want to pay it all now, and Two: In the event you want to go with an&nbsp; installment plan, compare the total of all the payments that you will make under different scenarios.urn:uuid:04cd5a34-d650-48f5-8c71-80ee9fed0d3a&iquest;Qu&eacute; es SR22 en Illinois? Seguro de Responsabilidad Financiera (SR-22) es el mecanismo en Illinois para controlar el seguro de los problemas en controladores y autorizar al Secretaria de Estada licencia de los conductores, si el conduc...Tue, 15 Nov 2011 02:47:08 -0600<span><strong>&iquest;Qu&eacute; es SR22 en Illinois?</strong></span><br /> <br /> <strong>Seguro de Responsabilidad Financiera</strong> (SR-22) es el mecanismo en Illinois para controlar el seguro de los problemas en controladores y autorizar al Secretaria de Estada licencia de los conductores, si el conductor se cancela el SR22. SR26 es la forma de cancelaci&oacute;n de la SR22. A trav&eacute;s de la SR-22 y SR-26 proceso, el seguro obligatorio se aplica de la manera m&aacute;s eficiente. <br /> <br /> <strong>Seguro de Responsabilidad Financiera</strong> se requiere en Illinois por los individuos con suspensiones responsabilidad de la seguridad (Acci&oacute;n de Tipo 04), suspensiones de juicio insatisfechas (Tipo acci&oacute;n 06), revocaciones (Tipo acci&oacute;n 01 y 02) supervisiones de seguro obligatorio y las personas que reciben tres o m&aacute;s condenas por el seguro obligatorio violaci&oacute;nes.<br /> <br /> El seguro debe ser presentado en un<strong> Certificada de Responsabilidad Financiera</strong> (SR-22) de la oficina central de la compa&ntilde;&iacute;a de seguros. La compa&ntilde;&iacute;a de seguros que emite deben ser autorizadas para suscribir <strong>seguros de responsabilidad financiera</strong> en Illinois y tiene un "poder" en los archivos de Illinois. <br /> <br /> Un SR-22 es un certificado de seguro presentada por el&nbsp; Secretaria de Estada de una compa&ntilde;&iacute;a de seguros directamente al&nbsp; Secretaria de Estada. El SR-22 certificado se expide en una de las siguientes formas:<br /> <br /> <ul> <li>Certificado de operador - Esta p&oacute;liza cubre al conductor en la operaci&oacute;n de cualquier veh&iacute;culo que no pose&iacute;a. Si el conductor no posee un veh&iacute;culo, el requisito de responsabilidad financiera se pueden satisfacer mediante el certificado del operador.</li> <li>Certificado de propietario - Esta p&oacute;liza cubre los veh&iacute;culos de propiedad del conductor. El tipo de veh&iacute;culo deben estar inscritos en el SR-22, o podr&aacute; ser expedido para "Todos los veh&iacute;culos de su propiedad".</li> <li>Operadores-propietarios de certificados - Este certificado abarca todos los veh&iacute;culos de su propiedad o no propiedad del conductor.</li> </ul>urn:uuid:e46a9463-d2d5-4c88-aa78-54173fa739a5by Edward Snaineh Illinois Homeowners Insurance Rates Expert in Chicago The vast majority of standard insurance companies will require a credit check for homeowners insurance quotes or for auto insurance rates affirmation. Insurance experts found th...Sun, 13 Nov 2011 22:46:38 -0600by Edward Snaineh<br /> <em><strong>Illinois Homeowners Insurance Rates Expert in Chicago</strong></em><br /> <br /> The vast majority of standard insurance companies will require a credit check for <span style="text-decoration: underline;"><em><strong>homeowners insurance quotes</strong></em></span> or for <em><span style="text-decoration: underline;"><strong>auto insurance rates</strong></span></em> affirmation. Insurance experts found that there is positive correlation between bad credits of applicants and potential insurance claims. Based on this positive correlation, insurance rates are set normally with high base rate, then a discount or credit is applied for people with more favorable credits.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Insurance discounts for high credit scores</strong></em></span> is based on the degree of superiority of the credit. Insurance applicants with higher rating get better insurance rates. Most insurance companies will classify applicants using a '<span style="text-decoration: underline;"><em><strong>tier rating system</strong></em></span>' where each tier represents specific range of credit worthiness. With the way a few insurers structure their rating systems, it will make a difference in the final <em><span style="text-decoration: underline;"><strong>homeowners insurance quote</strong></span></em> if the husband preceded the wife or vise versa on the <span style="text-decoration: underline;"><em><strong>homeowners insurance application</strong></em></span>, if the credit of the husband and the wife is considerably different. This trend is diminishing, and most insurers are combining the credit scores of both spouses for the final determination of the <span style="text-decoration: underline;"><em><strong>homeowners insurance rates</strong></em></span>.<br /> <br /> Having bad credit alone may not be a reason for companies to decline your <span style="text-decoration: underline;"><em><strong>homeowners insurance application</strong></em></span>. However, it is almost certain that people with <em><strong>bad credit will get higher homeowners insurance rates</strong></em> than those with good credit when submitting an application with standard or preferred insurers. For that reason, people with bad credit may find themselves compelled to deal with <strong>nonstandard homeowners insurers</strong>. Type of coverages, claim services and other riders offered may not be of the same quality that standard and preferred insurers offer. For example, some <span style="text-decoration: underline;"><strong><em>non standard homeowners insurers</em></strong></span> may not offer riders such as <em><span style="text-decoration: underline;"><strong>Guaranteed Replacement Cost of Contents</strong></span></em> or <em><span style="text-decoration: underline;"><strong>Guaranteed Replacement Cost of Structure</strong></span></em>, very valuable riders that are normally added at little or no extra charge with most standard and preferred insurers.<br /> <br /> <span style="font-size: 13px;"><strong>Bankruptcy and Homeowners Insurance Rates</strong></span><br /> <br /> The serious situation that arises very often is with people who have bankruptcy. Many standard and preferred homeowners insurance companies will not offer the usual HO3 policies to applicants who filed for bankruptcy in the past five to seven years, or may offer it to them but at an extremely prohibitive rate. Most forms offered to applicants with bankruptcy focus on insuring the dwelling of the house, not the personal property.<br /> <br /> <strong><span style="font-size: 13px;">Bad Credit or Claims History, Which One Is Worse?</span></strong><br /> <br /> As indicated earlier bad credit is always associated with high homeowners insurance rates. The same could be said about previous claims. The frequency of previous claims, rather than the amounts paid on the claims, is a critical factor in determining the home insurance quotes. A situation of three claims totaling $4,000 is much worse than 1 claim with $15,000.<br /> <br /> <span style="font-size: 13px;"><strong>Homeowners Insurance Options for People With Bad Credits</strong></span><br /> <br /> Most marketing and competitive campaigns conducted by insurers are directed at people with more favorable credit. People who have less than good credit are advised to deal with independent insurance agents, or agents who represent a wide range of insurance companies with different appetite for credits. Some companies that do not check on the credit score, most often use the independent agency system,&nbsp; can still provide excellent coverage and services.urn:uuid:0150a78a-5d42-4701-b29d-3dd10910a40eLas inundaciones son una ocurrencia com&uacute;n en los Estados Unidos, de noroeste a sureste, las inundaciones del hurac&aacute;n y del r&iacute;o son comunes. Con cada inundaci&oacute;n viene la destrucci&oacute;n de bienes enormes, incluyendo da&n...Thu, 10 Nov 2011 17:29:15 -0600<p>Las inundaciones son una ocurrencia com&uacute;n en los Estados Unidos, de noroeste a sureste, las inundaciones del hurac&aacute;n y del r&iacute;o son comunes. Con cada inundaci&oacute;n viene la destrucci&oacute;n de bienes enormes, incluyendo da&ntilde;os a los autom&oacute;viles. Los da&ntilde;os por agua pueden no ser tan visibles como los da&ntilde;os de colisi&oacute;n, aunque puede causar da&ntilde;os m&aacute;s graves en el sistema el&eacute;ctrico del veh&iacute;culo y su motor.</p> <p>Algunos analistas informaron que en el paso del hurac&aacute;n Irene causado 11,789 veh&iacute;culos relacionados con las inundaciones-se present&oacute; alegaci&oacute;n alguna en el mes de agosto de 2011 solamente, alrededor del 35% de ellos estaban en estado de Nueva Jersey. A principios de mayo 2011 miles de veh&iacute;culos se inundaron y declarado p&eacute;rdida total por las compa&ntilde;&iacute;as de seguros en las inundaciones del r&iacute;o Mississippi que un duro golpe a varias comunidades, especialmente en Louisiana.</p> <p>La mayor&iacute;a de estos veh&iacute;culos llegar&aacute;n al mercado en breve, ser vendidos por los individuos y comerciantes. Los vendedores de veh&iacute;culos da&ntilde;ados por las inundaciones suelen elegir las zonas donde las inundaciones no comunes, tales como Chicago, Illinois. No es raro encontrar a personas y comerciantes tratando de vender los veh&iacute;culos da&ntilde;ados por las inundaciones en Chicago, Illinois. No hay nada ilegal en ello, siempre y cuando el vendedor (s) hacen que la divulgaci&oacute;n en relaci&oacute;n con el veh&iacute;culo de inundaciones para el comprador (s). En realidad, un veh&iacute;culo de inundaci&oacute;n puede ser una excelente compra para un controlador m&aacute;s reciente, el coche del proyecto, o simplemente un buen coche por un buen precio. Sin embargo, la venta de un veh&iacute;culo de las inundaciones sin hacer esta divulgaci&oacute;n a los potenciales compradores.</p> <p>Efecto de Los Veh&iacute;culos de Las Inundaciones en el Seguro de Auto Reclamos</p> <p>Cuando un seguro de auto, la compa&ntilde;&iacute;a le pagar&aacute; el valor real en efectivo del veh&iacute;culo en caso de p&eacute;rdida total. Si la compa&ntilde;&iacute;a estima que el valor de la reparaci&oacute;n es de 75% a 80% del valor real en efectivo o mayor, entonces se declarar&aacute; la p&eacute;rdida total del veh&iacute;culo. Veh&iacute;culos de las inundaciones han ACV significativamente m&aacute;s bajos, lo que significa que en caso de p&eacute;rdida total de su empresa puede pagar s&oacute;lo una fracci&oacute;n muy peque&ntilde;a. Adem&aacute;s, algunas empresas no pueden ofrecer los da&ntilde;os f&iacute;sicos (exhaustivo y collission) para antes fue de (salvado) de los veh&iacute;culos, incluidos veh&iacute;culos de inundaci&oacute;n.</p> <p><strong>C&oacute;mo Detectar un Veh&iacute;culo de Inundaciones en Agencias de Autos</strong></p> <p>Hay muchas cosas que usted puede hacer para comprobar si el veh&iacute;culo que est&aacute; comprando es un veh&iacute;culo de inundaci&oacute;n. Estos incluyen:</p> <p>1. Evitar la compra de los extra&ntilde;os no verificable. Si va a comprar en los distribuidores de autos usados ??elegir uno con buena reputaci&oacute;n.<br /> 2. Revise el interior de los veh&iacute;culos. Signos como la alfombra reci&eacute;n lavado con champ&uacute;, tapicer&iacute;a de la decoloraci&oacute;n, moho en &aacute;reas donde el agua no puede estar en (&aacute;rea de la consola), el barro en el tronco y la zona del motor, retractor del cintur&oacute;n de seguridad por la humedad o moho, y altavoces de las puertas de los da&ntilde;os.<br /> 3. Haga preguntas acerca de si el veh&iacute;culo estuvo involucrado en un accidente o una inundaci&oacute;n. Carfax deber&iacute;an ayudar a determinar eso. Inspeccionar el coche antes de comprarlo.<br /> 4. Otras fuentes de informaci&oacute;n que pueda obtener sobre los veh&iacute;culos incluyen los veh&iacute;culos de motor T&iacute;tulo Nacional del Sistema de Informaci&oacute;n (<a href="http://www.vehiclehistory.gov/nmvtis_vehiclehistory.html">http://www.vehiclehistory.gov/nmvtis_vehiclehistory.html</a>) y el National Insurance Crime Bureau (<a href="https://www.nicb.org/theft_and_fraud_awareness/vincheck">https://www.nicb.org/theft_and_fraud_awareness/vincheck</a>)</p>urn:uuid:4d838e79-6e53-4c48-be88-784cfe4555a3by Sumaya Amer Illinois Auto Insurance Specialist in Chicago Flood is a common occurrence in the United States, from Northeast to Southeast, hurricane and river floods are common. With each flood comes enormous property destruction, including damage...Wed, 09 Nov 2011 23:15:53 -0600by Sumaya Amer<br /> <strong>Illinois Auto Insurance Specialist in Chicago</strong><br /> <br /> Flood is a common occurrence in the United States, from Northeast to Southeast, hurricane and river floods are common. With each flood comes enormous property destruction, including damage to automobiles. Water damage may not be as visible as collision damages, although it can cause more serious damage to the electrical system of the vehicle and its engine.<br /> <br /> Some analysts reported that in wake of Hurricane Irene some 11,789 flood vehicle-related claims were made in the month of August 2011 alone, about 35% of those were in State of New Jersey.&nbsp; Earlier in May 2011 thousands of vehicles were flooded and declared total loss by insurance companies in the Mississippi River flooding that hit hard several communities, especially Louisiana.<br /> <br /> Most of these vehicles will hit the market soon, be sold by individuals and dealers. Sellers of flood damaged vehicles normally choose areas where flood is not common, such as Chicago Illinois. It is not uncommon to find individuals and dealers attempting to sell<em> <span style="text-decoration: underline;"><strong>flood damaged vehicles in Chicago Illinois</strong></span>.</em> There is nothing illegal about it as long as the seller(s) make that <span style="text-decoration: underline;"><strong>disclosure regarding the flood vehicle </strong></span>to the buyer(s). Actually a flood vehicle can be an excellent buy for a newer driver, project car, or just another nice car for good price. However, selling a flood vehicle without making this disclosure to the potential buyers.<br /> <strong><br /> Effect of Flood Vehicles on Auto Insurance Claims</strong><br /> <br /> When you insurance an auto, the company will pay you the <strong>Actual Cash Value</strong> of the vehicle in the event of total loss. If the company estimates the value of repair to be 75% to 80% of the Actual Cash Value or higher, then they will declare the vehicle total loss. Flood vehicles have significantly lower ACV, meaning that in the event of total loss your company may pay you only a very small fraction. Also, some companies may not offer physical damage (comprehensive and collission) to previously totaled (salvaged) vehicles, including flood vehicles.<br /> <br /> <span style="text-decoration: underline;"><strong>How to Spot A Flood Vehicle</strong></span><br /> <br /> There are many things you can do to check if the vehicle you are buying is a flood vehicle. These include:<br /> <br /> 1. Avoid buying from unverifiable strangers. If you are buying from used car dealers choose one with good reputation.<br /> 2. Check the interior of the vehicles. Signs like recently shampooed carpet, fading upholstery, rust in areas where water cannot be in (console area), mud in trunk and engine area, seatbelt retractor for moisture or mildew,&nbsp; and door speakers for any damage.<br /> 3. Ask questions about if the vehicle was involved in accident or flood. Carfax should help determine that. Inspect the car before you buy it.<br /> 4. Other sources of information that you may get about vehicles include the National Motor Vehicle Title Information System (http://www.vehiclehistory.gov/nmvtis_vehiclehistory.html) and the National Insurance Crime Bureau&nbsp; (https://www.nicb.org/theft_and_fraud_awareness/vincheck)urn:uuid:f57481a1-16c5-4473-9996-8f8953b0e0a7PRESS RELEASE Chicago, IL, November 8, 2011 -- Chicago Auto Insurance Leader Insurance Navy to Expand In The City of Chicago Chicago auto insurance leader, Insurance Navy, announced Friday that it has signed a lease to open a new branch in the Nort...Tue, 08 Nov 2011 22:39:20 -0600PRESS RELEASE<br /> <br /> Chicago, IL, November 8, 2011 -- <strong>Chicago Auto Insurance</strong> Leader Insurance Navy to Expand In The City of Chicago<br /> <br /> <strong>Chicago auto insurance</strong> leader, Insurance Navy, announced Friday that it has signed a lease to open a new branch in the Northwest side of&nbsp; Chicago Illinois. The new facility will be located in the Cragin Neighborhood at 2327 N Cicero Ave, Chicago Illinois, 60639. Insurance Navy is expected to commence business at that location sometimes in December 2011.<br /> <br /> The new location has a strategic importance to Insurance Navy because of several reasons including the fact that it is situated in an important neighborhood of Latino communities in Chicago, and in the middle of a large number of <strong>Chicago used car dealers</strong>. Both market segments, the Latino and the<strong> Used Car Dealerships</strong> are considered the two primary markets of Insurance Navy.<br /> <br /> '<span style="text-decoration: underline;"><em><strong>Low rates auto insurance in Chicago</strong></em></span> and <span style="text-decoration: underline;"><em><strong>car insurance for Illinois drivers with no license</strong></em></span> are considered the backbone of our insurance business,' said Agency Spokesman Edward Sneneh. Insurance Navy is providing services to hundreds of customers in that Chicago ZIP codes and neighboring ZIP codes.<br /> <br /> Cicero Avenue extending from Madison to Montorse is abundant with used car dealers whose patrons are constantly searching for <span style="text-decoration: underline;"><em><strong>auto insurance quotes in Chicago</strong></em></span>. Thousands of vehicles are purchased on monthly bases with a large number of buyers in need for immediate car insurance coverage. 'Our agency specializes in assisting those dealers in finding <strong>cheap car insurance rates in Chicago</strong>, or simply <strong>temporary auto insurance </strong>binders, known as <strong>7 day insurance binders</strong>,' Mr. Sneneh added.<br /> <br /> <strong>Car dealers insurance in Chicago Illinois</strong> is one of the main focus of Insurance Navy. The agency offers Chicago car dealerships with garage insurance coverage, dealer physical damage coverage, and other coverages including <strong>driveway insurance for the City of Chicago</strong>. Insurance Navy represents a number of carriers that offer this used car dealers liability insurance. This includes Founders Insurance, Utica Insurance Group and few other carriers.<br />urn:uuid:2a40ed2e-d90d-4107-985f-d7e8491af5e5Chicago Auto Agencia de Seguros,InsuranceNavy, de expansi&oacute;n en la Ciudad de Chicago L&iacute;der de seguros de auto agencia en Chicago, Insurance Navy, anunci&oacute; el viernes que ha firmado un contrato de arrendamiento para abrir una nueva...Tue, 08 Nov 2011 22:31:14 -0600<strong>Chicago Auto Agencia de Seguros,InsuranceNavy, de expansi&oacute;n en la Ciudad de Chicago</strong><br /> <br /> L&iacute;der de <em><strong>seguros de auto agencia </strong></em>en Chicago, Insurance Navy, anunci&oacute; el viernes que ha firmado un contrato de arrendamiento para abrir una nueva sucursal en el lado noroeste de Chicago, Illinois. La nueva oficina&nbsp; estar&aacute; ubicada en el Barrio Cragin en 2327 N Cicero Ave., Chicago, Illinois, 60639. Insurance Navy se espera que comience en ese lugar a veces en diciembre de 2011.<br /> <br /> La nueva oficina tiene una importancia estrat&eacute;gica para Insurance Navy debido a varias razones, incluyendo el hecho de que se encuentra en un importante barrio de las comunidades latinas en Chicago, y en medio de un gran n&uacute;mero de <span style="text-decoration: underline;"><em><strong>agencias de autos usados Chicago</strong></em></span>. Ambos segmentos del mercado, los latinos y los <strong>agencias de autom&oacute;viles</strong> usados se consideran los dos principales mercados para&nbsp; InsuranceNavy.<br /> <br /> "<span style="text-decoration: underline;"><em><strong>Bajas tasas de seguros de autos en Chicago</strong></em></span> y el <span style="text-decoration: underline;"><em><strong>seguro de autom&oacute;vil para los conductores de Illinois sin licencia</strong></em></span>&nbsp; se consideran la columna vertebral de nuestro negocio de seguros," dijo el portavoz de la agencia Edward Sneneh. Insurance Navy es la prestaci&oacute;n de servicios a cientos de clientes en la que los c&oacute;digos postales de Chicago.<br /> <br /> Cicer&oacute; Avenue que se extienden desde Madison a Montorse es abundante con los agencias de autos usados cuyos clientes est&aacute;n en constante b&uacute;squeda de cotizaciones de seguros de autos en Chicago. Miles de veh&iacute;culos son comprados en bases mensuales, con un gran n&uacute;mero de compradores en la necesidad de <strong>cobertura inmediata para autos</strong>. "Nuestra agencia se especializa en ayudar a los clientes en la b&uacute;squeda de las de <strong>seguro de auto barato en Chicago</strong>, o simplemente <strong>temporales de seguro de auto</strong>, conocido como de <em><strong>7 d&iacute;as aseguranza</strong></em> ," dijo el Sr. Sneneh.<br /> <br /> <strong>Aseguranza para agencias de autos en Chicago</strong>, Illinois, es uno de los objetivos principales de Insurance Navy. La agencia ofrece los <strong>agencias de autos en Chicago</strong> el <strong>cobertura de garaje</strong> , la <strong>cobertura&nbsp; da&ntilde;o f&iacute;sico</strong>, y otras coberturas de seguros incluidas '<span style="text-decoration: underline;"><strong>driveway insurance' para ciudad de Chicago</strong></span>.<br /> <span style="text-decoration: underline; font-size: 13px;"><br /> <strong>Direcciones y n&uacute;meros de tel&eacute;fono de Insurance Navy</strong></span><br /> <br /> Insurance Navy 10338 S Harlem Ave Palos Hills IL 60465 (708) 237-0404<br /> Insurance Navy 7333 W 25th St North Riverside IL 60456 (708) 443-5600<br /> Insurance Navy 7213 West 84th Street Bridgeview IL 60455 (708) 233-4848<br /> Insurance Navy 663 River Oaks Dr Calumet City IL 60445 (708) 891-9495<br /> Insurance Navy 5116 W Cermak Cicero IL 60804 (708) 863-9000<br /> Insurance Navy 14653 S Cicero Ave Midlothian IL 60445 (708) 489-1200<br /> Insurance Navy 608 S 5th Ave Maywood IL 60153 (708) 338-1111<br /> Insurance Navy 123 W 159th Street Harvey IL 60426 (708) 331-3232<br /> Insurance Navy 18 South Larkin Avenue Joliet IL 60436-1244 (815) 725-4700<br /> Insurance Navy 165 West Joe Orr Road Chicago Heights IL 60411 (708) 983-6800<br /> Insurance Navy 4717 N Pulaski Chicago IL 60630 (773) 478-3700urn:uuid:bca7fbe0-ff8a-4a44-83fc-35d9aac796d9Common Problems in Selecting Property Insurance Coverage Ed Sneneh, Illinois Homeowners Insurance &amp; Property Insurance&nbsp; Expert in Chicago 300 N LaSalle St., Ste 4925, Chicago Illinois 69654 The vast majority of people mistakenly assume that...Sun, 06 Nov 2011 21:59:39 -0600<h1>Common Problems in Selecting Property Insurance Coverage</h1> <em><strong>Ed Sneneh, Illinois Homeowners Insurance &amp; Property Insurance&nbsp; Expert in Chicago</strong></em><br /> 300 N LaSalle St., Ste 4925, Chicago Illinois 69654<br /> <br /> The vast majority of people mistakenly assume that insuring a house they rent to others is similar to insuring their own home where they live. Irreverent insurance coverage is not just wrong, it can be disastrous. If the appropriate property insurance policies are not acquired, people could be allowing themselves to take a chance for their property to be without any coverage, thus suffering tremendous losses in the event of fire, for example.<br /> <br /> To insure a property you own and you live in, you will have to get a policy that is called a '<em><span style="text-decoration: underline;"><strong>homeowners insurance policy</strong></span></em>.' Acquiring insurance on a house (or a property) you own but you do <em><span style="text-decoration: underline;">not</span></em> use as a primary residence, you must have a policy identified as '<em><span style="text-decoration: underline;"><strong>dwelling fire insurance policy.</strong></span></em>' Policy coverages, underwriting guidelines,&nbsp; and rates are not similar. The key important coverage that is common is the '<span style="text-decoration: underline;"><strong>Dwelling Coverage</strong></span>.' Both policies will cover the 'dwelling', or the real <span style="text-decoration: underline;"><strong><em>structure of the house</em></strong></span>.<br /> <br /> <h2>What Is The Right Insurance for Your Property- Homeowners or Dwelling Fire Policy?</h2> <strong>Homeowners insurance</strong> is generally less costly and includes extra coverages than dwelling fire insurance, if we assume other important things such as the credit worthiness of the property insurance applicants, geographical proximity of the property, physical condition of the home in question are all the same. Individuals might be eligible for homeowners insurance contract as opposed to dwelling fire contract in particular situations which includes:<br /> <br /> <ul> <li> Policy applicants are residing at the home to be insured. For example Dani may purchase a home for his family but considering his unacceptable credit score, he decides to put the house under his brother's name Sam. In this case Dan will not be able to get a <strong>homeowners insurance policy</strong>, because he is not the official owner of the house. Instead, Dan has to have his brother purchase a dwelling fire policy to protect the main structure of the property, and Dan must purchase a <em><span style="text-decoration: underline;"><strong>renter's policy</strong></span></em>, to cover his personal liability &amp; the content of the house.</li> <li> The home is not vacant for over 60 consecutive days. Cindy &amp; her husband Tom decided to get rid off their house because of divorce. The husband moves out of the residence to be with his friend, and Cindy needs to move to live with her father. The house is presently on the real estate market, and the residence has been vacant for well over 60 days. Under these circumstances a new <em><span style="text-decoration: underline;"><strong>dwelling fire policy </strong></span></em>is required and the current homeowner insurance policy is not good any more.</li> <li> The property is not used primarily for commercial purposes. Any commercial use with private homeowners insurance must be incidental. Daphne has just bought a two story building. She likes to live in the apartment on the upper level and use the lower level as her flower shop project. As a result of of clear commercial activities are performed on primary basis, then a business insurance contract will be needed (neither homeowners nor dwelling fire policy is relevant.)</li> <li> The property is 4 residential units or less, owner occupied building. Mat Lopez bought a 4 unit residential dwelling. In the beginning he lived&nbsp; on the premises; and for that, was allowed to buy a regular <span style="text-decoration: underline;"><em><strong>homeowners insurance policy</strong></em></span>. A couple of months later, he made a choice to move in a single family home, therefore disqualifying him from having <em><strong>homeowners insurance policy</strong></em> of the original dwelling. A dwelling fire insurance policy will be needed now.</li> </ul> <br /> Experienced insurance brokers should be able to assist you. Even with that, keep in mind that a full disclosure of the information concerning ownership, occupancy, &amp; purpose of property is all very important for the purpose of getting the correct consultation.urn:uuid:340149b2-d424-49c7-a019-dcf41c68a188Coberturas Obligatorias del Aseguranza en Illinois Edward Sneneh, Auto Agente de Seguros en Chicago B&aacute;sicamente, todo el que posea un veh&iacute;culo de. El seguro de carro lo protege de las p&eacute;rdidas financieras como reparaciones del ...Sat, 05 Nov 2011 10:01:07 -0500<strong>Coberturas Obligatorias del Aseguranza en Illinois</strong><br /> Edward Sneneh, Auto Agente de Seguros en Chicago<br /> <br /> <br /> B&aacute;sicamente, todo el que posea un veh&iacute;culo de. El <em><strong>seguro de carro</strong></em> lo protege de las p&eacute;rdidas financieras como reparaciones del veh&iacute;culo, y servicios legales que podr&iacute;an resultar de carro accidentes. La&nbsp; ley de Illinois mandatos que todos los due&ntilde;os de carros tengan una cantidad m&iacute;nima de seguro de responsabilidad de carro. Tambi&eacute;n, las instituciones financieras tales como bancos&nbsp; o empresas que prestan dinero para comprar autos (llamado titular de prenda)&nbsp; pueden requerir el seguro de da&ntilde;o f&iacute;sico para proteger sus intereses en un veh&iacute;culo que ha sido financiado. &nbsp;<br /> <br /> <span style="text-decoration: underline;"><strong>Coberturas Obligatorio del Seguro de Autom&oacute;vil</strong></span>:<br /> <br /> <strong>Cobertura de Responsabilidad: Consits de las siguientes coberturas:</strong><br /> <br /> <ul> <li>&nbsp;&nbsp; &nbsp;<strong>Herida Corpora</strong>l (BI). Paga por el costo debido a una lesi&oacute;n o el fallecimiento de un&nbsp; persona en otro carro. Es posible que tambi&eacute;n cubra el costo de las heridas de sus pasajeros en tanto que ellos no sean miembros de su hogar. La ley de Illinois requiere m&iacute;nimo l&iacute;mites de BI&nbsp; $20,000 por persona, por accidente y $40,000 total por accidente.</li> <li>&nbsp;&nbsp;&nbsp;<strong> Da&ntilde;o a la Propiedad (PD)</strong>: Paga el da&ntilde;o al&nbsp; propiedad de otra persona cuando usted causa un accidente de auto.&nbsp; Ejemplos (coches, vallas, edificios). La ley de Illinois mandatos el PD tenga un l&iacute;mite de responsabilidad de al menos $15,000 por accidente.</li> <li>&nbsp;&nbsp;&nbsp; <strong>La Cobertura Para No Est&aacute; Asegurado Motorista</strong>&nbsp; (UM): Paga&nbsp; por sus lesiones corporales causadas por un conductor que atropella a la persona y deja la escena o un conductor que es culpable y que carece de un seguro de responsabilidad de autom&oacute;vil. Ahora, la ley en&nbsp; Illinois mandatos l&iacute;mites para los motoristas que no tienen seguro de $20,000 por persona y $40,000 por accidente.</li> </ul> <br /> Otras coberturas que no son obligatorios:<br /> <br /> Lesiones personales para usted, en caso de que usted es herido por alguien que tiene un seguro, pero que el seguro no es suficiente (UIM). Ley en Illinois requiere este tipo de cobertura solo si usted compra l&iacute;mites mayores de cobertura de lesi&oacute;n corporal del motorista que no est&aacute; asegurado (UM).<br /> <br /> <strong>Pagos M&eacute;dicos</strong>. Esta cobertura paga a&uacute;n si usted causa el accidente, para los gastos m&eacute;dicos y funerarios para usted y los pasajeros cubiertos, si sufren heridas o fallecen en un accidente, en su veh&iacute;culo. &nbsp;<br /> <br /> ----<br /> &iquest;Necesitas un presupuesto?. Llame a nuestra&nbsp; de Servicios al Cliente, al (773) 478-3700 o (708) 237-0404<br />urn:uuid:eccf5a1a-92b4-4aa0-a6d6-9270b7b5634dby Edward Sneneh, Illinois Auto Insurance Agent in Chicago CLUE or C.L.U.E report is the acronym from Comprehensive Loss Underwriting Exchange. CLUE is an intelligence insurance claims data report about&nbsp; property and people that is prepared by ...Fri, 04 Nov 2011 23:44:15 -0500<em><strong>by Edward Sneneh, Illinois Auto Insurance Agent in Chicago</strong></em><br /> <br /> <strong>CLUE or C.L.U.E report</strong> is the acronym from <span style="text-decoration: underline;"><em><strong>Comprehensive Loss Underwriting Exchange</strong></em></span>. CLUE is an intelligence insurance claims data report about&nbsp; property and people that is prepared by a company called ChoicePoint, (acquired by LexisNexis in 2008), located in Alpharetta, near Atlanta, Georgia. The company, ChoicePoint, collects and tabulate public and private information about insurance claims made by individuals, groups, and businesses. The reports are sold to private insurers, employers, and government agencies for a fee. The information is used for underwriting property and casualty insurance contracts (property insurance, auto insurance, homeowners insurance, etc.); background checks, and other specific causes.<br /> <br /> <strong>ChoicePoint </strong>was purchased in February 2008 by <strong>LexisNexis </strong>which is the main provider of information solutions made particularly for professionals in the legal, finance &amp; risk management, government &amp; law enforcement, accountancy and educational markets.<br /> <br /> <span style="text-decoration: underline;"><strong>Insurance Information Contained in CLUE Reports</strong></span><br /> <br /> CLUE reports include information about insured people names, dates of birth, drivers license number, property address, property types &amp; VINs, individuals and claims nature and amounts paid over the past 7 years. No other sources of information, credit reports, criminal records, judgment or lawsuits are incorporated into C.L.U.E. reports.<br /> <br /> Insurers who submit information about their clients are allowed to use CLUE reports as well.&nbsp; If an insurer is not participating then they cannot provide or get information for such purposes.<br /> <br /> Insurance Companies use CLUE report on properties to issue <strong>homeowners insurance policy</strong>, for example, or vehicles to issue <strong>auto insurance policy</strong>. A CLUE report will show if a particular property suffered from fire loss or water damages or theft. Also, a CLUE report will show if Mr. Y has filed theft claims on his homeowner policy in what city and state. When it comes to <strong>auto insurance underwriting</strong>, insurance companies will be able to tell how many times a comprehensive claim (theft, water damage, hit and run, etc) were made against a particular vehicle or <strong><em>by a </em></strong>particular auto insurance applicant.<br /> <br /> Other organizations such as real estates brokers may use C.L.U.E. <strong>Home Seller's Disclosure Report</strong>,&nbsp; which may offer a real estate broker to achieve a greater comfort standard as they try to have a potential buyer making an offer on a property for which the loss history is known. Also, a CLUE can also car dealer show accidents for a particular vehicle. While CLUE reports are available for vehicles, the industry has substituted that with the more commonly used CARFAX.<br /> <br /> <span style="text-decoration: underline;"><strong>Limitations of Using CLUE Reports</strong>: </span><br /> <br /> Insurance companies can use CLUE reports only in of underwriting (issuing) a policy. This entails cases when the customers request insurance quotes or apply for auto or homeowners insurance.<br /> <br /> <span style="text-decoration: underline;"><strong>Wrong Data on CLUE</strong></span>. <br /> <br /> In some situations CLUE reports may contain inaccurate or simply wrong information. To correct&nbsp; that the party has to submit a written request to ChoicePoint, which is obligated by law to take corrective decision based on further verified information provided from the insurer. If no verified information is provided by insurer, ChoicePoint is obligated to delete the wrong entries. <br /> <br /> Individuals can also get a copy of their own CLUE reports or CLUE reports for properties they own by addressing LexisNexis. To order a copy of your/ your property claims history report, write, call or&nbsp; visit.<br /> <br /> LexisNexis Consumer Disclosure Center<br /> P.O. Box 105295<br /> Atlanta, GA 30348 <br /> <br /> Phone: 866.312.8076<br /> Web: https://personalreports.lexisnexis.com<br /> <br />urn:uuid:ea56d674-5a53-4290-924c-bc005f3582a4Types of Auto Insurance in Illinois Ed Snaneh, Illinois Auto Insurance&nbsp; Agent, Chicago Auto insurance policy is a legal contract between an insurance company and a person (individual, partnership, or a corporation), for a specific period of tim...Wed, 02 Nov 2011 12:41:31 -0500<h1>Types of Auto Insurance in Illinois</h1> <h2>Ed Snaneh, Illinois Auto Insurance&nbsp; Agent, Chicago</h2> <br /> <strong>Auto insurance policy</strong> is a legal contract between an insurance company and a person (individual, partnership, or a corporation), for a specific period of time, according to which the insurance company will pay for certain damages that the person causes by accident, subject to legal rules and other a number of terms, conditions and exclusion. The definition sets the ground for the breakdown of auto insurance classification. The following is a brief description of common types of <strong><em>Illinois auto insurance policies</em></strong>.<br /> <br /> 1. <strong><span style="text-decoration: underline;"><em>Personal Vs Business Auto Insurance.</em></span></strong> This is determined by the type of persons holding the insurance. If auto insurance is provided for the personal use of an individual then the <strong>auto insurance policy</strong> is classified as '<strong><em><span style="text-decoration: underline;">personal auto insurance</span></em></strong>.' However if the policy is sold for any person for business or commercial uses, or if the policy is provided for a corporation or partnership then the auto insurance must be based on business auto insurance, even if the use is personal (i.e., a corporation owns an auto that is offered for the personal use of its staff, in this case a business policy is needed to protect the corporation from lawsuits (corporations cannot be protected with personal coverage!)<br /> <br /> 2. <strong><span style="text-decoration: underline;"><em>Terms of Auto Insurance Policies</em></span></strong>. Auto insurance can be written for any specified period of time. The most common terms are semiannual (every 6 months) and annual. Most personal auto insurance policies are issued with 6 months terms, while the vast majority of commercial policies are issued with annual terms.<br /> <br /> 3. Pay for certain damages. Damages that the insured person may cause by negligent or accident includes the following:<br /> a. Bodily injury damages caused to others.<br /> b. Property damages caused to others.<br /> c. Bodily injury caused to self/ family members in an auto related accident.<br /> d. Property damage caused to own vehicle.<br /> <br /> <strong>Auto insurance policies in Illinois</strong> covering the above include: <ul> <li><strong>Auto liability insurance</strong> which takes care of the first two parts. In Illinois auto insurance is mandatory, and every registered motor vehicle must maintain an auto liability insurance coverage. </li> <li><b>Auto Medical Payment Coverage</b> will provide coverage for c above. This is an optional coverage in Illinois. </li> <li><strong>Auto Physical Damage</strong> covers the Collision and Comprehensive of own vehicle after a deductible. While this is a legally optional coverage and is not required by law, people who owe money to banks/ finance companies on vehicles are expected to provide proof of physical damage coverage on borrowed-against vehicles. </li> </ul> 4. Legal Requirements, other terms and conditions.<br /> <br /> <strong><span style="text-decoration: underline;"><em>Auto insurance policies in Illinois</em></span></strong> are subject to certain minimum requirements outlined by Illinois Insurance Codes. The most prominent requirement is the minimum state limits on liability insurance, which is $20,000 of bodily injury per person, $40,000 of bodily injury per accident, and $15,000 of property damage per accident. These are the minimum limits that any auto policy in Illinois can be issued with, offering protection for the insured people in the event they get sued for negligent accidents. Of course, there are several other provisions, terms, conditions, and exclusion attached to Illinois auto insurance policies.<br /> <br /> 5. <strong>High Limit Liability Auto Insurance Vs Low Limit Liability</strong>. Policies that are sold at State Minimum Limits are called '<strong>Low Limit Liability Insurance</strong>.' Many marketers call them '<strong>Low Cost Auto Insurance</strong>' and '<strong>Cheap Auto Insurance</strong>.' Companies that limit their offerings to State limits do provide no credit check auto insurance, and are mostly classified as 'non standard insurance companies, or substandard insurance companies.' <strong>High Limits Auto Insurance</strong> provides higher liability limits, typically $100,000/300,000/50,000 or higher, and is offered through standard and preferred carriers that, most likely, will check on applicant credit to determine the rate.urn:uuid:a95ec28f-5b62-4ff1-af0c-97a7b1c6d78fEffects of Smoking on Insurance Rates &amp; Premiums by Ed Snaneh, Illinois Health &amp; Life Insurance Agent in Chicago Smoking is a social habit that is perceived by many people as 'bad'. Studies have revealed that there is strong correlation betw...Tue, 01 Nov 2011 23:27:56 -0500<h1>Effects of Smoking on Insurance Rates &amp; Premiums</h1> <h2>by Ed Snaneh, Illinois Health &amp; Life Insurance Agent in Chicago</h2> <br /> Smoking is a social habit that is perceived by many people as 'bad'. Studies have revealed that there is strong correlation between smoking and a number of dangerous heart and lung diseases. Also, smokers have shorter life expectancy according to mortality rates prepared by professionals.<br /> <br /> From this it is clear that there is a correlation between smoking and certain insurance rates, especially insurance rates that are pertinent to people's health and life.<br /> <br /> <strong>Definition of Smokers in the Insurance Business</strong>. A very common definition of a&nbsp; 'smoker' in the insurance dictionary is <em>'any one who used, consumed or smoked any tobacco product, including chewing tobacco, pipes, hookah, or cigarettes in the past twelve months.'</em> In other words, if you&nbsp; smoked but quit smoking some 10 months ago you are still classified as a smoker, for insurance purposes. <br /> <br /> <em><span style="text-decoration: underline;"><strong>Smoking in Health Insurance</strong></span></em>. This is probably the most clear issue when it comes to the connection between <em><span style="text-decoration: underline;"><strong>insurance rates and smoking</strong></span></em>. Since people who smoke have higher morbidity (sickness) ratio then their insurance rates will be much higher for the simple fact that, generally speaking, smokers get sick more often than non smokers, and hence their healthcare costs paid by insurers are typically more for smokers than non smokers. Most insurers charge smokers 25% and higher because of their smoking habit.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Smoking in Life Insurance</strong></em></span>: Most studies indicate that non smokers outlives smokers by about 7 to 10 years, depending in age. Smoke cessation improves life expectancy by over 3 years or better if the smokers quit at age 60 or below. Clients of life insurance who smoke are expected to pay much more than those who do not smoke, perhaps 20% or more of the <span style="text-decoration: underline;"><em>'cost of life insurance'. </em></span>It should be noted that the effect of smoking is on the <strong><em><span style="text-decoration: underline;">'cost of life insurance'</span></em></strong> portion, and not the total premium of the life policy. Example: If the monthly premium of a&nbsp; universal life insurance policy is $110.00, of which is $15 as the <em>cost of life insurance</em> (and remainder for administrative &amp; sales fees, saving elements for insured, etc.) for someone who is non smoker, then another insurance policy for a person of same age, gender, health conditions, may experience an increase in <em><span style="text-decoration: underline;"><strong>life insurance premium</strong></span></em> that will be applied to the <em>cost of life insurance portion</em>, and not the overall <em>life insurance premium</em>.<br /> <h3>Smoking and Accidental Insurance</h3> Increased rates of health insurance for smokers is also applicable to <strong><span style="text-decoration: underline;"><em>disability income policies</em></span></strong> and any other insurance policies that are based on the health of the client. <em><strong>Some accidental insurance</strong></em> policies that pay the insured people if something happens to them, ie hospitalization or disability, specified health care benefit in case of accident (not disease), will not take the smoking status in account when tabulating the insurance premium. This is because of the fact that the chances that the insurer will pay a claim is based on chances of 'accidents' occurring, an accident that has nothing to do with smoking or the lack of it. A typical example of this is 'Occupational Accident' policies that pay all healthcare costs in the event of occupational accidents. <em><span style="text-decoration: underline;"><strong>Accidental life insurance policies</strong></span></em> and riders follow the same rules (smoking or not accidental life insurance charge the same because they pay only in case of an accident, not natural cause.)<br /> <br /> <span style="text-decoration: underline;"><strong>Smoking in Auto Insurance and Homeowners Insurance</strong></span>. Few companies do offer '<em>Non Smoker Discounts for auto insurance customers</em>' and <em><span style="text-decoration: underline;"><strong>Non Smoker Discounts for Homeowners</strong></span></em>. Most of these discounts are either symbolic or immaterial.<br /> <br /> People who were issued policies with smoking status, at higher premiums, can always request status and rate adjustment, after 12 or more months from smoking cessation date. This can be accomplished with a written request to company home office, although <em><span style="text-decoration: underline;">evidence of insurability</span></em> will be required at the time of making the request. This means that if someone was issued a policy with a smoker status, but later stopped and applied for a rate or status adjustment to Non Smoker, then the person my also have to be healthy (heart attack, diabetes, etc that may have come to the picture since the client originally took his/ her policy will be considered in the adjustment request!)&nbsp; In other words, if other health issues were worse than originally started the client may be better off keeping the same status without any status and rate adjustment.urn:uuid:57fb4aa4-b8bb-4092-8bcf-b1107f059ff0Semiannual Auto Insurance Policies Are Normally Better. by Edward Snaneh, Illinois Car Insurance Rates Expert in Chicago Insurance Navy, 300 N LaSalle St Ste 4925, Chicago, IL 60654 Clients normally wonder of which is better for them, annual policies...Sun, 30 Oct 2011 22:06:54 -0500<h2>Semiannual Auto Insurance Policies Are Normally Better.</h2> <h3><em>by Edward Snaneh, Illinois Car Insurance Rates Expert in Chicago</em><br /> Insurance Navy, 300 N LaSalle St Ste 4925, Chicago, IL 60654</h3> Clients normally wonder of which is better for them, <em><strong>annual policies or semiannual auto insurance policies</strong></em>. There is no exact and specific answer to this question, however there are certain factors that clients need to be aware of when deciding as if they want to purchase a yearly policy or semiannual policy.<br /> <br /> Generally speaking, semiannual policies are better for customers. The following factors need to be considered, though, when taking a decision about this choice.<br /> <br /> 1. Most <em><strong>auto insurance companies in Chicago Illinois</strong></em> offer '<em><strong>auto insurance renewal discounts</strong></em>' and '<em><strong>auto insurance transfer discounts</strong></em>' on the expiration date of the policy. This means that annual policies get this discounts after 12 months, while semiannual auto insurance policies get the discount sooner, after 6 months from the inception date of the policy.<br /> <br /> 2. For plans that charge <em><strong>car insurance policy fees</strong></em>, interest, and finance fees the amount of extra monthly charges may be higher for annual car coverage contracts. This is very true for policies with initial annual unpaid balance of over $1,000 ($500 semiannual).&nbsp; This is due to the structure of the premium payment schedules allowed by law, and to the fact that, generally speaking, the unpaid balances is spread over longer periods of time in the annual policies.<br /> <br /> 3. For <strong>comprehensive and collision coverage</strong> the premium imposed by most insurance companies is based on the <strong>actual cash value </strong>(known as <strong>ACV</strong>) of the vehicle. The <em>actual cash value</em> of the vehicle the value of the car after depreciation.&nbsp; Most insurers use specialized '<em>red books</em>' to determine the ACV to be used to charge customers premiums for comprehensive and collision.&nbsp; The ACV of the vehicles change periodically, perhaps 3 or 4 times a year, for lower amount most of the time. In other words, your car after 6 months is less than now, which means that your comprehensive and collision will go down after 6 months (for semiannual policies) and after 12 months for annual policies.<br /> <br /> 4. Convenience.&nbsp; People who like to pay off their <strong>car insurance premiums</strong> all at once may find it easier to go with 6 months policies because the premium is typically smaller than that of 12 months policies.<br /> <br /> 5. Certain companies may not allow semiannual policies for contracts that require <em><strong>financial responsibility filing</strong></em> known as <em><strong>SR22 insurance in Illinois</strong></em>.&nbsp; Most clients who seek <strong>SR22 insurance policies</strong> have no choice but to get annual policies.<br /> <br /> It is clear that semiannual policies may be the best choice for most people. However if you, the client seeking insurance, think that annual policies are better for you then ask you agent for his or her professional advice.&nbsp; Most agents are motivated to sell yearly policies because its longer commitment on the customer's side.urn:uuid:fc1c7ef7-6f28-46c1-a4f7-41dc465abbbfTroubles in The Horizon Surrounding Healthcare Reform by Ed Sneneh, Illinois Health Insurance Agent, Chicago Insurance Navy, 300 N LaSalle St, Ste 4925, Chicago, IL 60652 According to most recent polls by Kaiser Family Foundation (kff.org) concernin...Sun, 30 Oct 2011 00:52:43 -0500<h2>Troubles in The Horizon Surrounding Healthcare Reform</h2> <em><strong>by Ed Sneneh, Illinois Health Insurance Agent, Chicago<br /> Insurance Navy, 300 N LaSalle St, Ste 4925, Chicago, IL 60652</strong></em><br /> <br /> According to most recent polls by Kaiser Family Foundation (kff.org) concerning&nbsp; the <strong>Healthcare Reform of President Obama's</strong>, Americans support of the healthcare reform in October 2011 reached its lowest point since the law passed in March 2010, mostly&nbsp; because of changes in support for the law among Democrats.&nbsp; At the same time, the US House votes later this month to <strong>restrict healthcare law</strong>, with the support of the White House.<br /> <br /> The Kaiser's report which was completed later this October 2011 revealed that the American people who thought that the law will make no difference in their life reached 48% this month from 34%in September. The percentage of American families who felt that their life will be better off with the new reform dropped to&nbsp; 18% from 27%last month. Some Republicans said Thursday President Obama's last year's healthcare reform is especially harming married couples because the reform is making it difficult for married people get insurance subsidies.<br /> <br /> In another recent development, the U.S. House Thursday 10/27/2011 voted to <strong>limit eligibility for Medicaid</strong>, insurance exchanges and other areas&nbsp; of President Obama's <em><strong>healthcare reform legislation</strong></em>. Proponents of <strong>H.R. 2576</strong> thought that the vote will help ensure that Medicaid will not become so overstuffed and it will not reach insolvency, and that it will ensure that government resources are being used properly. Proponents also think that the new legislation would decrease US deficits by approximately $13 billion in the next 10 years.<br /> <br /> <strong>H.R. 2576</strong>, aiming at changing the computation of <strong>modified adjusted gross income</strong> in the determination of eligibility for some healthcare&nbsp; programs, is expected to affect about 1 million Americans with this restrictions, which, among other things, would include Social Security benefits as ordinary income in determining eligibility. Some of the Democratic party are not in agreement with the President and the White House on the vote.<br /> <br /> The House voted with 262-157 to restrict healthcare law, with the help of 26 Democrats. However, some Democrats, including Rep. Joseph Crowley, D-N.Y., are protesting the new vote stating that the original legislation was created to meet a specific need, and was not an accident.urn:uuid:2ed8ce18-b79b-483b-85e7-6a8853de27e9Things to Learn About the Federal Insurance Office by Ed Snaneh, Agent for Auto Insurance in Chicago Illinois 4717 N Pulaski Road, Chicago Illinois 60630 President Obama under the 2010&rsquo;s Dodd-Frank Wall Street Reform Act, has created a new fed...Thu, 27 Oct 2011 02:28:26 -0500<strong>Things to Learn About the Federal Insurance Office<br /> by Ed Snaneh, Agent for Auto Insurance in Chicago Illinois</strong><br /> 4717 N Pulaski Road, Chicago Illinois 60630<br /> <br /> <em>President Obama</em> under the 2010&rsquo;s <strong>Dodd-Frank Wall Street Reform Act,</strong> has created a new federal agency known as the <em><strong>Federal Insurance Office </strong></em>(FIO), basically to watch insurance companies and to present data to Congress on issues related to reforming the financial markets. The new <strong>Federal Insurance Office</strong> FIO will have no authoritative powers. <br /> <br /> The objectives of the <span style="text-decoration: underline;"><em><strong>Federal Insurance Office</strong></em></span> include the following:<br /> <ul> <li>Advises the US Treasury on major federal and international insurance policy issues.</li> <li>Monitors all facets&nbsp; of the insurance industry, including the availability of affordable insurance to the underserved localities and insurance shoppers.</li> <li>Assists in the administration of the <strong>Terrorism Risk Insurance Act</strong>.</li> </ul> <br /> US Congress provided the <strong>Federal Insurance Office</strong> with the power to diagnose matters and gaps in the insurance legislative bodies, or issues that may contribute to a systemic crisis in the insurance industry. The Federal Insurance Office will&nbsp; make recommendations to the Financial Stability Oversight Council pertaining regarding certain&nbsp; insurance companies that should be subject to supervision of the Federal Reserve's Board of Governors.<br /> <br /> The initial objectives of the FIO would be to expand federal level knowledge of state-related insurance legislative.&nbsp; At the present time state insurance offices are the main legislators for the insurance industry for more than a hundred year. Recently FIO Chairman, <em><span style="text-decoration: underline;"><strong>Michael McRaith </strong></span></em>made statements to reassure state legislators that his office is not and cannot be a full-fledged insurance regulatory body. The latest statements of McRaith were made in&nbsp; front of the House Financial Services Subcommittee on Insurance. &nbsp;<br /> <br /> However, <strong>Mr. McRaith</strong> evaded answering the question of whether or not the 'Consumer Financial Protection Bureau' should be granted authority over insurance issues by stating that it would 'inappropriate for me to comment at this time.' Also a product of massive legislative response to the financial meltdown of 2008, will police the market for money on behalf of savers and borrowers. The Bureau, part of the of the 2010 Dodd-Frank Wall Street Reform Act,&nbsp; is believed to have future plan to extend its power to a wide range of financial services, beyond mortgages and real estate to include credit and debit cards, consumer loans on cars, payday loans, credit reporting agencies, debt collectors agents and other financial advisory services, to mention a few. <br /> <br /> Jimi Grande, one of the senior vice presidents of the National Association of Mutual Insurance Companies (NAMIC) welcomed Mr. McRaith remarks stating that Mr.&nbsp; McRaith's statements indicate&nbsp; that he has an understanding of the role the Federal Insurance Office was created to fill.<br /> <br /> <strong>Illinois Connection</strong><br /> <br /> <em>Michael McRaith</em> is the former chairman of the <strong>Illinois Department of Insurance</strong>. Mr. McRaith stated&nbsp; that the <em><span style="text-decoration: underline;"><strong>Illinois Department&nbsp; of Insurance</strong></span></em> is 'responsible for highly technical solvency regulation as well as direct interaction with both business and individual insurance consumers,' according to an interview with the <a href="http://www.treasury.gov/connect/blog/Pages/Five-Questions-with-Michael-McRaith.aspx">US Treasury</a>.urn:uuid:e502719f-cbaf-43c3-a1d5-20c58db7aa85by Ed Sneneh, Chicago Car Insurance Agent Insurance Navy, 4717 N Pulaski Rd, Chicago, Illinois, 60630 What is so special about auto insurance for part time or good students, and is there really something called student auto insurance?&nbsp; The dire...Wed, 26 Oct 2011 01:20:02 -0500<strong>by Ed Sneneh, Chicago Car Insurance Agent</strong><br /> <em>Insurance Navy, 4717 N Pulaski Rd, Chicago, Illinois, 60630</em><br /> <br /> What is so special about auto insurance for part time or good students, and is there really something called <strong>student auto insurance</strong>?&nbsp; The direct answer to this question is 'No.' There is no such thing called '<strong>student auto insurance</strong>' or even <strong>auto insurance for students</strong>. So what's the story behind these brands?<br /> <br /> Like all other fields, the <strong>auto insurance industry</strong> relies on marketing techniques to reach its present and potential customers. Branding auto insurance in a 'student' package is a strategy that marketers call '<strong>insurance market differentiation</strong>' . In other words, insurance companies and agents use this term to 'package' regular car insurance to students in order to appeal to their taste and needs.<br /> <span style="text-decoration: underline;"><strong><br /> Characteristics of Student Car Insurance</strong></span><br /> <br /> The main characteristics of <strong>car insurance for students </strong>are exactly similar to the regular insurance for the general non-student population. However, insurance companies and agents provide special attention to the special needs of students, such as:<br /> <br /> <ul> <li><em><span style="text-decoration: underline;"><strong>Good Student Discounts</strong></span></em>. Those who maintain high GPAs (ie B or better, for example) may get some discounts from certain, and not all, insurance companies. Many companies may apply <strong>good student discounts</strong> to only certain aspects of the coverage on the specific car that is assigned to that student. For example, if <strong>Good Student Discount </strong>is 10%, and we have a policy with a total of $1,310 every six months of which is $325 for the liability of the vehicle driven by the good student on the policy, then the discount will apply to the premiums levied on the student's vehicle, not the entire premiums. Note that all companies require proof of 'good student' such as school report card.</li> <li><em><span style="text-decoration: underline;"><strong>Student Away from Home Discount</strong></span></em>. Certain insurance companies may give discounts of 10% or 15% of premiums of vehicles assigned to part time, occasional student drivers who reside 100 miles or more from the garaging locations of insured vehicles, with no direct access to the vehicles on the policy. Again, the discount rate applies not to the total premiums of the policy, but to the vehicle assigned tot that student driver.</li> </ul> <br /> To promote their insurance products, insurance agents and agencies use the terms that appeal effectively to the 'target market.' Whether there is really <strong>special auto insurance for students </strong>is disputed.&nbsp; Students should not focus on the name or title of package, but, like all other market segments, they should focus on the need and price of the <strong>car insurance policies</strong> offered to them. <br /> <br /> Students are encouraged to shop and get quotes from several sources. <strong>Comparison of auto insurance quotes</strong> should be based on the following:<br /> <ul> <li>The need of the student driver</li> <li>The budget of the student driver, and </li> <li>The quality of insurance services offered by company and agent.</li> </ul> <br /> Students need insurance like every one else to comply with the law and to meet their social and legal&nbsp; obligations to the society (social and financial responsibility needs.) Unlike wealthy individuals, students may not need very high liability limits; high limits that are meant to protect one's wealth, including potential wealth.<br /> <br /> Student budget is another issue. Unlike other people with good incomes students have limited incomes and, for that reasons, lots of extra coverages that may be included in the regular auto insurance (towing, rental, bond cards, etc.) are perhaps unjustified. <em><span style="text-decoration: underline;"><strong>Cheap auto insurance for students </strong></span></em>is one of the most appealing aspect of auto insurance marketing.<br /> <br /> Quality of insurance company offering the insurance and the services of the agent should be the focus of all insurance shoppers, including students. Several institutions including GD Power, AM Best, local Better Business Bureau, online reviews, etc may offer some indications about the quality of services of insurance companies and agencies.urn:uuid:b76e1913-1655-491c-b623-f4b296cde156Differences Between BOP and CPP Contracts A Business Owner Policy, often known as BOP, is business insurance contract which actually combines a few important coverages needed by a business owner in one package. A Business Owner Policy is primarily m...Tue, 25 Oct 2011 02:04:04 -0500Differences Between BOP and CPP Contracts<br /> <br /> A <span style="text-decoration: underline;"><strong>Business Owner Policy</strong></span>, often known as <strong>BOP</strong>, is business insurance contract which actually combines a few important coverages needed by a business owner in one package. A <strong>Business Owner Policy</strong> is primarily molded from two major coverages; (1) <strong>Commercial Property Coverage</strong>, on buildings and business content together with, (2) the Commercial General Liability coverage, which is also called CGL. Other than these two key coverages there are additional basic coverages which are conveniently offered by the majority of <strong>Business Owners Policies</strong> like, for example, <span style="text-decoration: underline;"><em><strong>Crime Coverage</strong></em></span> (robberies or safeburglary), in addition to <span style="text-decoration: underline;"><strong>employee dishonesty insurance</strong></span>&nbsp; (thievery or embezzlement made by staff members), external business advertising signs, and also income losses because of covered loss, also referred to as <strong>Business Interruption Insurance</strong>.<br /> <br /> Few <strong>business owner policies</strong> may offer the possibility to put more coverages for extra premium money. The additional coverages may very well include <em><strong>professional liability insurance</strong></em>, <em><span style="text-decoration: underline;"><strong>auto liability insurance</strong></span></em> on vehicles operated but not owned by the business or employees for business purposes (a coverage known as <em><span style="text-decoration: underline;"><strong>Hired and Non owend Auto</strong></span></em>), <em><span style="text-decoration: underline;"><strong>employment practices insurance</strong></span></em>, <em><span style="text-decoration: underline;"><strong>Directors and Officers coverage</strong></span></em>, <em><strong>f<span style="text-decoration: underline;">lood insurance</span></strong></em> and more. Dependant on the additional risks the business owner might need to meet,&nbsp; an owner of business and the insurance company can make preparations on additional&nbsp;components to be added the original package.<br /> <br /> <br /> Alternatively a<span style="text-decoration: underline;"><em><strong> commercial package policy</strong></em></span> commonly known as <span style="text-decoration: underline;"><em><strong>CPP,</strong></em></span> is a "compilation of a number of 'monoline' insurance policies". It is a custom-made insurance package that&nbsp; provides two or more coverages opted by the owner of the business. It may possibly encompass only commercial liability and building coverages, for instance; or as a 2nd example, commercial general liability and business content; without the special coverages offered by the business owner policy such as business interruption, or crime insurance. These added coverages can be integrated with the Commercial Package Policy but at additional premiums, as opposed to the BOP. The total premiums for the CPP is the totals costs for all the monoline plans integrated in the package, with some premium allowance made.<br /> <br /> <br /> <strong>Business Owner Policies</strong> were firstly progressed in the late 70s and have grown to be very&nbsp; standard style of commercial insurance for small-scale to mid sized ventures. BOPs integrates selected number of basic coverages necessary by a regular small or medium business into a standard policy at a cost that is often less than would be required to by those coverages&nbsp; individually, as in a Commercial Package Policy. Owners of businesses also love the simple style of the <strong>Business Owner Policy</strong> compared to buying a variety of small policies. The efficiency of the BOP also attracts insurance providers and allows them to supply a lower rate premium for the policy.<br /> <br /> <strong>Business Owner Policies</strong> are not offered to all varieties of businesses. Depending on its 'appetite', an insurance company may or may not be willing to write BOPs for certain enterprises. For example, Insurer X may be keen to write BOPs for stores of tobacco this year, while Insurer Y may possibly not be interested to underwrite Business Owner Policies&nbsp; to the same type of businesses, but would instead be open to write only Commercial Package Policies. In the future, appetite could be reversed, and in the farther future there is a probability that neither company will be providing any BOP or CPP for this kind of business.<br /> <br /> Neither BOP nor CPP may contain any workers compensation coverage or primary auto coverage added to them, with or without additional premiums. These to coverages are better provided under separate policies.&nbsp;urn:uuid:6efad87b-b700-4816-880c-dbfc1886e7dfby Edward Sneneh, Illinois Insurance Specialist in Chicago Insurance Navy, 4717 N Pulaski Rd, Chicago, IL 60630 Why do insurance policies have exclusions? Do insurance policies have certain common policy exclusions? All insurance contracts, includin...Sat, 22 Oct 2011 01:48:42 -0500<strong>by Edward Sneneh, Illinois Insurance Specialist in Chicago<br /> Insurance Navy, 4717 N Pulaski Rd, Chicago, IL 60630</strong><br /> <br /> Why do insurance policies have exclusions? Do insurance policies have certain common policy exclusions? All insurance contracts, including auto insurance policies, seem to have common policy exclusions that apply to the contract. An exclusion is a situation which allows the company rightly not to pay claims. Specifically an exclusion is a provision in the contract that terminates coverage for certain conditions, properties, damage nature or locations of loss. For example, in the personal auto insurance policies there is an exclusion if an accident occurs while the vehicle is being used for commercial or business purposes.<br /> <br /> There are several areas where coverage exclusions are expected in the policy. These exclusion come from the following situations:<br /> <br /> <strong>1. Catastrophic Losses and Damages. </strong>A catastrophe is an infrequent happening&nbsp; or scenario&nbsp; that results in unproportionally&nbsp; large losses.&nbsp; Flood and nuclear war are prominent examples of catastrophic losses.&nbsp; If they happen larger losses may take place, losses that are beyond the capability of many private insurance companies. Catastrophic losses are excluded from almost all insurance contracts issued by private insurers. Normally government sponsored insurance plans will provide coverage for those.<br /> <br /> <strong>2. Expected Losses. Wear and tear losses</strong> such as transmission problems, flat tires, leaking old roof,&nbsp; inoperative cooler compressors, etc. are examples of wear and tear that are typically excluded from almost all insurance contracts. While loss related or resulted from wear and tear is not covered under insurance policies but some warranties (not insurance) may cover those. A loss that is not accidental (sudden and forceful) is not covered.<br /> <br /> <strong>3. Speculative Risks.</strong> Speculative risks refer the situations when there are two outcomes for an event, profit or loss. Example is investing in the stock markets or real estate. Property value may go up and down for a real estate investor or business. While a real estate investor will suffer loss if value of the real estate goes down this loss is normally not covered by normal&nbsp; insurance policies. Some insurers may however offer insurance for speculative risk, but this is not the norm.<br /> <br /> <strong>4. Coverage is Expected Somewhere Else</strong>. An auto is expected to be covered under an auto insurance policy, and personal computer is expected to be covered under a home policy. If your laptop is stolen from your auto while parking, no coverage is expected under an auto policy.<br /> <br /> In many insurances companies may have specific exclusions included with or without the consent of the client. Insured people are encouraged to read their policies and look for phrases such as 'does not include', 'excluding', 'Unless', 'except',&nbsp; 'only if' or 'subject to' It is very critical that all insured people read and understand the definitions listed in their policies, terms and conditions and the exclusion sections.<br /> <br /> The most important part however is the<strong> insurance declaration pages </strong>which summarize the times and dates of coverage, what is covered and where, the amount of coverage, and other vital details about the insured and the insurance company.urn:uuid:2bc6afd2-4855-46ea-8dfd-9e1c258ce14cby Ed Sneneh, Illinois Property Insurance Expert in Chicago Insurance Navy, 300 N LaSalle, Ste 4925 Chicago, IL 60654 What is Ordinance of Law Coverage and Exclusion? When people lose their property they assume that the insurance company will pay w...Fri, 21 Oct 2011 23:24:57 -0500<strong>by Ed Sneneh, Illinois Property Insurance Expert in Chicago<br /> Insurance Navy, 300 N LaSalle, Ste 4925 Chicago, IL 60654<br /> </strong><br /> What is Ordinance of Law Coverage and Exclusion?<br /> <br /> When people lose their property they assume that the insurance company will pay whatever it takes to replace their lost property. This may not be true if the property is insured under the<em><strong> Actual Cash Value</strong></em> (ACV) method. If the base of insurance is <em><strong>Replacement Cost</strong></em> then the company will pay whatever it takes to replace the damaged property. In the Actual Cash Value approach, the AVC is calculated as <strong>Replacement Cost</strong> minus Depreciation on the property. <em><strong>Property Depreciation</strong></em> is the loss in the value of the property (building, business property, fixtures, etc.) over time&nbsp;due to wear and tear or due to the deterioration of the physical conditions or age, or any combination of those.<br /> <br /> Regardless whether the property insurance is based on ACV or <strong>Replacement Cost</strong>, the insurance company replacement value doesn&rsquo;t mean upgrade cost. Almost all property insurance contracts typically have a general exclusion called <strong>'Ordinance of Law' exclusion</strong>. <strong>Ordinance of Law exclusion</strong> means that the <strong>property insurance</strong> contract covers the structure of the building&nbsp; and it does not cover the cost to improve the building to current legal statutes and ordinances of laws after a specific property loss.<br /> <br /> <strong>Examples of Ordinance of Law</strong>: A municipality may change its ordinance for new single family construction in certain subdivisions to be 3,000 square feet or larger, or to have a fully automatic sprinkler system for any newly constructed strip malls over 10,000 square feet. An insurance company may be facing significantly larger exposure when it insures a single family house of 1,000 square foot in that subdivision, or a non-sprinkled strip mall in that municipality. In the event of total loss for either property the amount needed to rebuild the house or the strip mall will be significantly higher than the replacement cost of the original structures.<br /> <br /> <strong>Ordinance of Law</strong> is one of the major terms in <strong>property insurance</strong>. Some insurance specialists think that ordinance of law is a <strong>peril </strong>because of the fact that the law (or ordinance) is what is going to cause the financial loss to the company. Others think that <strong>Ordinance of Law</strong> is a hazard because the state of being 'out of code' enhances the amount of loss and the probability that a peril will take place.<br /> <br /> Many people think that this coverage is valuable for owners of older buildings. This belief is not necessarily true. Construction and zoning laws and ordinances do frequently change and their changes apply equally to old and new buildings.&nbsp; For that reason, the coverage is important to have for all properties. <br /> <br /> <strong>Ordinance of law coverage</strong> will allow you to extend your protection to the <strong>undamaged portion of the property</strong> in case of fire or any other loss, where the undamaged portion needs to be brought up to the legal codes. Bringing up the undamaged portion of the property may actually require demolition of the undamaged property or its upgrade, things that are not covered if the Ordinance of Law coverage is not included. Also, additional features like sprinkler systems, elevators, wiring, plumbing and septic systems, that were not present in the old construction but must be included now will all be covered.urn:uuid:536aa03e-c305-4dd7-90e0-9f2fe46f16d2by Ed Sneneh Financial planning for individuals and businesses have never been in need more than times like those, times of recession. While people need planning in good time, proper planning in bad time is even more critical. Confidence in Retire...Wed, 19 Oct 2011 22:59:04 -0500by Ed Sneneh<br /> <br /> Financial planning for individuals and businesses have never been in need more than times like those, times of recession. While people need planning in good time, proper planning in bad time is even more critical. <br /> <br /> <strong>Confidence in Retirement Drops Sharply </strong><br /> <br /> A recent report on retirement published by&nbsp; Sun Life Financial (sunlife.com) revealed a number of interesting and alarming issues in the United States.&nbsp; Among the main findings of that report was the sudden and sharp drop in the confidence of the American people in retirement.<br /> <br /> Confidence of the Americans in retirement dropped drastically to a record low of 36% by September 2011, from 44% a year earlier. This decline was the result of the total decline in confidence in the economy, personal finance, personal health, government benefits, and employees benefits. Confidence in the employee benefits was the hardest hit, lower 31% in the past 12 months. The number of Americans who felt &ldquo;Not at all confident&rdquo; that they will be able to pay for basic living expenses in retirement has doubled from 14% in September 2010, to 28% in September 2011. This lack of confidence was parallel in receiving Social Security &amp; Medicare benefits comparable to today&rsquo;s retirees which plummeted from confidence level of about 15% to 9% for the same period of time.<br /> <br /> According to numbers from different studies about one third of people with 401K and other retirement&nbsp; plans stopped putting money into their retirement accounts. And, one in five workers prematurely withdrew funds from those retirement accounts.&nbsp; These two factors have further negatively impacted&nbsp; the confidence in retirement.<br /> <br /> The percentage of Americans who contemplated delaying their retirement because of the economic conditions by 3 or more years jumped from 43% in December 2008 to 61% in September 2011.&nbsp; People who expected to be working at the retirement age of 67 dropped from half&nbsp; in December 2008 to about one third in September 2011, and those who see themselves working full time at retirement age rose form 19% to 29% for the same period of time. The age group that witnessed the sharp increase in the expectation to have full time employment were people age 60 to 66 years.<br /> <br /> Not surprisingly, the economic downturn was a significant factor that resulted in these new trends. The number one reason for <strong>delaying the retirement</strong> was to earn more money to live. Most other reasons such as "staying active, staying social, keeping health benefits, concerns about social security," remained steady with the exception of "love own work" where there was a drastic decrease in ' I love my career/not ready to end my career" t o only 10% in September from about 19% a year before! <br /> <br /> <strong>Work Till Drop</strong><br /> <br /> One in five Americans indicated that they perhaps will work till they drop, and that they plan never to retire. According to other recent studies about 39% of Americans do not when they will retire, or refuse to retire! Only 29% of Americans think they will retire before age 67 years! More people are spending less in entertainment and eating out, cutting back on holiday gifts and postponing large purchases, canceling travel and vacation time, and even delaying routine and elective health procedures.<br /> <br /> The numbers above reveal the importance of financial planning for individuals and businesses. No one plans to fail in his/ her life, but people fail to plan, and that's why eventually many fail.urn:uuid:2712ef5f-ad9d-4646-b06c-bdb1cc7d62fbby Ed Sneineh, Illinois Insurance Agent Insurance Navy, 300 N LaSalle St, Sute 4925, Chicago, IL. 60654 Illinois Insurance Codes identify three types of insurance companies. They include Domestic Companies, Foreign Companies and Alien Insurance Comp...Sun, 16 Oct 2011 20:44:54 -0500<p>by Ed Sneineh, Illinois Insurance Agent<br /> <span style="text-decoration: underline;"><em><strong>Insurance Navy, 300 N LaSalle St, Sute 4925, Chicago, IL. 60654</strong></em></span><br /> <br /> Illinois Insurance Codes identify three types of insurance companies. They include Domestic Companies, Foreign Companies and Alien Insurance Companies. This article is to offer brief description of each type. </p> <p><em><span style="text-decoration: underline;"><strong>Domestic Insurance Companies </strong></span></em>are business entities that have been are domiciled in the state of Illinois. Domestic insurance companies can be either Stock Companies or Mutual Companies, and each type is subject to slightly different capital and reporting requirements per the law. The main difference between Mutual Insurers and Stock Insurers lies in the nature of owning shares. In the case of Stock Insurers, any investor who has the money may purchase stocks of that company in the financial markets, hence becoming an owner with certain rights to vote for the Board of Directors of that insurer. The Board of Director, in this case, is usually aiming at maximizing the networth (short and long term profit of the investor shareholders).</p> <strong>Mutual insurance companies</strong> have shares that are owned by the insured people. Although they may offer bonds and certain types of preferred stocks that are debt in nature, people who own the mutual insurers are the actual insured people, who also posses the right to elect the Board of Directors. In this case, the Board of Directors will normally aim at making the insured people happy, by maximizing their dividends (return of premiums, indeed.) &nbsp;There are different tax treatment for 'profit' &nbsp;received by the shareholders from sock companies and mutual companies.Many famous insurers stated as mutual companies and converted later to stock companies for several legal and financial considerations. The State of Illinois insurance codes, like in all other states, have provisions that mandate the processes and procedures for the conversion, subject to the State of Illinois Statute. <p><em><strong>The State of Illinois Insurance Code</strong></em> identifies two other companies, Foreign and Alien Insurers. <em><span style="text-decoration: underline;"><strong>Foreign Insurance Companies </strong></span></em>are those domiciled in another state of the United States but are doing business in Illinois. <em><span style="text-decoration: underline;"><strong>Alien Insurance Companies</strong></span></em> are insurers operating in Illinois &nbsp;that are domiciled in a foreign country. Illinois insurance codes set certain requirements for both foreign and alien companies in issues related to the offering that these companies can present to their Illinois customers, capital requirements, as well as compliance requirement with the Illinois Insurance Code.</p> <em><span style="text-decoration: underline;"><strong>Admitted Vs Non Admitted Insurers</strong></span></em>. Insurance companies that have their market conducts, rates, and policy forms monitored or approved by the Illinois legislators are referred to as 'Admitted Insurers.' &nbsp;Normally these companies contribute to a state sponsored <em>guaranty fund</em> which will provide help to the insured people in the event that one of these companies go bankrupt, hence cannot pay claims. Non admitted Insurers refer to insurance companies that do not have their rates, conducts, or policy form subject to insurance regulators, and their is no rule for the <em>guaranty fund</em> in supporting the public claims for any insolvent insurer. <span style="text-decoration: underline;"><em>Non admitted insurers are normally <strong>not unable</strong> to get their license in Illinois,</em></span> but rather they <em>choose</em> to operate on as &nbsp;unlicensed, 'surplus line' insurers because this gives them more flexibility. <p><span style="text-decoration: underline;"><em><strong>Surplus lines Insurance policies</strong></em></span> sold in Illinois &nbsp;from unauthorized insurers, other than <strong>domestic surplus line insurance companies</strong>, must have imprinted on the first page thereof in not less than 12-pt. bold font the following statement:</p> <p><em>&nbsp;<strong>"Notice to Policyholder: This contract is issued, &nbsp;pursuant to Section 445 of the </strong><strong>Illinois</strong><strong> Insurance Code, by a company not authorized and licensed to transact business in </strong><strong>Illinois</strong><strong> and as such is not covered by the </strong><strong>Illinois</strong><strong> Insurance Guaranty Fund." </strong></em></p> <p>Insurance policies issued this section from domestic surplus line insurance companies as defined in Section 445a shall have the following legend printed on the first page of the policy:</p> <p><em><strong>"Notice to Policyholder: This contract is issued by a domestic surplus line insurer, as defined in Section 445a of the </strong><strong>Illinois</strong><strong> Insurance Code, pursuant to Section 445, and as such is not covered by the </strong><strong>Illinois</strong><strong> Insurance Guaranty Fund."</strong></em></p>urn:uuid:db32a95d-b89e-4328-b94e-d7ec5eaff924by Ed Sneneh, Chicago Auto Insurance Specialist Insurance underwriters are already using the internet in gathering lots of information about insurance subjects. This use is dramatic since the internet debuted in the last 15 years. The use of the int...Sat, 15 Oct 2011 21:54:36 -0500<em><strong><span style="text-decoration: underline;">by Ed Sneneh, Chicago Auto Insurance Specialist</span></strong></em><br /> <br /> Insurance underwriters are already using the internet in gathering lots of information about insurance subjects. This use is dramatic since the internet debuted in the last 15 years. The use of the internet by the insurance industry is still going through lots of challenges and updates. More intelligent work is needed before the insurance industry can reap the full potential of the internet.<br /> <br /> <strong>Use of Internet In Insurance Underwriting</strong><br /> <br /> Insurance companies are now collecting information about insurance subjects from internet sources. Some of these sources may be very official and significant in authority while others sources may be unsubstantial and unsupported.<br /> <br /> Property and casualty insurers may get details about vehicles from official websites such as county assessors websites, Carfax, Google earth, and other similar websites. While some of these websites may not be accurate (old Google earth of a ramshackle building) the information could offer significant amount of information that underwriters (people who actually approve policies) need before a policy is issued. For example, a Google Earth could indicate that a garage has a huge storage yard, besides the main building, that is full of trucks, which the garage owner(s) may have forgot to disclose that storage yard on the application.<br /> <br /> Many homeowners insurance companies can get significant information about houses they insure such as square footage, age of the house, construction materials and surroundings of the house.<br /> <br /> Health and life insurance companies are getting their information through the internet with Medical Information Bureau and other confidential sources with the proper consent of the customers.<br /> <br /> <strong>Using Internet in Insurance Claim Service</strong>s<br /> <br /> Out of the US population who use the internet, about 3 out of 4 people age 18 to 29, 1 in 2 of people age 30 to 49 uses social media, and 1 in 4 people over age 50 years are using social media such as Facebook, Twitter, and Linkedin. Discovering &ldquo;hidden data relationships in social media&rdquo; as some specialists call it is one of the goal of insurance specialists who study social media and use the data in either substantiating legitimate claims, discovering discrepancies in claims, or even discovering false and frivolous claims.<br /> <br /> Collecting and using private information collected on social media is facing several technical issues, ethical concerns and legal challenges as well. Solving the technical issues and bypassing the privacy setting of the users may not be the big challenge. However the ethical and legal aspects remain core concerns when it comes to using social media in claims processing. The fundamental challenge is to come up with a system that proves 100% and without any doubt that the profile of John Doe on Facebook refers to the real claimant of John Doe who has an auto insurance claim pending. <br /> <br /> <strong>Using Internet in Insurance Communication/ Data Processing</strong><br /> <br /> Not long time ago it took the average independent agent some week or so to get a price for a commercial insurance package or to receive a declaration page on an auto insurance policy after it was requested by fax. The old days are gone. Independent insurance agents can now order customers MVRs, CLUE reports, compare insurance rates, issue policies, endorse policies, and even deliver policies all through the internet. The internet has crashed the time necessary to issue policies and deliver them to customers perhaps to only 10% of the time that was necessary some 15 years ago! That is a significant savings in terms of payroll, postage, and other administrative costs.<br /> <br /> It is clear that technology, including the internet, is significantly affecting our social, political, economic, and financial life. The world is becoming smaller, and knowledge is spreading faster than what it was originally thought. Customers need to be aware that using the internet has significant effect on their privacy. What you write to your soulmate on Facebook Wall may not be a private issue any more, and may be used against you in the court of law!<br /> --<br /> Insurance Navy 300 N LaSalle St Ste 4925 Chicago IL 60654urn:uuid:c4133aec-1c17-47e6-8335-ac3a34696946 by Ed Sneneh, Illinois Workers Compensation Insurance Specialist The California State Compensation Insurance Fund surprised many people recently when official said that they will be laying off between 1,500 and 1,800 staff members. But this did not...Sat, 15 Oct 2011 21:49:31 -0500<div class="msg-body inner undoreset" id="yui_3_2_0_1_131873090474285"> <em><span style="text-decoration: underline;"><strong>by Ed Sneneh, Illinois Workers Compensation Insurance Specialist</strong></span></em><br /> <br /> The California State Compensation Insurance Fund surprised many people recently when official said that they will be laying off between 1,500 and 1,800 staff members. But this did not come as a surprise to many people who understand the mayhem that the workers compensation industry has been going through since 2005. The decision of the California State Compensation Insurance Fund is probably going to be followed with more similar decisions across the United States.<br /> <br /> The continuing decline in the economic activities, slow income growth, and staggering unemployment is pushing both real and nominal wages down. <strong>Workers compensation premiums</strong> are calculated based on wages paid. Since the harder to insure, and more premium paying, industries such as transportation and construction, were hardest hit, the workers compensation insurance industry is being significantly affected by these economic trends.<br /> <br /> The impact of these changes on the average consumer is perhaps negligible. Regular insurance customers will not see an increase or decrease in the rates of workers compensation. The sectors that will be affected by this would include:<br /> <br /> 1. Insurers that focus primarily on offering workers compensation. <strong>Liberty Mutual Insurance Company</strong> and its subsidiary <strong>Wausau Insurance Company</strong> are the biggest provideds of workers compensation in the USA.<br /> 2. State sponsored pools, <strong>workers compensation trusts</strong>, and other workers compensation insurance intermediaries brokers and agents.<br /> 3. Sectors that provide support services to the workers compensation insurance industry such as rehabilitation services, chiropractor services and other medical and non medical services affiliated with the workers compensation industry.&nbsp; <br /> <br /> While <strong>workers comepnsation insurance</strong> is mandatory, employment rates and wages paid to workers will be crticial to the health of the segment of the insurance market. Also, less workers compensation premiums (and coverages) mean potentially more claims on health insurance policies, and perhaps to a lesser extent on commercial auto insurance policies, due to the lack of workers compensation.<br /> <br /> Other segments that may be affected by the decline in the <strong>workers compensation premiums</strong> is the occupational accidents insurance. More business may go to the route of purchasing an occupational accident policy (occ/acc) as an alternative to workers compensation. <br /> <br /> ---<br /> Insurance Navy, 300 N LaSalle St, Ste 4925, Chicago, IL 60654<br /> </div>urn:uuid:e6e38ddb-46d6-4bdf-bbb7-41fe54473000by Ed Sneneh, Illinois Car Insurance Rates Specialist in Chicago Insurance Navy, 4717 N Pulaski Rd, Chicago, IL 60630&nbsp; Phone (773) 478-3700 Several insurance companies advertise the concept of 'low cost auto insurance rates' and other use 'low ...Thu, 29 Sep 2011 23:36:37 -0500<em><strong>by Ed Sneneh, Illinois Car Insurance Rates Specialist in Chicago</strong></em><br /> Insurance Navy, 4717 N Pulaski Rd, Chicago, IL 60630&nbsp; Phone (773) 478-3700<br /> <br /> Several insurance companies advertise the concept of '<strong>low cost auto insurance rates</strong>' and other use <strong>'low car insurance rates'</strong> in the marketing campaigns. But are these rates really low or the actual cost of the automobile insurance really low? The answer depends on the definitions that you, the customers, attribute to the phrase 'cost.'<br /> <br /> The financial or accounting definition of 'cost' in the mind of most consumers is the final price tag place on the product or service. So if&nbsp; an '<strong>auto liability insurance policy</strong>' with company A costs $200.00 every six months and another '<strong>auto liability insurance policy</strong>' with Company B costs $250 every six months then company A has lower cost. This definition of '<strong>low cost car insurance</strong>' is probably the most widespread definition among people. For many people who have more educated knowledge of proper financial terminology definitions the phrase 'cost' is not related to the above mentioned scenarios.&nbsp; The above scenario is only related to the <span style="text-decoration: underline;"><em>price</em></span> of a particular product. Some people call the above the '<strong>accounting cost of auto insurance</strong>,' or the '<strong>financial cost of auto insurance</strong>.' The cost in the economic jargons is something else. For that reason there are lots of problems embodied in this definition.<br /> <br /> <strong>Definition of Economic Cost:</strong> The phrase <span style="text-decoration: underline;"><em>cost</em></span> from economists' perspective is the total value for all sacrifices that the consumers put forth in the in process of acquiring a product and services. This includes the price of the service plus opportunity cost attached to it.<br /> <br /> The <strong>auto insurance premium</strong> is the amount that you are required to pay in return for a promise to offer a future service in the future. So the price you pay is in exchange for the value of certain services that may or may not take place in the future (compensation for accidents, claim services, etc.). The problem here is that the cost of the future services is pretty much variable. So while company A may settle your claim against an uninsured motorist after 5 days and paper work of 3 hours with $50,000 bodily injury paid for your $70,000 medical bills, company B may take 5 months to settle a claim and 35 hours of paper&nbsp; and other documentation &amp; phone time, and may pay you only $20,000 for the same bills resulted from the uninsured motorist. As you can see the cost of company B is significantly lower, <em><span style="text-decoration: underline;">only</span></em> if there is a no not-at-fault auto accident with an uninsured motorist. Now each scenario produces different possible services with different costs associated with these services. For that reason the actual<span style="text-decoration: underline;"><strong> economic&nbsp; cost of auto insurance </strong></span>is not as clear as it sounds in advertisements. Comparing accounting or financial cost of car insurance, or the monetary premium, is the easiest part.<br /> <br /> The implication of the above is that people should always consider things other than the price tag or the accounting cost of automobile insurance. Among other things, the amount of coverage, financial strength of the insurance company, claim services and claim handling are all equally important. The best auto insurance rates are the ones that will allow you to have the coverage that (1) You properly need, at (2) The price that you can afford.urn:uuid:02dcc14d-36cb-4995-a753-6dc0facac86eby Ed Sneneh, Illinois Auto Insurance Agent Chicago Illinois, 09/28/2011 Unemployment rate in the US has been fluctuation from over 9% to little under 11% in the pas couple of years, with many experts believing that the actual unemployment rate is ...Thu, 29 Sep 2011 00:03:10 -0500<em><strong>by Ed Sneneh, Illinois Auto Insurance Agent</strong></em><br /> <br /> Chicago Illinois, 09/28/2011<br /> <br /> Unemployment rate in the US has been fluctuation from over 9% to little under 11% in the pas couple of years, with many experts believing that the actual unemployment rate is much higher. Unemployment means more people are having less money, and people with less money are normally looking to save more on their expenses.<br /> <br /> Recession is also driving the <strong>auto insurance business</strong> in the right direction.&nbsp; Recession creates more importance to security issues in the minds of&nbsp; consumers. People feel less secure during recession, hence they become more active in searching for security services. Insurance, generally speaking, is a security service. Your auto is something you need to protect, and losing your property may cause hardship if not replaced. <br /> <br /> The third factor that is affecting the<strong> auto insurance business </strong>is the credit crisis. On one hand many standard, if not all, insurance carriers are using credit to determine the <strong>automobile insurance rates</strong>. For clients with bad credits their <strong>auto insurance rates</strong> are much higher than those with good or acceptable credit with the vast majority of insurance companies that are credit driven.&nbsp; Even people with great driving records but with bad credit may not have good auto insurance rates with standard carriers.&nbsp; Increasing <strong>car insurance rates</strong> for new business and renewal is pushing people do do shopping. In essence this proved to be very profitable to the majority of non standard agents who represent companies that do not use credit in the <strong>motor vehicle insurance rating system</strong>. <br /> <br /> To summarize, while credit crisis, recession and employment are affecting the shopping behavior of auto insurance shoppers, the change is in the direction of favoring auto insurance companies that (1) Do not use credit in their rating their auto insurance quotes, (2) Compete based on price (3) Are slashing coverages/ services in the competition process. On the other hand, standard companies are stumbling to stay competitive and maintain the same high quality services that they had. Whether that will last for too long is uncertain. <br /> <br /> ---<br /> Insurance Navy, 4717 N Pulaski, Chicago, IL 60630urn:uuid:b3183020-806e-4517-a4d1-a6945e8304bfby Ed Sneineh, Illinois Health Insurance Agent in Chicago Health insurance premiums are projected to soar significantly in the near future according to some sources, as much as 20%. Government officials and consumer movements that predicted moderate...Wed, 28 Sep 2011 22:34:19 -0500<span style="font-family: arial; font-size: 16px;"><strong>by Ed Sneineh, Illinois Health Insurance Agent in Chicago</strong><strong><br /> <br /> </strong><span style="font-size: 13px;"><em>Health insurance premiums are projected to soar significantly in the near future according to some sources, as much as 20%. Government officials and consumer movements that predicted moderate increase between 1% to 2% are crying foul. <br /> <br /> According to the Hartford <a target="_blank" href="http://www.courant.com/health/hc-health-insurance-standoff-20100919,0,6288105.story">Hartford Courant</a>, "</em><em>Connecticut regulators in recent days approved increases of more than 20 percent on some health plans starting Oct. 1." Insurance carriers attributed the increase to overall increase in the cost of health care services, and to the reform policies taken by Congress earlier in March<a target="_blank" href="http://www.courant.com/health/hc-health-insurance-standoff-20100919,0,6288105.story"></a>. Among the reform requirements are:<br /> <br /> &nbsp;Children and other adults may stay on their parents policies till age 26. Also new&nbsp; health programs must cover preventive services,such as&nbsp; mammograms and colonoscopies, without any out of pocket expense. The new federal laws ban the annual and lifetime limits of the liability of insurance companies under the health insurance policies.&nbsp; Probably the most costly change was the ban on refusing coverage for children under age 19 because of preexisting condition.<br /> <br /> While many companies could justify the rates increase, insurance analysts say that the three companies that announced their significant rate increase are Cigna, Anthem and Unicare. These companies are known to have been involved in stiff price competition. In 2009 Unicare's almost 580,000 members in the states of&nbsp; Texas and Illinois had find coverage elsewhereicare<strong>.</strong> Stiff competition was behind that move!</em></span></span>urn:uuid:e9d49581-4d1f-4642-9f56-98c92bc0cdbeby Ed Sneineh, Illinois Flood Insurance Licensed Agent Hurricane Irene is providing a sore token that most of homeowners insurance policies do not cover damage from flooding. That's a painful reality for the people who spent their weekend cleaning u...Tue, 27 Sep 2011 13:58:37 -0500<p><em><strong>by Ed Sneineh, Illinois Flood Insurance Licensed Agent</strong></em><br /> <br /> Hurricane Irene is providing a sore token that most of homeowners insurance policies do not cover damage from flooding. That's a painful reality for the people who spent their weekend cleaning up flooded basements, cursing failed sump pumps, or fixing other water damages on the East Coast.</p> <p>Water damage is normally covered under the standard Homeowners insurance policy, the HO3, provided by the Insurance Service Office. When the roof of the house is damaged because of sever wind storm with water damaging your personal property inside your insurance company will pay for that.</p> <p>Flood, on the other hand, is one of the catastrophic risks that standard homeowners insurance policies will not covered. Just like war, earthquake, hurricanes and other catastrophic risks, insurance companies specifically exclude them from standard coverage. &nbsp;Flood coverage is offered through the <strong>Federal Emergency Management Agency</strong> (FEMA). FEMA has a specialized department that deals with flood coverage known as the <strong>National Flood Insurance Program or NFIP</strong>. &nbsp;People and business who have exposure to flood can get the coverage and pay for it directly with the NFIP or private insurance companies that market the flood coverage. Not all insurers do market flood insurance.</p> <p>Covering water damage depends where it came from. Water damage resulting from backup of sewer is not covered under the standard HO3 homeowners policy, but can easily be covered through a rider. &nbsp;Water damage resulting from rising water is not covered at all.</p> <p>Whether water damage is covered depends on how it came about. Standard homeowners policies cover structural and water damage when wind or a falling tree knocks a hole in a roof, or breaks a window, allowing rain to fall inside. But there's generally no coverage for the home itself, or for personal belongings, when damage results from rising water. That includes water that seeps up from saturated ground through a basement floor, and homes near beaches flooded by storm surges.</p> <p>In the case of Hurricane Irene flood damage was greater than wind, and there was no coverage for people who just took the regular standard policy.</p> <p>While the Chicago area and the rest of the State of Illinois are &nbsp;not a hurricane region the fact that the State has many water bodies, rivers, springs, etc. make it a potential target for flood. Normally banks and lienholders will not approve any mortgage for properties located in flood zones without flood coverage. <em><span style="text-decoration: underline;"><strong>Flood Insurance for Illinois Homeowners</strong></span></em> and other property owners can be purchased through any licensed agent.</p> <p><span style="text-decoration: underline;"><em><strong>Illinois flood insurance rates</strong></em></span> vary based on distance of the property from a potentially flooding water body, elevation of the property, type of property including its age and construction type, and amounts of coverage. &nbsp;</p> <p>&nbsp;</p>urn:uuid:e0ed8ef2-eac2-44af-8733-121f3c3f8624by Ed Sneneh, Illinois Auto Insurance Specialist Auto insurance companies in Illinois may request a doctor note from some applicants who are either past specific age (normally over 72) or who indicate on the application that they have medical cond...Tue, 27 Sep 2011 11:43:01 -0500<p><span style="font-family: courier new;"><em><strong>by Ed Sneneh, Illinois Auto Insurance Specialist</strong></em><br /> </span></p> <span style="font-family: courier new;"> </span> <p><span style="font-family: courier new;"><strong>Auto insurance companies in Illinois</strong> may request a doctor note from some applicants who are either past specific age (normally over 72) or who indicate on the application that they have medical condition that may interfere in their ability to drive safely. &nbsp;In many cases, the <strong>Illinois automobile insurance companies </strong>may be satisfied with a simple physician note that the applicant is fit for safe driving. </span></p> <p><span style="font-family: courier new;">In other situations, however, insurance companies in Illinois, and in other parts of the country, may request medical records be submitted to them for underwriting reasons. This is very true in the case of applying for any health related or life related insurance products or services.</span></p> <span style="font-family: courier new;"> </span> <p><span style="font-family: courier new;">The 97th <strong>General Assembly for the State of Illinois</strong> and consequent to &nbsp;a Bill HB2918 introduced earlier in 2011 &nbsp;by Rep. Angelo Saviano has amended &nbsp;<code>the <strong>Illinois Insurance Code</strong>. The amendment came &nbsp;to enact that all insurance companies transacting insurance in Illinois, of all kinds, that demand providing medical records of an applicant to the insurance company, for any reason, will have to &nbsp;pay the health care facility or health care practitioner the applicable all the costs established under the provision of the Code of Civil Procedure related to examination of health care records. </code></span></p> <span style="font-family: courier new;"> </span> <p><span style="font-family: courier new;"><code>The act also amends the <strong>Code of Civil Procedure</strong> to allow that insurers demanding copies of health records of an applicant for any reason will have to pay the health care establishment all the applicable costs established under the Code of Civil Procedure related to the examination of health care records.</code></span></p>urn:uuid:81cd775a-3a31-44bc-b25a-f9005d7b8e83<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Edward Sneneh, Illinois Auto Insurance Specialist Illinois has recently signed a law, Public Act 097-0285, which was a bill submitted by Senator Martin A. Sandoval (D) 12th District in Illinois. According to which auto insurance companies in Illi...Sun, 25 Sep 2011 19:21:14 -0500<em><strong>by Edward Sneneh, Illinois Auto Insurance Specialist</strong></em><br /> <br /> Illinois has recently signed a law, <strong>Public Act 097-0285</strong>, which was a bill submitted by Senator Martin A. Sandoval (D) 12th District in Illinois. According to which <strong><em>auto insurance companies in Illinois</em></strong> cannot refuse to insure drivers and vehicles for the sole purpose that the drivers is doing volunteer work for a charitable non for profit organization approved by the Illinois Department on Aging.<br /> <br /> The Act states that "<span style="text-decoration: underline;"><em>An insurer may not refuse to issue vehicle insurance to a person solely because the applicant is a volunteer driver. An insurer may not impose a surcharge or otherwise increase the rate for a vehicle policy solely on the basis that the named insured or any member of the insured's household or a person who customarily operates the insured's vehicle is a volunteer driver</em></span>."<br /> <br /> The Act stated that <strong><em>auto insurance companies in Illinois</em></strong> will not be excluded from taking any actions on factors not related to the volunteering status of the insured. Most insurance companies challenge coverage validity if vehicle is used to transport people for <em>fees</em>. Volunteering time is not a question on the auto insurance application.<br /> <img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" alt="auto insurance quotes Chicago Illinois" style="float: right;" longdesc="Online cheap auto insurance quotes Chicago Illinois. Compare rates with many companies" /><br /> <strong>Effect of the Act on The Auto Insurance Companies</strong><br /> <br /> Considering the very small numbers of people who use their vehicles in the charitable work of non for profit organizations approved by the Illinois Department on Aging, the effect of this act will be very minimal on the insurance industry.<br /> <br /> Furthermore, <em><strong>automobile accident lawsuits</strong></em> brought against volunteers of charitable, non for profit organizations that are approved by Illinois Department on Aging would usually be covered under the charitable organizations insurance policies, under the <em><span style="text-decoration: underline;"><strong>hired and non owned auto section</strong></span></em> of the policy. Unless otherwise removed from the policy, <em><strong>hired and non owned auto insurance</strong></em> will cover vehicles used in the course of 'business' activities that are either hired autos or non owned autos.<br /> <br /> Charitable organizations approved by Illinois Department on Aging who have volunteers need to make sure that adequate coverage is provided under the general liability policy, and that a full disclosure is reported to their company.urn:uuid:81c6f5b3-a0c6-440b-8768-704f0be461f4<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />by Ed Sneneh, Automobile Insurance Quotes Agent in Illinois &nbsp;This discussion of covered auto is related to the Personal Auto Policy, herein referred to as the PAP, a form of auto insurance that is formed by the Insurance Service Office. While m...Sun, 25 Sep 2011 16:30:33 -0500<p><em><strong>by Ed Sneneh, Automobile Insurance Quotes Agent in Illinois<br /> </strong></em></p> <p>&nbsp;This discussion of covered auto is related to the <em>Personal Auto Policy</em>, herein referred to as the PAP, a form of auto insurance that is formed by the Insurance Service Office. While many companies adopted the definitions set by the ISO, other auto insurance companies decided to have their own definitions. Other definitions might be more liberal or more stringent that the ISO definitions. For that reason, it is recommended that you read your policy to know exactly how your company defines its coverages.</p> <p>A<em> covered auto</em> or "<em>your covered auto</em>" is any vehicle listed on the automobile policy declarations pages. Besides the listed vehicles, covered auto also includes the following vehicles: <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" alt="auto insurance rates in Illinois" style="float: right;" longdesc="Auto Insurance, SR22 Quotes in Chicago Illinois. Online Auto Insurance Rates" /></a></p> <p><em><strong>Newly Acquired Vehicles</strong></em>. If the new vehicle replaces a covered auto listed on the policy then it is automatically covered for the most comprehensive coverages that apply to any vehicle listed in the dec pages. It is good idea to notify the company, although there is no need to do so. &nbsp;If the new vehicle is an extra auto, the same automatic coverage will apply only if the insured person requests the insurer to add the car to the policy within 14 days of acquiring the new auto. Remember that most non standard companies will request that you immediately notify them of any change to extend any coverage to the new policy. Also state laws require that you carry a proof of liability insurance any time you operate the vehicle (this means you need the insurance ID card immediately after you purchase the car, which also means that it is a good idea to report the vehicle immediately.)</p> <p><strong>Non Motorized Trailers</strong>. A trailer is a non motorized vehicle or farm wagon made to be pulled by a private passenger auto, SUV, or van. </p> <p><strong>Temporary Substitute Vehicles</strong>. A temporary substitute vehicle is any non owned auto temporarily in use instead &nbsp;of a auto reported in the dec pages if that auto &nbsp;is out of usual use due to breakdown, repair, servicing, loss, or destruction.</p> The phrases " you" and "yours" are used in &nbsp;the PAP to refer to the named insured or spouse of the named insured listed on the declarations pages. Family members refer to anyone related the insured by blood, marriage or adoption, and who is a resident of the household. This includes foster children. <p>&nbsp;</p>urn:uuid:7de1a275-2cc4-480d-b680-cab219b1b22d<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg' align='left' />by Ed Sneneh, Specialist in Trucking Insurance Quotes in Illinois Trucking insurance is one of the complicated subjects that face both trucking business and insurance brokers. Understanding the basic types of trucking insurance and coverages is very...Sun, 25 Sep 2011 13:55:34 -0500<p><em><strong>by Ed Sneneh, Specialist in Trucking Insurance Quotes in Illinois</strong></em><br /> <br /> Trucking insurance is one of the complicated subjects that face both trucking business and insurance brokers. Understanding the basic types of trucking insurance and coverages is very important to meet the needs of the trucking business properly.</p> <strong>Trucking Insurance Coverage Types:</strong><br /> <ul style="margin-top: 0in; list-style-type: disc;"> <li><em>Liability Insurance</em> -&nbsp; This is the heart of the trucking insurance protection. The coverage offers protections by paying for bodily injury and property damages that the trucker causes to other people .</li> <li><em>Physical Damage Coverage</em> -&nbsp; This also includes Trailer Interchange Coverage. This is to cover own trucks/ trailer. It offers comprehensive and collision coverage by paying for repairs to your truck&nbsp; if it's damaged in an accident.</li> <li><em>Motor Truck Cargo Insurance</em> - &nbsp;Also called Inland Marine Coverage. It offer protection by paying for cargo damages &nbsp;because of a covered loss (fire, theft, or crash).</li> <li><em>Motor Truck General Liability Insurance</em> - &nbsp;Not auto related coverage, meaning that the coverage pays for bodily injury and property damage that the trucker or the trucking business may cause because of activities not directly related to operating any truck.</li> </ul> <p><strong>Who Needs Trucking Insurance?</strong></p> <p><span style="font-size: 13px; text-decoration: underline;"><strong>1. Owner Operators </strong></span></p> <p>Those people are owners of trucks that lease their equipment to other motor carriers under written lease agreement. They need Owner Operators Insurance to meet their lease requirements. The type of insurance they need is based on the lease agreement. But most agreements stipulate that the primary insurance is offered by the motor carrier, and that the owner operator may have to furnish only bobtail policy. A bobtail policy is a liability policy that offer liability insurance for the owner operator when he/ she is not under dispatch by a motor carrier (employer). </p> <p>Here it is worth it to distinguish between two types of liability coverage for owner operators who work for under the authority of others, bobtail insurance and non trucking insurance.</p> <p>Bobtail insurance and non trucking insurance are close in meanings and coverage. Many agents use them interchangeably but there is some basic difference between them. A non trucking insurance policy offers valuable protection when the truck<strong> </strong>is not used for business and regardless if a trailer is attached to it or not. Bobtail, aka Dead Head Insurance,&nbsp; covers a truck while not attached to a trailer and while traveling regardless if the truck is used for business or not!<img src="/img/%7Ewww.insurancenavy.com/trucking%20insurance%20specialists.jpg" style="float: right;" alt="trucking insurance quotes in Chicago Illinois" longdesc="online quotes for trucking- Liability, physical damage, cargo and general liability for long haul, dump truck, box truck, tow trucks in Chicago Illinois" /></p> <p><span style="font-size: 13px; text-decoration: underline;"><strong>2. Motor Carriers or Trucking For-Hire</strong></span></p> <p>Those are the actual trucking companies that may have their own trucks and/ or lease the trucks of owners operators to work for them. Primary liability insurance is required from all motor carriers. The insurance has to be filed with the department of your home state regulating the trucking business and with&nbsp; the Federal Motor Carrier Safety Administration (FMCSA). The most important form that the FMCSA needs is The BMC-91 filing and Form MCS-90 which are to guarantee the FMCSA that you have the adequate and the required amount of&nbsp; Liability insurance that allow the trucking business to transport goods or people across state lines. Other forms must be filed with the home state including Form E (Liability Filing) and Form H (cargo Filing).</p> <p>Other coverage types listed above (ie general liability or physical damage) may or may not be required according to the specific needs and size of the trucking business.</p> <p><span style="text-decoration: underline; font-size: 13px;"><strong>3. Private Motor Carriers</strong></span></p> If you work for your own company, or you have your own business where you use your own trucks for the sole purpose of transporting your own goods then you will be classified as a private carrier. You will need to consider the above coverages, considering that the liability insurance is mandatory.<br /> &nbsp; <p><strong>Insurance Coverage Offered for the Following Commercial Trucks:</strong></p> <ul> <li><strong>Insurance for Box trucks</strong> </li> <li><strong>Insurance for Semi trucks</strong></li> <li><strong>Insurance for Flatbed trucks</strong></li> <li><strong>Insurance for Garbage trucks</strong></li> <li><strong>Insurance for Pickup trucks</strong></li> <li><strong>Insurance for Tow trucks</strong></li> <li><strong>Insurance for Dump trucks</strong></li> <li><strong>Insurance for Auto hauler trailers</strong></li> <li><strong>Insurance for Flatbed trailers</strong></li> <li><strong>Insurance for All light trucks</strong></li> </ul> <p><strong><br /> Limitations of Trucking Insurance Coverage</strong></p> <p>Following is a list of the prominent limitations included in many trucking policies.</p> <p><em>Operators Age</em>: Many companies set limits on age. Most companies will not offer coverage for operators under age 21, or over 72. Almost all will surcharge operators under age 25 years, if they are acceptable. </p> <p><em>CDL Experience</em>: Many truck insurance carriers insist on 2 years of CDL experience.</p> <p><em>Radius of Operations</em>: Some companies will not offer coverage if the radius of operations is over 500 miles. Certain companies will offer lower rates for over 500 miles compared to local! (for example: certain companies think that local truck driving in Chicago may involve more risk that driving on a freeway)!</p> <p><em>Hazardous Materials Insurance</em>: HAZMAT involves different limits, licensing and filing. The above discussion refers to Non Hazmat.</p>urn:uuid:fadd767b-dcfb-4d8d-bb3d-7a8072096a8eby Ed Sneneh, Illinois Auto Insurance Agent Illinois automobile insurance laws took another turn on August 16, 2011 when Illinois Governor Pat Quinn approved &nbsp;House Bill HB2267, which was passed by the Illinois Senate on 5/20/2011. The Illinois ...Sat, 24 Sep 2011 23:09:57 -0500<p><span style="text-decoration: underline;"><em><strong>by Ed Sneneh, Illinois Auto Insurance Agent</strong></em></span></p> <strong>Illinois automobile insurance laws</strong> took another turn on August 16, 2011 when Illinois Governor Pat Quinn approved &nbsp;<strong>House Bill HB2267</strong>, which was passed by the Illinois Senate on 5/20/2011. The Illinois House passed the HB2267 on 4/13/2011. HB2267 is becoming <strong>Public Act 097-0407</strong>, and will go in effect January 1, 2012. <p>The Act has amended the<strong> </strong>Illinois Vehicle Codes related to <strong>uninsured motorists in Illinois</strong>, which is going up according to most recent analysis. The Act mandates that any driver convicted of a 3rd or subsequent charge of the driving &nbsp;of an uninsured automobile will have to pay a fine of $1,000. If a driver is convicted of <strong>driving an uninsured auto</strong> resulting in bodily injuries has two or more prior &nbsp;convictions of <strong>driving of an uninsured automobile</strong> &nbsp;or driving of an uninsured car causing bodily injury, then a fine of $2,500, besides any sentence of imprisonment, will be imposed.</p> <p><strong>Illinois auto insurance</strong> businesses and victims of uninsured motorists see this Act as a positive step, and in the right direction. The act will discourage people who are not very serious about making sure that they have the proper liability insurance. Adopting the Act will help getting more people acquiring proper insurance, and, in the long run, it will help to maintain low car insurance rates in Illinois.</p> <p>Uninsured Motorists in Illinois are the subject of Public Act &nbsp;097-0407. The original Bill HB2267 was introduced by Representative Tom Cross (R) of the 84th District. The Bill was approved unanimously by both the Illinois House and Senate.</p>urn:uuid:c42b6f71-a2dc-4634-9703-974e76be2378Auto Insurance Rates in Illinois will go up if Illinois House Bill HB3064&nbsp;proposed by&nbsp; Representative Lou Lang (D) of the 16th District gets a pass. Minimum auto insurance limits in Illinois &nbsp;as well as many other states, have been the...Sat, 24 Sep 2011 21:45:19 -0500<p><strong>Auto Insurance Rates in Illinois</strong> will go up if <strong>Illinois House Bill HB3064</strong>&nbsp;proposed by&nbsp; <strong>Representative Lou Lang</strong> (D) of the 16th District gets a pass. <strong>Minimum auto insurance limits in Illinois</strong> &nbsp;as well as many other states, have been the subject of criticism in the past few years. The current limits which has not been changed since it was introduced &nbsp;by the Illinois General Assembly which approved the law in 1988, and made it effective on Jan. 1, 1990. The percentage of <strong>Illinois uninsured motorists</strong> dropped from 19% prior to implementing the law to 6% one year after implementing the law, according to the figures provided by State officials in the Chicago Tribune (<em>Number Of Illinois' Uninsured Motorists Drops To 6%,&nbsp; by By Rob Karwath, January 8, 1991</em>.)</p> More recent studies suggest that Illinois is one of the states with the highest uninsured motorists. According to the Insurance Research Council, <strong><span style="text-decoration: underline;"><em>I</em><em>RC Estimates More Than 14 Percent of Drivers Are Uninsured</em></span></strong>, with Illinois scoring 14% to 16% in the past 10 years, or just about the national average. Clearly imposing the insurance mandatory laws has helped, but not that much, percentage wise. <p><strong>Illinois House Bill HB3064</strong> suggests enhancing the <strong>minimum mandatory limits</strong> &nbsp;for <strong>auto liability insurance in Illinois</strong> and increasing the amounts adequate to meet a sentence after an auto crash as follows: bodily injury or death to any one individual from &nbsp;the current limit of $20,000 to $50,000; bodily injury or death to more than one individual from the current limit of $40,000 to $100,000; and damage &nbsp;or destruction of property of people other than the insured from the current limit of $15,000 to $40,000 each accident.</p> If the <strong>Illinois House Bill HB3064</strong>&nbsp;is enacted it will lead to a lot of non standard companies that offer<strong> low auto insurance rates in Illinois</strong> either out of business or will force these companies to restructure their entire marketing and operational strategies, including marketing, finance, underwriting, operations, etc. Considering that the vast majority of <strong>non standard auto insurance companies in Illinois</strong> offer only the minimum limits or something very close to that, but surely much less than what the<strong> Illinois House Bill HB3064&nbsp; </strong>suggests, enacting the Bill will eliminate the concept of <strong>low cost auto insurance in Illinois</strong>. <p>There will be significant hike in <strong>car insurance rates in Illinois</strong>, and therefore the already high percentage of <strong>uninsured motorists in Illinois</strong> &nbsp;will go even higher! Low cost auto insurance, which is the backbone of many insurance companies and <strong>Chicago auto insurance </strong>agencies, has a critical social and economic roles. Many people cannot afford higher limits because of their driving status, bad driving records, or simply for no fault but bad credit record. There are also some people who will not qualify for it because of their risk status or lack of proper driver's license.</p> <p><strong>Illinois insurance professionals</strong> including financial planners and consultants understand the importance of <strong>high automobile&nbsp; insurance liability limits</strong>. It will be devastating for a victim of a serious car crash if the other at fault party has the present low liability limits. But we, all of us, can purchase higher <strong>uninsured motorist bodily injury limits</strong> if we think that the public is not having enough liability insurance. Instead of forcing high limits on everyone, hence resulting in significantly higher uninsured motorists, it would be a better choice to make sure that you have a sound financial plan that will protect you, your family, as well as your wealth and health from all events including the event of being hurt by a motorist who has <strong>low liability insurance limits</strong>.</p>urn:uuid:14c7625e-ce7f-46bb-b0cf-8fde7a9f63d6<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/no%20license3.jpg' align='left' />by Ed Sneineh, Illinois Auto Insurance Rates Specialist in Chicago The answer to this question is affirmative, if you looking for a quick answer. But if you are looking for details you may need to know what's beyond this affirmative answer. Being lic...Sat, 24 Sep 2011 19:10:51 -0500<p><em><strong>by Ed Sneineh, Illinois Auto Insurance Rates Specialist in Chicago</strong></em></p> The answer to this question is affirmative, if you looking for a quick answer. But if you are looking for details you may need to know what's beyond this affirmative answer. <p>Being licensed by the state has nothing to do with the assumption that your auto insurance company may or may not pay for auto accidents that an unlicensed operator cause. Driving legally or illegally is something that has to be dealt with in the legal system. Paying a claim by an unlicensed operator is a civil, contractual, issue that should be settled according to a specific contract.<br /> <br /> <strong>Auto Insurance For Operators Without Drivers License, Legal Matters</strong></p> <p>Illinois House Bill HB3385 filed by Rep. Maria Antonia Berrios &nbsp;suggests to amend the Illinois auto insurance statute. HB3385 suggests that no car insurance policy sold by any insurer may be rescinded or canceled because the insured person did not have a valid drivers license or permit if the insurance company failed to ask the applicant &nbsp;for proof of a valid driver's license or permit at the time of submitting the auto insurance application, or of the insured was indicated on the application as unlicensed. The status is still pending till this date of September 2011.<br /> <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/no%20license3.jpg" style="float: right;" alt="Auto Insurance Rates in Chicago Illinois" longdesc="Car Insurance Quotes Drivers No License Mexico License Chicago Illinois" /></a></p> <p>Few years ago only selected auto insurance companies ventured into accepting people with licensing status as (1) no license, (2) foreign country license such as Mexico Driver's Licenses License or Poland Driver's Licenses, or (3) international licenses. &nbsp;Auto insurance companies in the past would charge extra premiums for having an international license, perhaps as high as 20%. Now, most, if not all, non standard insurers in Illinois, particularly those operating in Chicago and Chicago suburbs; as well as some standard insurance carriers started to accept insured people &nbsp;who do not have US licenses.</p> <p><strong>Trends in Insuring Drivers Without License</strong></p> <p>Some car insurance companies that do not mind insuring unlicensed operators actually offer lower premiums for a driver who was never issued a US license before, compared to another operator with a US license. &nbsp;These companies have data supporting the argument that unlicensed operators are more careful than licensed ones, and they file less claims. </p> <p>There are still some carriers who do not mind insuring unlicensed operators, but may charge the policy some extra premiums for that. This practice is more evident with standard carriers who accept to take people without drivers license and among companies that international licensees and unlicensed people are not the primary target market.</p>urn:uuid:e8d046a2-043b-4472-bd68-8784b88839d0by Ed Sneneh, Illinois Product Liability Insurance Expert Product recall is not uncommon to hear about these days. Besides their negative publicity, product recalls will come with enormous amount of financial losses to the manufacturer or the distri...Fri, 23 Sep 2011 23:16:56 -0500<p><strong>by Ed Sneneh, Illinois Product Liability Insurance Expert</strong><br /> <br /> Product recall is not uncommon to hear about these days. Besides their negative publicity, product recalls will come with enormous amount of financial losses to the manufacturer or the distributor of the product under recall. Government agencies such as the Food &amp; Drug Administrations as well as other consumer protection agencies may force a particular manufacturer to issue a recall for products that may prove to be harmful for human use or consumption, such as food products, children toys, and vehicles.&nbsp; Companies that do not comply with the recall orders can be subject o sever penalty. Some companies may voluntarily recall certain products if they fear safety issues.<br /> <br /> Besides paying in negative publicity and bad public image, companies that are volunteering or forced to make a product recalls incur tremendous financial losses. One of the well known recall case was the Chicago Tylenol scare of the 1982. The media gave the manufacturer Johnson &amp; Johnson much positive coverage for its handling of the crisis. But the recall cost the company millions of dollars, and cost the society immense stress and scare. As a result the government has changed the whole laws of packing and distributing over the counter medicine and formula.<br /> <br /> In 2010 Toyota announced a recall of over 139,000 luxury Lexus vehicles in the US markets only because of some faulty engine valves and springs. About 10 millions vehicles were expected to be affected by this recall worldwide. The total financial loss for this recall in the US markets only was projected to be over $2.5 billion. Losses like that can be devastating for a company that was struggling with the negative influence of recession.<br /> <br /> <br /> <strong>Connection of Product Recalls &amp; Product Liability Insurance</strong><br /> <br /> Based on the definition of <strong>'</strong>occurrence', products liability insurance does not provide any protection for <strong>"</strong>anticipated<strong>" </strong>bodily injury or property damage. The product maker is expected to issue an immediate product recall if the manufacturer has reason to believe that a product in the market is expected to cause bodily injury and harm to the users or the public, in order to keep products liability coverage for that product in tact.</p> <br /> Product Liability Insurance does not cover any part of the cost of recalling the bad products, including cost of inspection. replacement or repair of the product. Any and all aspects of costs affiliated with product recall are specifically excluded from the product liability coverage. The exclusion applies to all losses and expenses directly or indirectly associated with product recall process. It also applies to any product that the manufacturer has reasons to believe its defective.<br /> <br /> If a defective or harmful product was part of another product (faulty brakes in a vehicle), then recalling the whole product (vehicle) is not covered under product liability&nbsp; because of sistership exclusion. Where the manufacturers of the parts are different, some courts may not interpret the sistership exclusion and may allow product liability coverage for the component part manufacturer (brakes) if sued by the main product maker (vehicles) due to a recall of the product.<br /> <br /> While product liability insurance specifically excludes cost of product recalls, special coverage for product recalls can be purchased in the insurance marketplace. Organizations seeking this coverage must take in consideration the direct and direct costs of recalling their products including logistic, advertisement and publicity expenses. Even in that case, some insurers may limit their exposure to the US, European, or Canadian markets.urn:uuid:a1ef6ef6-9ae0-4a4b-9702-012e189cb8ce<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/prof%20liability.gif' align='left' />by Ed Sneneh, Specialist, Professional Insurance Chicago Illinois Medical malpractice is one of the most controversial and publicized subject, although there is nothing unsual about it that makes it different that malpractice issue with other profes...Fri, 23 Sep 2011 01:33:43 -0500by Ed Sneneh, Specialist, <strong>Professional Insurance Chicago Illinois</strong><br /> <br /> Medical malpractice is one of the most controversial and publicized subject, although there is nothing unsual about it that makes it different that malpractice issue with other professions like law or financial services. Generally speaking, physicians and other professionals are liable for negligence in accordance with the general principles of care. Negligence is the carelessness or is the absence of that amount of care or standard of care that the conventions require the professional to exercise at any given situations.<br /> <br /> Medical malpractice, lawyer professional liability, insurance agent errors and omission are all different names for insurance covering professional negligence. Our article here will focus on the medical practice, though the principles are the same for all professionals. The duty of the medical doctor is limited to the use&nbsp; acceptable care in identifying the ailment of&nbsp; and recommending a cure for the ailment of the&nbsp; patients. The physician has no duty to make the cure works or even to strengthen the patient's situation,&nbsp; except if the physician assumed such a responsibility by assuring certain outcomes. <br /> <br /> The patient does not have to be a paid client for the physician for the duty of reasonable care to exist. Actually the duty of reasonable care will exist any time there is an association of physician and patient. So the fact that the patient is a charity patient does not eliminate the physician's&nbsp; duty of reasonable care. Even in the even the physician is volunteering time in an emergency situation, the doctor still has at common law the duty of reasonable care. <br /> <br /> Unrealistic claims against physicians who have offered&nbsp; their free services in urgent situations (ie a physician driving with his family on the weekend witnesses a car accident and tries to help injured people) have led very recently to blemishing of 'Good Samaritan' scenarios, excusing the physicians of liability or reducing the standard of care requirements.<br /> <br /> <strong>What is The Degree of Care?</strong><br /> <img src="/img/%7Ewww.insurancenavy.com/prof%20liability.gif" style="float: right; width: 297px; height: 65px;" alt="Professional Liability Insurance Chicago Illinois" longdesc="Get free Professional Liability Insurance Quotes Chicago Illinois" /><br /> The degree of care needed from any physician is that which other specialist of the same type normally apply in the similar communities under similar conditions. For that reason, the Standard Degree of Care vary with he size of community, physician training and education, and time. <br /> <br /> Physicians may make themselves responsible and, thus, liable in a number of ways. Keep in mind that wrong diagnosis may not particularly result in liability, but a reckless diagnosis will make them liable. When physicians&nbsp; do not apply generally endorsed diagnostic and treatment methods they be charged with reckless negligence. Also, if physicians forget to give adequate directions to the patient, or&nbsp; any health professional the doctors may be liable. The same could be said if the doctors fail to communicate with prior doctors treating the patient and&nbsp; get the full background of the patient, for example, the doctors will be held liable. Another example is when general practitioner doctors forget or fall short to<br /> refer the patient to a specialist when the diagnosis suggest the need for a specialist. Abandoning the patients without transferring them to another health care professional, exposing patients health or life to danger are great grounds for holding physicians with liability. <br /> <br /> Accusing the doctors of negligence is not a ground for conviction. Testimonies of patients and experts are needed to substantiate any claims against them.&nbsp; Ordinarily, the doctor cannot be adjudged negligent unless there is, in the record, testimony of medical experts on which such a finding can be based. Unsubstantiated ordinary citizens testimony is not a good ground. However, in some cases where the nature of the case is such that lack of negligence appears to be very highly unlikely &mdash; a situation known as res ipsa loquitur case, testimony of ordinary citizens, also called Lay Testimony may be considered. <br /> <br /> <em><span style="text-decoration: underline;"><strong>Extending the res ipsa loquitur Doctrine</strong></span></em><br /> <br /> It is rather hard in medical malpractice lawsuits to see doctors testifying against others. For that reasons courts are using the Lay Testimony more than in other cases, and&nbsp; courts resort sometimes to extend the res ipsa loquitur (the thing speaks for itself) doctrine over and above its usual boundaries.<br /> <br /> A very clear use of the res ipsa loquitur doctrine is in situations of gross negligence (leaving a needle or scissor in the patient's body after a surgery) or amputating the wrong leg of a severely infected diabetic patient. Here. experts testimony is not of great importance and Lay Testimony maybe more than enough.<br /> &nbsp;<br /> Professional liability insurance of attorneys, CPAs, dentists, real estate agents and brokers, as well as financial services personnel is basically based upon very similar rules. Medical malpractice is attracting more attention because of the 'litigation society' that we have in this country. More people are suing other professionals and for that reason the professional liability insurance for other fields is gaining more importance.urn:uuid:4eb42492-e6fc-4d19-954b-d73de1698e00<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Sneneh, Specialist in&nbsp; Auto Insurance Quotes Chicago Illinois Illinois drivers must show that they can settle for accidents they make. Most car drivers do this by obtaining car liability insurance policy. Illinois State mandates minimum c...Thu, 22 Sep 2011 19:52:11 -0500by Ed Sneneh, Specialist in&nbsp; <span style="text-decoration: underline;"><em><strong>Auto Insurance Quotes Chicago Illinois</strong></em></span><br /> <br /> Illinois drivers must show that they can settle for accidents they make. Most car drivers do this by obtaining car liability insurance policy.<strong> Illinois State mandates minimum coverage</strong> of $20,000 per injured person, up to a total of $40,000 for everybody injured in an accident, and $15,000 for property destruction induced by the car accident. In the insurance terminology this basic coverage is categorized as 20/40/15 insurance. <br /> <br /> Nonetheless, and often so, this <strong>basic auto insurance in Illinois</strong> might possibly not be sufficient if the auto owner is held liable for a more severe accidents. Everyone should have a look at paying for more than the <strong>basic insurance coverage</strong>. At the time when you order an automobile insurance policy, the insurance carrier should send you an <strong>evidence-of-liability insurance card</strong>. You ought to have to produce proof of liability insurance anytime you, the driver<br /> <br /> <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img longdesc="auto insurance rates Chicago, car insurance rates Illinois car insurance quotes Illinois" alt="auto insurance quotes" src="http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="float: right;" /></a> &bull; are enquired for it by a&nbsp; cop<br /> &bull; are involved in a car crash<br /> &bull; want to register the vehicle or renew the auto's registration<br /> <br /> <strong>Car Insurance Coverages</strong><br /> <br /> The private car policy offers eight kinds of coverages. State legal system entails the driver to have the lowest amount of liability limits. The other coverages are optional, but if you,the vehicle's titleholder still have a lienholder on your auto, your lender could have to have you to have full coverage.<br /> <br /> The following covers the eight forms of coverage possible in the Insurance Service Office's Personal Automobile Policy, often known as PAP. Automobile insurers may feature alternative&nbsp; policies if authorized up front.<br /> <br /> <ul> <li><strong>Automobile Liability Coverage</strong></li> <li><strong>Auto Medical Payment to Others</strong></li> <li><strong>PIP, or Personal Injury Protection. Similar to medical payments coverage,plus 80 percent of lost income and the cost of hiring a caregiver for an injured person. Please not that this is not covered in Illinois</strong></li> <li><strong>Uninsured/Underinsured Motorist (UM/UIM) Coverage. </strong></li> <li><strong>Collision (Physical Damage to The Automobile) Insurance Store</strong></li> <li><strong>Comprehensive (Physical Damage Other than Collision) Coverage Such As Fire</strong></li> <li><strong>Towing and Labor Coverage</strong></li> <li><strong>Rental Reimbursement Coverage</strong></li> </ul> Everyone has to read their policy very carefully, as your coverages and contract terms could disagree from those detailed in this article. While the PAP is a common contract, certain insurance carriers do not hold to it. Preferred and standard insurance companies may make available increased coverage while non standard insurance companies may present insurance protection that are a lot less than these standards.<br /> <br /> Yet another idea&nbsp; about the State of Illinois certified verification of auto protection. People may lawfully avert getting auto insurance by posting a bond with the DMV. The consumer may have to pay for auto claims from own cash, with an authentic guarantee (the bond) provided by an accredited bonding company. This is not a common happening, but is a legitimate good&nbsp; choice.<br /> &nbsp;&nbsp;&nbsp;urn:uuid:79f535c5-dde1-42bc-afe5-f27cd33f8006Auto Insurance Rates Laws &amp; Regulations The McCarran&ndash;Ferguson Act which was passed in 1945 made a clear points that the insurance business&nbsp; was allowed by Congress to assume control over the allocation of power over the insurance bus...Wed, 21 Sep 2011 00:44:58 -0500<p><strong>Auto Insurance Rates Laws &amp; Regulations <br /> </strong></p> <p>The <strong>McCarran&ndash;Ferguson Act</strong> which was passed in 1945 made a clear points that the insurance business&nbsp; was allowed by Congress to assume control over the allocation of power over the insurance business. In this law, Congress redefined the authority of the local state governments over the regulation of insurance and developed&nbsp; some strategies where laws would become a joint and mutual initiative between federal government and state governments. According to the McCarran-Ferguson Act, the federal government controls certain areas of the industry, such as insurance rates and insurers unfair practices.</p> <p>After passage of Public Law 15, regulation of premium rates began.&nbsp; Most of the laws enacted were basically generated from the sets of laws approved by the NAIC (National Association of Insurance Commissioners) where auto insurance rates were made to enforce certain needs that car insurance rates be adequate, reasonable, responsive, and nondiscriminatory.</p> Historically,The first stage of insurance rates regulations were the related to the antitrust laws. Again, the main purpose of the regulation was to keep rates as low as possible, through enforced competition. But the anti trust laws could not stop discriminatory measures, especially against smaller size risks. Insurance rates second development stages came with the development of fire insurance, through imposing antidiscriminatory statutes that produced laws prohibiting discrimination against risks in the same class. The goal of the antidiscriminatory laws was to aver discrimination against individuals within the same class. These, again, failed because it was not possible to determine exactly if an individual belongs to this class or the other due to the lack of general classification criteria.<br /> <br /> After that evolved&nbsp; few standards to assure the reasonableness, adequacy, fairness, and responsiveness of insurance rates. Insurance rates should be reasonable.They also should have some minimum of adequacy standard and above this level the rates may go to any height. The standard of reasonableness was crafted to protect against the dangers of creating oligopolistic or monopolistic settings.<br /> <strong><br /> Auto Insurance Rates Laws</strong>. Fifty years ago very few states mandate the filing or preapproval of automobile insurance rates. Nowadays, each and every state including DC &amp; Puerto Rico have sets of laws regulating the automobile insurance rates.&nbsp; <p>In Illinois, the insurance commissioner must approve each new auto insurance rates.&nbsp; The commissioner must also be on file as approving each increase in auto insurance rates for insurers. <br /> <br /> </p>urn:uuid:b104b53d-f11f-484e-a595-d0feb5a254b3by Ed Sneneh, Chicago Auto Insurance Specialist Auto insurance rates in Illinois, like most other states, are regulated by the local state government. For that reason,&nbsp; all car insurance rates charged for insurance coverage of any type must be ...Mon, 19 Sep 2011 23:25:27 -0500<p><strong>by Ed Sneneh, Chicago Auto Insurance Specialist<br /> <br /> Auto insurance rates in Illinois</strong>, like most other states, are regulated by the local state government. For that reason,&nbsp; all car insurance rates charged for insurance coverage of any type must be filed with the Illinois Department of Insurance. Similar regulatory bodies exist in all other sates to deal with their respective <strong>auto insurance rates</strong>.</p> <strong>State of Illinois insurance regulations</strong> covering automobile insurance rates mandate that the filing of rates with the Illinois Department of Insurance show the character and extent of the coverage in consideration. To be valid, rate regulations mandate that changes to the rates may not be made without first being filed and approved. <p>The State of Illinois laws regarding<strong> auto insurance rates</strong> were made with the intent of regulating and preserving competition among <strong>Illinois auto insurance companies</strong>. The automobile insurance rates laws allow for flexibility in the process of rate-making. Changing rates always require justification based on statistical information. This means that if a company takes a decision to increase its <strong>car insurance rates</strong>, the new rates must be justified by the company based on numbers (the company is losing money in certain market segment, for example.)</p> There are certain statutes in <strong>auto insurance rates regulations</strong>. These statutes provide standards to be adhered to by both the auto insurance company and the Department of Insurance authorities that judge the filings for the new (or changes in the) <strong>automobile insurance rates</strong>. The standards are set by the State of Illinois to protect the two parties involved, the customers and the insurance companies. These standards are based on fairness for all the players in the auto insurance marketplace. The measures include Adequacy, Reasonableness, Fairness, Responsiveness, and Stability. <br /> <br /> <p><strong>Adequacy:&nbsp; Adequacy&nbsp; of auto insurance rates</strong> refers to the standard that all auto insurance rates should generate enough funds for the insurance company to pay for (1) all claims, (2) Administrative and Sales (Commission) Expenses, (3) Taxes, (4) Money for unexpected future losses, and (4) Profit to the owners of the company.&nbsp; If the auto insurance rates are set too low where companies may not be able to pay the claims then this will endanger the present customers of the company. Considerations are given to the experience of a particular company in one of its specific market segment (for example, experience of company in ZIP code 606xx, or among Male Age 17) or the average experience of all insurance companies is specific market segment.</p> <strong>Reasonableness</strong>. <strong>Reasonable Auto insurance rates</strong> should be a standard, meaning not excessive to cause excessive underwriting profit. is another important genera. When determining if profit is excessive or not, any unusual or extraordinary expenses should not be passed on to the customers in the form of higher rates. <p><strong>Fairness.&nbsp; Fair auto insurance rates</strong> are hard to define. Whats fair to the company may not be fair to the insurance consumer. The laws statutes require insurance companies t recognize the differences in the hazards and their costs for the different classes of the insured people.</p> <strong>Responsiveness.</strong> <strong>Responsiveness of auto insurance rates</strong> is expected from the rate structures of inssurance companies. The structure of the plan should be able to adapt to the changes in the hazard exposure in timely manner. Using statistical sampling and other trending factors are fundamental elements in the concept of&nbsp; responsiveness of auto insurance rates. &nbsp; <p><strong>Stability.&nbsp; </strong>Responsiveness, or the ability to change in timely manner, should not allow instability in the rating structure of the auto insurance. Stability implies that even though rate structures are responsive, they should also be stable, making little dramatic and&nbsp; changes, or changes that are minor. Excessive changes in auto insurance rates may not be healthy for insurers because they create distrust among insurance clients.</p> Auto Insurance Rates Structure should be simple and easy to understand and explain. Customers need to understand how it works too because that will help in rationalizing the behavior of insurance companies and insurance agents.urn:uuid:cb905338-4d7f-4f4f-bfcc-54a5134fee63by Ed Sneneh, Illinois Insurance Quotes Agent A hazard is defined as a scenario or condition which enhances or increases the probability of occurrence of loss, because of&nbsp; a particular type of peril.&nbsp; In the auto insurance business when a c...Mon, 19 Sep 2011 00:38:46 -0500<p>by Ed Sneneh,<em><strong> Illinois Insurance Quotes Agent</strong></em></p> <p>A hazard is defined as a scenario or condition which enhances or increases the probability of occurrence of loss, because of&nbsp; a particular type of peril.&nbsp; In the auto insurance business when a car driver doesn&rsquo;t maintain her car in good condition and the brakes go out of commission, the brakes become classified as a hazard which increases the probability of a loss as a result of automobile crash.</p> <p>Most insurance professional agree that there are three types of hazard&nbsp; that the average person need to be be familiar with. They are important to know because understanding them make the average consumers have better understanding of the mechanism of insurance. These hazard are physical, moral and morale hazards.</p> <ol> <li><strong>Physical Hazards.</strong> This set of hazard refer to those factors that can be perceived with our five senses, or they can be seen, touched or smelled that can cause a loss<strong>.<br /> </strong>Examples of Physical Hazard: bad brakes in vehicles, bad wipers (prevent clear vision), broken headlights, inoperable signal. In home insurance keeping gasoline tanks in the garage will increase the risk of fire. For businesses water spills will cause slippery floors, making it highly probable for customers to slip.</li> <li><strong>Moral Hazards</strong>. These refer to the situations when someone with insurance may be totally dishonest or may exaggerate the claims, making a loss seem larger than it originally was. Some one who is a thief or an arsonist, for instance, would be classified as moral hazard if he tries to purchase some property insurance. </li> <li><strong>Morale Hazards.</strong> These hazards refer to situations where having or owning an insurance policy make people careless, or indifferent to the loss. Certain people developed these hazard when the ability to buy insurance makes them indifferent to loss. For instance, when John purchases full coverage auto insurance policy for for his newer car and then leaves the car running with the key in the ignition, thus using no judgment as if someone may steal the vehicle etc., this reckless attitude is classified as&nbsp; Morale Hazard.</li> </ol> <p>Insurance companies typically try to examine the situations by checking applicants and property insured. By checking the C.L.U.E. (Comprehensive Loss Underwriting Exchange), insurance companies can get the history of both the client and the property insured with regard to previous claims made, including nature of claims, amounts paid, names, dates of birth etc. of the parties involved.<br /> <br /> Many companies are also <strong>using credit in auto home insurance</strong>. There seems to be an assumption among insurance companies that people with bad credit have higher tendencies to file claims. But even for companies that do not check the credit a significant difference in quality of insurance coverage may exist for the same priced policies.</p>urn:uuid:df83f1ff-784d-4bff-9942-05e2e5470236An individual initiating a products liability litigation often wants compensatory damages to restore or compensate for the loss they suffer. In many situations, injured litigants have&nbsp; won&nbsp; in collecting further&nbsp; punitive damages, othe...Sat, 17 Sep 2011 23:34:37 -0500An individual initiating a <strong>products liability litigation</strong> often wants<strong> compensatory damages</strong> to restore or compensate for the loss they suffer. In many situations, injured litigants have&nbsp; won&nbsp; in collecting further&nbsp; <strong>punitive damages</strong>, other than compensatory damages.<br /> <strong><br /> <em>Punitive damages</em></strong><em> are given to punish a litigationist for his or her unreasonable</em>, unlawful behavior and to deter the defendant and other people from getting in alike inappropriate acts. In states which allow&nbsp; a punitive damages award in a products liability case, it must&nbsp; generally&nbsp; be established that the seller recklessly overlooked the safety of users.<br /> <br /> Anywhere punitive damages are allowed, the question emerges as to whether an insured may make claims for such expenses consequent to its products liability insurance coverage outlined in their liability policy. This question has been answered both positively and negatively&nbsp; by courts. In reaching a resolution to this issue, courts have been called upon to interpret the insurance policy to find out if <strong>punitive damage awards</strong> are within the proposed coverage. In making such determination, it is mandatory to browse the specific policy language in question.<br /> <br /> In few occasions, courts have been called upon to interpret an insurance policy that provides coverage for damages awarded because of 'bodily injury' or 'property damage.' This phrase has been translated to exclude punitive damages. Then again, where the insurance policy&nbsp; delivers coverage for 'all sums' for which the insured becomes 'legally liable for' ... as damages, it can be argued that punitive damages are included in the phrase 'all sums.' Accordingly, this language has been analyzed as to deliver coverage to the insured for punitive damages.<br /> <br /> Awards of punitive damages are determined by multiple causes, which involve - punishment of a bad person besides deterrence of others from involving in similar behavior. Unfortunately, passing punitive damage to insurers may not deter wrongdoers from continuing their wrong actions.<br /> <br /> <strong>Public Policy And Punitive Damage</strong>s<br /> <br /> Consequently, even in scenarios punitive damages&nbsp; fall within the scope of insurance coverage of <strong>product insurance policy</strong>, a court may not allow&nbsp; an insured to collect such loss from the insurer on the ground of public policy. In some scenarios, though, public policy may not be offended by permitting an insured to recover from its insurance firm for a punitive damage award. For instance, a business may be held liable for punitive damages for conduct done by one of its staff. Where the insured business did not take any part in the wrongful act and is only vicariously liable, neither the 'punishment' rationale nor 'deterrence' reasoning of awarding punitive damages is affected by permitting insurance coverage. <br /> <br /> Nowadays, as punitive damage awards began to rise in frequency and size, some insurance firms start to exclude punitive damages off the risk, by clearly excluding them from insurance coverage. Consequently, although a producer gets product liability insurance, she or he should not assume all damages connected with his or her product to be included by the insurance contract.urn:uuid:ac4c235a-bd31-4352-bcf8-e225b7f2be42Analysis of Why Auto Insurance Rates in Illinois Differ Than Rates in Other States by Ed Sneneh, Illinois Auto Insurance Broker Auto insurance rates are based on several factors that make them unique. This article sheds some lights over the factors ...Sat, 17 Sep 2011 21:39:26 -0500Analysis of Why Auto Insurance Rates in Illinois Differ Than Rates in Other States<br /> by Ed Sneneh, Illinois Auto Insurance Broker<br /> <strong><br /> Auto insurance rates</strong> are based on several factors that make them unique. This article sheds some lights over the factors that make <strong>auto insurance rates in Illinois</strong>, primarily <strong>auto insurance rates in Chicago</strong> area, different than other states. <br /> <br /> State Laws. States impose different limits of insurance for bodily injury and property damage. In Illinois, for example, the minimum limits are $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 property damage per accident. In the State of Indiana these limits are $25,000/50,000/10,000; respectively. Higher limits means higher insurance premiums.<br /> <br /> <strong>No Fault Insurance</strong>, where insurance company picks up insured's medical expenses, rehabilitation expenses and lost wages up to the amount the insured purchased, regardless of who is at fault in any car accident, is generally more expensive than auto insurance that follows the traditional tort system where the faulty driver has to pay. Illinois is not a state that follows the No Fault Insurance system.<br /> <br /> <strong>Communities and Auto Insurance Rates</strong>. Large communities have normally higher loss and accident rations (busy life styles, stressed drivers, busy roads, constructions, etc.)&nbsp; Large metropolitan areas such as Chicago, New York, Los Angeles, etc. are classified as higher risk areas that smaller communities, or suburban areas. Some companies, especially commercial auto insurance companies, may use the County as a base for rating, while others may use individual ZIP codes for rating base.<br /> <br /> <strong>Garaging ZIP</strong> is a significant factors for <strong>commercial auto insurance</strong>. In personal auto insurance the garaging ZIP codes could make a hundred or two hundred dollars difference in annual premium for an auto. For a trucking company with 20 truck tractors garaged in the City of Chicago, moving farther south to Will County or another county could make fifty thousand dollars, perhaps more, every year, with many trucking companies. Moving to Indiana could even save more on <strong>truck insurance premiums.</strong><br /> <br /> <strong>Crime And Auto Insurance Rates</strong>. Communities with high crimes tend to have higher rates for auto insurance. People who live in high risk communities or communities that are adjacent to high risk communities normally pay higher auto insurance rates.<br /> <br /> <strong>Competitive Forces</strong>. Larger communities tend to have more auto insurance companies fighting to get customers. More companies mean more competition. Normally this means lower prices, but perhaps on the expense of claim paying practices.urn:uuid:061adb5c-21f3-4ead-9cd1-45f10c17b61dConsiderations for Commercial Auto Insurance Coverages by Ed Sneneh, Chicago Commercial Auto Specialist Protection for liability loss exposures connected to using autos and trucks is part of the commercial auto coverage. The liability section of th...Wed, 14 Sep 2011 01:57:14 -0500<p><strong>Considerations for Commercial Auto Insurance Coverages</strong></p> <p>by Ed Sneneh, <strong>Chicago Commercial Auto Specialist</strong><br /> <br /> <br /> Protection for liability loss exposures connected to using autos and trucks is part of the commercial auto coverage. The liability section of the commercial auto contracts mandates the insurer to pay all damages the business owners are legally required to pay because of bodily injury or property damage resulted from an accident and resulting from the ownership, maintenance or use of a covered auto. Of course the coverage will be up to the auto policy limits specified on the declarations pages.</p> <p>The beginning point is a professional insurance broker<strong>,&nbsp; o</strong>ne who puts the efforts and who takes the time to analyze your business operations. Stay away&nbsp; of an insurance broker who, without knowing the details of your business, tries to market to you some package contract, without looking at other alternatives. The insurance industry has developed some very good packages that cover the basic needs of many trucking businesses. Your insurance broker must ask a lot of questions and systematically comprehend your industry and operations. You should always insist on having someone who is capable of knowing your needs.</p> <p>Independent insurance brokers can be of further help here.&nbsp; You want a broker&nbsp; who&rsquo;s not a captive/ hostage to a particular company. The broker should be willing to obtain quotes from many insurance companies so that you do not pay more than is necessary. He/ she should also have knowledge and understanding of precisely what your insurance policy covers and what is not covered.&nbsp;<br /> <br /> <br /> <strong>Punitive Damage</strong> Are Not Covered Under Auto Insurance. In some of states, the auto contract is not permitted to cover punitive damage awards. But then even in states where insurance for punitive damages is allowed, the auto insurance contract may exclude them specifically. Punitive damages are occasionally imposed when their is sever recklessness or alcohol consumption where the operator&nbsp; was drunk or was operating a vehicle recklessly.</p> <p>Any time there are <span style="text-decoration: underline;"><em><strong>auto liability lawsuits</strong></em></span> against the insured business, where the loss is covered by the policy, the insurer is mandated to defend the business, its owner, and it staff; or to settle the lawsuit. Insured cannot decide here. The policy leaves the decision up to the insurer about whether to defend or settle a particular lawsuit. The insurance company's obligation to defend or settle will surely finish&nbsp; when the insurance policy limits have been exhausted by the payment of judgments or settlements. For example, if 2 people are injured in an auto crash, and the insurance company uses up the policy limits in lawsuits or out-of-court settlements on the first one, the business will have to pay the cost of the judgment, if any, to the second injured party.</p> <br />urn:uuid:e135cc70-7058-4a8e-87fd-ae3d259b769c<img src='http://www.insurancenavy.com/img/~www.insurancenavy.com/tow%20garage.jpg' align='left' />by Ed Sneneh, Agent for Chicago Tow Trucking Insurance , Illinois Two truck insurance quotes are characterized with their high numbers both on the coverage amounts and premium amounts. They are also little complex to understand by the average consum...Wed, 14 Sep 2011 01:14:18 -0500by Ed Sneneh, Agent for <em><span style="text-decoration: underline;"><strong>Chicago Tow Trucking Insurance , Illinois</strong></span></em><br /> <br /> <strong>Two truck insurance quotes</strong> are characterized with their high numbers both on the coverage amounts and premium amounts. They are also little complex to understand by the average consumer. The following explains the main components of <em><span style="text-decoration: underline;"><strong>tow truck insurance quotes</strong></span></em>,&nbsp; auto insurance split coverage, and the advantages and&nbsp; disadvantage of split coverage.<br /> <br /> <span style="text-decoration: underline;"><strong>Tow Truck Insurance Quotes</strong></span>. The main components of <strong>tow truck insurance quotes</strong> are:<br /> <img src="/img/~www.insurancenavy.com/tow%20garage.jpg" style="float: right;" alt="tow truck insurance Chicago Illinois" longdesc="affordable quality tow trucks in Chicago Illinois" /><br /> 1.<strong> Auto Liability</strong>. The minimum required limited vary based on truck weight and state of operations. Most states require a minimum of $500,000 for most flatbed tow trucks. However if the tow trucking business requires any MC filing with the&nbsp; Federal Motor Carrier Safety Administration (FMCSA) then the limit may be $750,000 on auto liability. This is perhaps the most expensive part of coverage. In <strong>Chicago tow truck insurance quotes</strong> business the rates is between $2,800 to $3,000 annually with smaller premium for suburban residents.<br /> 2.&nbsp;<strong> Onhook Insurance Coverage</strong> (On Hook) or <span style="text-decoration: underline;">physical damage coverage</span> This is comprehensive and collision on towed vehicles while on hook. If the towed vehicle is off hook there is no coverage here. This is another name for Garagekeepers liability. Off hook coverage, if it is on the policy, will cover towed vehicles while they are of hook. This is not an expensive coverage. In Chicago on hook coverage costs about $250, more or less, for $25,000 on hook coverage.<br /> 3. <em>Garage Liability,</em> is liability arising from using&nbsp; customers vehicles. This includes premises liability too. This coverage, too, is not an expensive coverage. In Chicago garage liability runs about $300 annually for limits similar to the auto liability above.<br /> 4. <em>Physical Damage, or comprehensive and collision</em> coverage on own towing trucks. This coverage costs about 2.5% to 4.5% of the value of the truck, plus or minus. For a newer tow truck with a value of $70,000&nbsp; comprehensive and collision may run between $1,750 to $3,150, or about $1,400 difference.<br /> &nbsp;<br /> Split Coverage is a method that is used to either minimize costs or get more suitable deal.&nbsp; The above coverages can be divided between 2 or more companies based on the preference of companies and premiums details. Hence trucking insurance rates and quality of insurance can be maximized.<br /> &nbsp;<br /> A serious problem of split coverage insurance in the trucking business occurs when there is a claim, where the claim needs to be shared by two companies. In cases like that insurance companies may blame each others for the delay in processing the claim.urn:uuid:abf9ffc4-679a-4af4-b1ee-0a742186b51eCar Insurance Rates for Rosie O'Donnell or Bill Gates Mean More&nbsp; than Expense by Ed Sneneh, Chicago Auto Insurance Producer Auto insurance quotes for Rosie O'Donnell for a new Rolls Royce Phantom Drophead &nbsp;should not be structured and pres...Sat, 10 Sep 2011 13:03:36 -0500<h1>Car Insurance Rates for Rosie O'Donnell or Bill Gates Mean More&nbsp; than Expense</h1> <p>by Ed Sneneh, <strong>Chicago Auto Insurance</strong> <span style="font-size: 13px;">Producer<br /> <br /> Auto insurance quotes for Rosie O'Donnell for a new Rolls Royce Phantom Drophead &nbsp;should not be structured and presented the same way as Auto insurance quotes for an average car to an average person on the streets of Chicago, Illinois. Auto Insurance Quotes are not all the same, and they do not mean the same to all people.</span></p> <h1></h1> <div></div> <p style="margin: 0cm 0cm 10pt;"><span style="font-size: 13px;"><strong>Auto insurance quotes</strong> presented to an average teen, with no wealth, driving an average high mileage vehicle on the streets of Chicago is probably geared toward convincing the teen that the auto insurance is mandatory by law, and the teen may lose his or her driving privilege if caught driving without insurance. <strong>Low car insurance rates</strong>, and paying the cheapest car insurance premium is the main factor that will affect the teen.</span></p> <p style="margin: 0cm 0cm 10pt;"><span style="font-size: 13px;"><strong>Car insurance rates</strong> mean something else for someone with little wealth. The low cost of auto insurance will still be the main &nbsp;factor in the purchase decision, but protecting the little wealth is another factor. The quality of the insurance is important For someone with little wealth.</span></p> <p style="margin: 0cm 0cm 10pt;"><span style="font-size: 13px;">For people with more wealth, more attention needs to be paid to the amount of coverage provided (limits of auto insurance), and the quality of the insurance, as well as the financial strength of the company providing the coverage. At certain point, auto insurance rates are meaningless.<strong> Limits of liability insurance</strong> and financial strength rating of insurance carriers are the only key factors.</span></p> <p style="margin: 0cm 0cm 10pt;"><span style="font-size: 13px;"><strong>Auto Insurance Quotes</strong> to famous or wealthy people like Rosie O'Donnell or Bill Gates are meant to protect their wealth, not to save them a couple of dollar. However, even in this case, a dollar saved is a dollar made.&nbsp;To&nbsp;c<strong>omparing car insurance rates</strong> in this case takes a different dimension.</span></p>urn:uuid:04dafd30-615f-4402-9dc9-b159e1b740a0<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />If you&rsquo;re residing in Chicago, one of the necessary steps you need to take is to get your vehicle protected. The City of Chicago is very large, and when you add the over 50 suburbs surrounding it the population is huge. There are large numbers ...Sat, 10 Sep 2011 01:00:25 -0500<p>If you&rsquo;re residing in Chicago, one of the necessary steps you need to take is to get your vehicle protected. The City of Chicago is very large, and when you add the over 50 suburbs surrounding it the population is huge. There are large numbers of cases of vehicle collisions and other vehicle accidents in various locations within the city and suburbs. People do lose their lives in such accidents. You really need to get adequate protection through a reputable <strong>Chicago</strong><strong> Auto Insurance Agency. </strong></p> <p>Basically, Chicago<strong> Auto Insurance</strong> is usually purchased for trucks, passenger cars and even motorcycles (as an endorsement). Its basic primary use is for the provision of financial protection against any form of body injury or physical damage that may result from vehicle accidents. When you succeed in securing the insurance policy, your car and your wealth are properly protected. Of course, lets not forget the fact that you are complying with the law that mandates insurance. </p> <p>In Chicago just like every other city in various states of America, there are specific terms and conditions that govern the auto insurance policy. There are lots of legal regulations you need to know. You can easily find out more about them by checking the Illinois Department of Insurance website or from certain literature of&nbsp; a reliable <strong>Chicago Car Insurance company</strong>. </p> <p>In most cases, there are specific coverage levels involved in the auto Insurance policy. The entire Illinois state is actually involved. There are <strong>different Illinois Insurance Rates </strong>available at various insurance companies. There also <strong>different Illinois SR22 Rates </strong>available. All these come into play when you want to secure suitable auto insurance for your vehicle. <img src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" alt="Auto Insurance Quotes, SR22 Insurance Rates" longdesc="Online Auto Insurance Quotes, Online SR22 Insurance Rates" /></p> <p>In Chicago for instance, there are SR22<strong> quotes </strong>available for everyone that wants to have access to them. The <strong>Chicago</strong><strong> SR22 quotes </strong>can easily be gotten from reliable insurance companies who are always ready to guide you through the process of securing the SR22 form. Googling 'auto insurance in Chicago" will provide you with a list of agencies that offer coverage. AM Best (www.ambest.com) offers reviews of the financial strength of insurance companies.</p> <p>Meanwhile, the <strong>Chicago Auto Insurance </strong>covers various aspects such as the insured party, the insured vehicle, and the third party. Medical payments coverage as well as Uninsured Motorist Coverages are usually what the insured party is concerned about because they are made to compensate the Insured. Physical damage is also what the insured vehicle is concerned about in the event&nbsp; of newer vehicles. Then, third particles may include other people, cars, bodily injury, and property damage and so on. </p> <p>Indeed, there are other necessary aspects you need to know about <strong>Chicago</strong><strong> Auto Insurance. </strong>In order to get the best of the details, you need to contact a reliable Car Insurance company or agent. You&rsquo;re sure to succeed in grabbing the auto insurance when you must have known the terms and conditions involved.</p>urn:uuid:4aea7018-e172-4f14-8cfa-b699205b4d22<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/wc%20ad.jpg' align='left' />Workers&rsquo; Compensation and Employer&rsquo;s Liability Are Excluded Coverage from Commercial General Liability by Ed Sneneh, Commercial General Liability Specialist Work Related Injuries: Commercial General Liability, known as CGL, provides busin...Sat, 10 Sep 2011 00:15:27 -0500<p>Workers&rsquo; Compensation and Employer&rsquo;s Liability Are Excluded Coverage from Commercial General Liability<br /> by Ed Sneneh, <span style="text-decoration: underline;"><em><strong>Commercial General Liability Specialist</strong></em></span></p> <p><em><span style="text-decoration: underline;"><strong>Work Related Injuries</strong></span></em>: Commercial General Liability, known as CGL, provides businesses and their officers and owners. Commercial general liability came to replace an older concept , comprehensive general liability, an insurance coverage that was sold to business till late 1980s. CGL provides coverages on the business premises,&nbsp; business operations, products &amp; completed operations; as well as Personal &amp; Advertising injury. It is clear that the CGL policy does not cover everything, and their are many liability exposures that are specifically excluded from CGL. One of these main and important exclusion is related to liability arising from lawsuits brought against employees by own employees.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Liquor Exclusion.</strong></span></em> CGL specifically states that it will not cover any bodily injury or property damage caused by someone intoxicated why purchased liquor from the business. For that reason, liquor stores, restaurants serving alcoholic beverages, and taverns and night clubs, must purchase a liquor liability policy before the State provides them with the license.<img longdesc="Illinois Workers Compensation Quotes" alt="Workers Compensation Insurance" style="float: right;" src="/img/%7Ewww.insurancenavy.com/wc%20ad.jpg" /></p> <p><em><span style="text-decoration: underline;"><strong>Care, Custody or Control Exclusions</strong></span></em>. Commercial General Liability insurance is made to provide cover against &ldquo;third party&rdquo; exposures. The&nbsp; exclusion applies to damages to property used, owned or leased to the insure or the property that is in the 'care, custody or control'. This applies too to the insured or property on which the insured had control over.&nbsp; Example: XYZ Corp is a mechanic shop located on Main Street. Because of high wind the outdoor sign of the business broke down and landed on a vehicle parking underneath the sign. If the vehicle is owned by the insured business then there business insurance will not offer any coverage. If the destroyed vehicle belongs to a customer who brought the vehicle for repair at XYZ then there will be no coverage under the CGL (it could be covered under garagekeepers liability). If the vehicle is owned by a total stranger who just legally park their vehicle in that place then CGL will kick in and will cover the loss. This is similar to bailee coverage which is also excluded (Example: Customers clothes left at dry cleaners are not covered under CGL, and they need Bailee Coverage.)<br /> <br /> <em><span style="text-decoration: underline;"><strong>Auto Liability</strong></span></em>&nbsp; on any auto, owned, hired or no owned, is excluded from CGL. Special coverages may be purchased based on the needs of the business.<br /> <br /> <span style="text-decoration: underline;"><em><strong>X, C and U Exclusions</strong></em></span>, or Exclusion of Explosion, Collapse and Underground</p> <p>CGL specifically exclude certain losses resulting from explosion, collapse and underground activities. These coverages can be crtical to certain construction contracts. Customers may ask to remove them from exclusion by endorsement (will cost more.)<br /> <br /> <em><span style="text-decoration: underline;"><strong>War</strong></span></em>. Liability claims caused by acts of wars, declared or not, are not covered under liability policy.</p>urn:uuid:34306e68-e3e4-4b62-aa51-d84ff71e852a<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />by Ed Sneineh, Auto Insurance Quotes Specialist One of the main challenges to the average consumer is to figure out how the auto insurance rates are determined by the auto insurance companies. Determining the rates of auto insurance is critical to t...Fri, 09 Sep 2011 03:18:10 -0500<p>by Ed Sneineh, <span style="text-decoration: underline;"><em><strong>Auto Insurance Quotes Specialist</strong></em></span><br /> <br /> One of the main challenges to the average consumer is to figure out how the auto insurance rates are determined by the auto insurance companies. Determining the rates of auto insurance is critical to the auto insurance companies because the rates will determine first the competitiveness of the insurance company and the profitability of the company.</p> If the <em><span style="text-decoration: underline;"><strong>auto insurance rates</strong></span></em> are set too high by a company compared to its competitors then the company stand a chance to lose its customers. &nbsp;Also the company will perhaps lose some of its captive or independent agents who market the auto insurance, because customers are doing their share in shopping for low auto insurance rates.If the company adopts very low <em><span style="text-decoration: underline;"><strong>car insurance rates</strong></span></em> then the profitability will suffer and the company may lose its credibility during claims handling, hence it may lose customer. To cut on cost during low profitability a company may have to lay off employees, agents, and even shut down some office. That can also be distressing to agents and consumers as well.It is very important for <em><strong>car insurance quotes</strong></em> shoppers to understand that extremely low auto insurance rates are not a good sign. Some financially distressed insurance companies may resort to take drastic measures in offering very low auto insurance rates, to &nbsp;get as many customers (and cash) as possible. But this will lead to a disaster unless the company is using this as a temporary measure and in connection with another marketing strategy. <p><em><span style="text-decoration: underline;"><strong>Auto insurance quotes</strong></span></em> shoppers should consider it an alarming sign if a company is offering significantly too good to be true price! Remember that the insurance is about a promise, a promise made by the insurance company to provide protection for your wealth and assets in the event of a covered loss. Many companies in the US could not make it under the intense competitive forces or poor management or both. &nbsp;For that reason, the rate you pay is not the value of the credit card&nbsp; charge or check you pay to your agent. It is also the time you may have to pay in dealing with a distressed company.&nbsp; <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img longdesc="Auto Insurance Rates,Auto insurance quotes,car insurance rates,Auto Insurance Quotes" alt="Cheap Auto Insurance Quotes" style="float: right;" src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" /></a></p> <p>So what is the solution? Shopping on the phone or even on line may not be the answer for most people. It is always best to ask for, and accept, the advice of your agent. All agents are eager to make more money, but the reputable agents realize that more money may come only in the long run with proper advice and greater customer service.</p>urn:uuid:e7ace4c2-2ae3-4d00-bf7c-e6fd15aa911e<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Areas Covered By Illinois Car Insurance Illinois Car Insurance offers adequate financial protection for vehicle owners in an event of traffic collisions and other related car accidents. In almost every city within the state, accidents are regular occ...Fri, 09 Sep 2011 00:45:03 -0500<p><strong>Areas Covered By </strong><strong>Illinois</strong><strong> Car Insurance</strong></p> <p><strong>Illinois Car Insurance </strong>offers adequate financial protection for vehicle owners in an event of traffic collisions and other related car accidents. In almost every city within the state, accidents are regular occurrences. Properties are usually damaged. Bodily injuries also result when there&rsquo;s a car accident. If you want to be properly protected alongside with your vehicle, you need to locate a Car insurance policy that can serve. </p> <p>In Illinois, the Car Insurance is mandatory and&nbsp; offered in almost every cities within the state. Those who are residing in Chicago can always make do with <strong>Chicago</strong><strong> Car Insurance. </strong>This is designed to offer them adequate financial protection in an event of car accident in any part of the city. There are specific and different Car insurance rates in almost every city within Illinois, and the rates even vary within the same city, and interestingly, sometimes within the same neighborhood. You can easily access the <strong>Illinois Car Insurance Rates </strong>anytime through various resources on line. Many insurance companies in the state are offering the latest rates that can suit anybody who is interested in securing Car insurance. </p> <p>There&rsquo;s also the issue of <strong>SR22 Rates </strong>within Illinois. You can access the <strong>Illinois SR22 </strong>from any location where you&rsquo;re residing. Those who stay in Chicago can grab the latest information from <strong>Chicago</strong><strong> SR22 Quotes. </strong>This can protect those of them who still drive their vehicles without auto Insurance. <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" alt="auto insurance quotes" style="float: right;" longdesc="car insurance quotes online" /></a></p> <p>Meanwhile, there are specific areas covered by <strong>Illinois</strong><strong> Car Insurance. </strong>There&rsquo;s the general coverage which includes issues relating to physical damage, bodily damage and so on. The damage of other people&rsquo;s properties is also covered where applicable. </p> <p>There&rsquo;s also the issue of liability coverage which focuses mainly on property damage and bodily injury which may result from the car accident. There&rsquo;s usually a fixed dollar amount for each of the areas covered. In most cases, several factors are considered before determining the right financial amount involved. The type of vehicle is considered. The age and driving history of the individual involved are also considered.</p> <p>In any case, there are also lots of terms and conditions involved in the Car Insurance policy. The Insurance Company you&rsquo;re dealing with will always guide you through the entire process involved. Always make sure you locate the best Insurance Company that can offer you the latest Car insurance rates and other details that follow the process. You don&rsquo;t need to rush the process. All you need is to follow whatever guide the company provides for you.<br /> --<br /> Contributed by A Karthik</p>urn:uuid:0a87e9b9-9dc4-4c13-ae5f-8580f0da2522<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />All About Illinois Car Insurance The State of Illinois is always a beehive of activities. From Chicago to many other cities in the State, there are lots of residents who are vehicle owners. It&rsquo;s indeed a very big risk to reside in any part of t...Fri, 09 Sep 2011 00:39:00 -0500<p><strong>All About </strong><strong>Illinois</strong><strong> Car Insurance</strong></p> <p>The State of Illinois is always a beehive of activities. From Chicago to many other cities in the State, there are lots of residents who are vehicle owners. It&rsquo;s indeed a very big risk to reside in any part of the state without having a valid car insurance covering your vehicle, aside from the fact that is is unlawful. The <strong>Illinois Car Insurance </strong>is readily available to offer your vehicle the protection it needs in an event of traffic collision or other vehicle accidents. The insurance policy is also designed to protect the vehicle owner especially when there&rsquo;s a bodily or physical damage involved. </p> <p>Indeed, the <strong>Illinois Car Insurance </strong>is available in various cities within the Illinois state. If you reside in Chicago for instance, you have to look for <strong>Car Insurance quotes</strong> which is exactly meant to offer protection to all vehicles and their owners within the city. You can always get the best car insurance quotes when you visit various insurance companies in Chicago who are offering the policy. </p> <p>The issue of <em><span style="text-decoration: underline;"><strong>car insurance rates</strong></span></em> is one major factor you need to consider when looking car insurance in Illinois. There are several <strong>Illinois Car Rates </strong>available at your beck and call. In most cases, you&rsquo;ll get the latest rates from various insurance companies located at different cities within the Illinois state. When searching for the best car insurance rates, you need to shop around. You can easily search online to get fast result. Many of the insurance companies in Illinois now ply their trades online. You can easily get all you need to know about car insurance when you check them out online. <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" alt="car insurance rates" style="float: right;" longdesc="auto insurance sr22 insurance quotes and rates in Chicago Illinois" /></a></p> <p>Meanwhile, there&rsquo;s also the issue of <strong>SR22 Rates. </strong>Actually SR22 is a document that shows your proof of financial responsibility. If you&rsquo;re caught driving without a car insurance, the document will be required from you and will be your future&nbsp; protector.&nbsp; Again, there are <strong>Illinois Sr22 Rates </strong>available in every city within the state. If you&rsquo;re residing in Chicago for instance, you can easily use Google to locate <strong>Chicago SR22 Quotes </strong>which give you enough room to select the best rate that can suit your purpose. </p> <p>When it comes to securing the <strong>Illinois Car Insurance, </strong>there are some factors you need to consider. There are specific areas the insurance policy covers. In most cases, the coverage areas vary according to various cities within Illinois. Oftentimes, the individuals going for the car insurance are expected to follow an application process. When you succeed in getting the insurance, you&rsquo;re expected to pay a specified monthly fee usually known as insurance premium. This is mainly determined by factors such as the type of your vehicle, driving history, age and so on. </p> <p>In all, you can always get the best of car insurance details in Illinois when you engage a good insurance company.<br /> --&nbsp;<br /> <br /> Contributed by <a href="http://www.cheapillinoissr22.com">A Karthim</a></p>urn:uuid:39b1421b-a2a8-494b-881a-594821552b88PRODUCT LIABILITY INSURANCE by Ed Sneneh,&nbsp; Illinois Insurance Producer The primary goal of products liability insurance is to give protection and pay for damages imposed upon an insured person/ business, by reason of lawsuit or legal action, fo...Thu, 08 Sep 2011 02:59:30 -0500<p><span style="text-decoration: underline;"><strong>PRODUCT LIABILITY INSURANCE</strong></span> by Ed Sneneh,&nbsp; <em><strong>Illinois Insurance Producer</strong></em><br /> <br /> The primary goal of products liability insurance is to give protection and pay for damages imposed upon an insured person/ business, by reason of lawsuit or legal action, for property damages and/ or bodily injuries resulting from the insured&rsquo;s product, if such damages and/ or injuries take place after the insured has finished designing/ making and packaging the product&nbsp; of which the accident happens.</p> <p>Under conventional traditions of contract law, which basically come from the customs of historical marketplaces, makers, distributors&nbsp; and sellers of products were primarily responsible only to their immediate buys for injuries resulting from the use of&nbsp; their defective products. For that reason, a third party who either possessed the product from the buyer (ie as a gift) or suffered bodily injury as a bystander could not recover from the maker, distributor or retailer. However things have changed in the past four decades where an injured third party with no direct relationship&nbsp; to a manufacturer, distributor or retailer of a product manage&nbsp; to recover for damages sustained as a result of a defect in that product. The trend in the modern product liability laws reflect more sophisticated needs for product liability in our society.</p> <p><span style="text-decoration: underline;"><strong>Products Liability Laws in The USA</strong></span></p> <p>The modern legal system recognizes that all the parties including the maker, distributor, and retailer of the product dow owe certain duties to <em><span style="text-decoration: underline;">anyone </span></em>who foreseeably may come in contact, directly or indirectly,&nbsp; with their products. Injured parties and victims of product liability claims may be entitled to recover for the damages they suffered based upon certain different assumptions of liability including negligence, fraud, misrepresentation, and the breach of warranty.</p> <p>Maker of a product, or the manufacturer, owes a duty to practice reasonable care in the designing process, manufacturing process and the distribution and packing process. The maker also is required to warn of any risks or dangers associated with the use of the product that are not clear for the average prudent man. Any breach or negligent performance of these obligations and duties may lead to a&nbsp; liability issue for the manufacturer.</p> In legal contracts including insurance warranties can be express or implied. Express warranties are the seller's or the manufacturer's statements affirmation or fact or promise made concerning the product conformity to certain standards and promise of performance. This is true even if the manufacturer or the seller refrained from using the proper words of 'guarantees' or 'warranties'. On the other hand, an implied warranty comes when the customer makes known to the merchant or manufacturer and advise them about the particular need of the customer and the purpose for which the product is to be used&nbsp; by the customer. The customer here is&nbsp; relying upon the merchant's skill and judgment to choose or provide a suitable product. When a merchant sells products, an <em><span style="text-decoration: underline;">implied warranty of merchantability&nbsp; exist&nbsp;</span></em> - that the product are suitable for the normal purpose for which the products are used. Here, an injured person can collect for bodily injury or property damage caused by breach of any of those warranties. <p>An injured person or victim of bad product may also collect for damages from a merchant of a defective and unreasonably dangerous products, even though the merchant has exercised reasonable care in the design, manufacturing and marketing process of the product. Collecting for damages here are under the assumption that the merchant should assume<span style="text-decoration: underline;"><em> </em></span><em><span style="text-decoration: underline;">strict liability</span></em>.</p> <p><span style="text-decoration: underline;"><strong>Products Liability Coverage and CGL</strong></span></p> <p>Products liability coverage exist in most commercial policies and is usually contained in a Comprehensive General Liability Policy purchased by the businesses. This coverage may be included in many types of policies such as restaurants, grocery stores, taverns druggists&rsquo; or storekeepers&rsquo; liability insurance. Most companies will be reluctant to offer this coverage alone. Normally it is offered along with Premises Liability, and is called Products-Completed Operations Liability. </p>urn:uuid:b5f85bb9-5579-4aaa-8a6e-4b0fadca758fChicago Illinois Liquor Control Requirements by Ed Sneneh, Illinois Insurance Agent Commercial General Liability (CGL) insurance has specific exlussion pertaining to liquors. Actually the Insurance Service Office, and since the middle of 1980s, mad...Tue, 06 Sep 2011 19:58:03 -0500<h1>Chicago Illinois Liquor Control Requirements</h1> <br /> <br /> by Ed Sneneh, Illinois Insurance Agent <p>Commercial General Liability (CGL) insurance has specific exlussion pertaining to liquors. Actually the Insurance Service Office, and since the middle of 1980s, made the language very clear about liquor exclusion from the CGL. </p> <p>Bodily Injury and Property Damage and medical payments coverages of the schedule liability policy exclude liability imposed upon the insured as a person engaged in the business of manufacturing, selling or distributing liquor (or as the owner or landlord of premises used for such purposes) by reason of any statute or ordinance dealing with alcoholic beverages. This exclusion is popularly known as the 'dram shop law exclusion.'</p> <p>Many states, including the State of Illinois, have laws mandating certain liability insurance rules upon owners of business in which alcoholic beverage is sold, as packaged or consumed on premises, based on the concept of making landlords, owners or operators of such businesses liable for accidents and injury which result from the careless dispensing of alcoholic beverages. &nbsp;Coverage under liquor liability does not go beyond bodily injury or property damage. For example, a liquor establishment will not be held liable of one of their drunk patrons slanders someone else.</p> <p>In Illinois, the minimum limits of dram shop or liquor liability is $350,000 Combined Single Limit; each occurrence; or better. Other states may use higher or lower limits. No liquor establishment may be issued a packaged liquor license in Chicago, or tavern license, without showing a valid proof that the liquor licensee has active dram shop insurance in force. The Chicago Liquor Commission issues very specific guidelines that all liquor licensees have to comply with, including specific requirements about Liquor Liability Certificate. </p> <p>Liquor liability rates vary based on the&nbsp; following factors:</p> 1. Nature of business (taverns pay more than packaged liquor stores.) <p>2. Amount of coverage or limits of insurance</p> <p>3. Annual liquor sales</p> <p>4. Other characteristics of the business like hours of operations, live entertainments, dance floors, etc.</p> <p>5. Experience of the business owner and prior insurance claims.<br /> <br /> 6. Company offering coverage.&nbsp;</p>urn:uuid:d7e5e161-4487-4247-9291-bae536f7cf39by Laura Alvarez, Illinois Insurance Agent En el Estado de Illinois un SEGURO DE RESPONSABILIDAD es un castigo directamente de la Secretaria del Estado.&nbsp;&nbsp; El Seguro de Responsabilidad sr 22 es un certificado el cual se explica de dos maner...Tue, 06 Sep 2011 19:13:17 -0500<p>by Laura Alvarez, <span style="text-decoration: underline;"><em><strong>Illinois Insurance Agent</strong></em></span><br /> <br /> En el Estado de Illinois un SEGURO DE RESPONSABILIDAD es un castigo directamente de la Secretaria del Estado.&nbsp;&nbsp; El Seguro de Responsabilidad sr 22 es un certificado el cual se explica de dos maneras:</p> <p style="text-indent: -0.25in;" class="ListParagraphCxSpFirst">1. Certicado de No-Due&ntilde;o SR22 &ndash; Esta poliza cubre al automovilista en la operacion de un auto que no es de su propiedad.&nbsp; Si el automovilista no es propietario de un vehiculo, la RESPONSABILIDAD FINANCIERA va a ser cubierta a travez de este Certificado SR22.</p> <p style="text-indent: -0.25in;" class="ListParagraphCxSpMiddle">2.&nbsp; Certificado Due&ntilde;o de Vehiculo &ndash; Esta poliza cubre los vehiculos propiedad del conductor.&nbsp; El tipo de vehiculo debera ser enlistado en ecertificado SR22 o debera incluir &ldquo;Todos los vehiculos del conductor&rdquo;.</p> <p style="text-indent: -0.25in;" class="ListParagraphCxSpLast">3.Certificado de Due&ntilde;o y Conductor &ndash; Este Certificado cubre todos los vehiculos propios o no propios por el conductor.</p> <p>Un Seguro de RESPOSABILIDAD FINANCIERA se puede obtener contactando una compa&ntilde;ia de seguros y que esta este autorizada para escribir polizas de SR22 en el Estado de Illinois.</p> <p>Cuando se realiza un pago en una Agencia de Seguros, el Agente de Seguros debera someter una requisicion para un Certificado de RESPONSABILIDAD FINANCIERA en la Oficina Principal de la Compa&ntilde;ia de Seguros.&nbsp; Asi mismo el Certificado de SR22 se enviara directamente a la Secretaria del Estado de Illinois en Springfield.<br /> <br /> Aunque la mayoria de las companias someten el Certificado SR22 electronicamente, el proceso pudiera tomar hasta 30 dias.&nbsp; Una vez que ha sido aceptado, la persona recibira una copia de su Seguro de Responsabilidad Financiera SR22 de parte de La Secretaria del Estado de parte de su compa&ntilde;ia de Seguros y una Carta de la Secretaria del Estado.</p> <p>Una vez que el Seguro ha sido aceptado, se debera de mantener hasta que le notifica la Secretaria del Estado (normalmente por un period de 12-36 meses.)&nbsp; Si el Certificado de Responsabilidad Financiera SR-22 expira o se cancela, la compania de seguros por LEY notificara a la Seccion SR-26 Seguridad y Responsabilidad Financiera por una Cancelacion de Certificado.&nbsp;&nbsp; Cuando este se recibe SR-26 Accion Tipo 05 &ndash; Suspencion del privilegio de conducer.&nbsp; Esta suspension no puede ser removida hasta que se haya reinstalado el seguro SR-22.</p>urn:uuid:69fb2ff8-fafc-4e9f-99eb-f33aa589734dby Ed Sneneh, Illinois Auto Insurance Agent People want to know if their auto insurance policy will cover them in the event they rent a car. Actually this is one of the most frequent questions. There is no definitive answers to that question. If y...Tue, 06 Sep 2011 18:56:41 -0500by Ed Sneneh, <span style="text-decoration: underline;"><em><strong>Illinois Auto Insurance Agent</strong></em></span><br /> <br /> People want to know if their auto insurance policy will cover them in the event they rent a car. Actually this is one of the most frequent questions. <br /> <br /> There is no definitive answers to that question. If you are interested in knowing whether or not you are covered you need to contact your agent, or even, better, your company. The following are certain points worth discussion.<br /> <br /> 1. Some policies will cover the rental vehicles for liability insurance. Car insurance policies that normally covers rental vehicles are policies that are issued according the guidelines of the Insurance Service Office (ISO). Since car insurance companies are not obligated to follow the ISO guidelines when it comes to Personal Auto Coverage, many non standard companies will issue their policies excluding the extension of liability coverage to renal vehicles, unless the customer's (insured) vehicle is in repair because of a covered loss (ie the rental vehicle is a substitute car.)<br /> <br /> 2. Similar rules apply to comprehensive and collision coverage. This means that whether you have it or not it depends on the company you are dealing with. But even if you are dealing with a preferred auto insurance company you will have no comprehensive and collision coverage on the rental auto unless you have similar coverage in your policy on one of the vehicles you are insuring. Also, your protection on the rental vehicle is limited to the value of the most valuable vehicle that you have insured for comprehensive and collision. Example: If you have comprehensive and collision coverage on a 2001 Honda Civic, with a market value of $3,500 and you decided to rent a 2011 Mercedes S500, then your protection on the rental Mercedes is only $3,500!<br /> <br /> It is clear that the lack of a true standardized policy that all insurance companies adhere to, and the use of what customers call 'vague language' in some contracts are the main reasons behind this confusion. Some people rely on assumptions that their policies do or do not cover specific situations. The coverage offered under your friend's auto insurance policy with Company X is not the same coverage that you have for your auto insurance with Company Y!<br /> <br /> Reading your policy can assist you, and can save you lots of unwanted aggravation and pain. If you are a frequent user of rental cars purchasing a non-owner auto insurance policy may help. Just make sure that you are not using the rental car to conduct business, because personal non owner will not cover any liability resulting from using the rental vehicles for business purposes. If you have a business, your business policy may provide coverage for hired and non owned auto, so you may need to check your business policy. If you can afford the additional cost for insuring the rental car this may be the most convenient (and less heart aching) choice.urn:uuid:9dd06ce7-9be6-41fd-bcca-afeb808f0856Personal Umbrella Insurance Litigation is part of the modern society where people will sue each other for serious breach of contract or for harm resulting from negligent acts. Without insurance, many people face the possibility of having wealth and...Wed, 31 Aug 2011 14:46:00 -0500<h1>Personal Umbrella Insurance</h1> <br /> <br /> Litigation is part of the modern society where people will sue each other for serious breach of contract or for harm resulting from negligent acts. Without insurance, many people face the possibility of having wealth and saving or income confiscated to pay for the cost of legal allegations against them. The personal umbrella liability insurance policy significantly make the protection of people's wealth happen. Despite that, the personal umbrella policy still has limitations and exclusions and does not offer complete liability protection for every scenarios that might face a person. <br /> <br /> <span style="text-decoration: underline;"><strong>Non Standardized Personal Umbrella Insurance policies</strong></span><br /> <br /> Personal umbrella contracts are not standardized contracts. Unlike auto insurance and home insurance, there was never a standard personal umbrella liability policy. Each and every insurance company offering personal umbrella coverage produced its own unique contract policy. The scenario has changed somehow with the modern changes made on the ISO insurance contracts. <br /> <br /> At the same time insurance companies can nowadays adopt the standardized ISO insurance contract, the vast majority of insurance companies continue to utilize their own forms and contracts.&nbsp; For most customers this was confusing and, unfortunately, this has caused&nbsp; great disparities amongst personal umbrella insurance contracts. As a result, the following discussion is general in nature. However, it is important to remember that the appropriate&nbsp; policy for a particular individual is the one that best covers his or her specific loss exposures, and a thorough evaluation of policies is often appropriate. <br /> <br /> <br /> <span style="text-decoration: underline;"><strong>General Nature of Personal Umbrella Insurance Contracts</strong></span><br /> <br /> Personal umbrella contracts are designed&nbsp; primarily to provide protection for catastrophic liability claims or judgments.&nbsp; Limits available for personal umbrella contract range from $1 to $10 million. Personal umbrella offers protection for bodily injury, property damage liability, as well as personal injury liability.<br /> <br /> <span style="text-decoration: underline;"><strong>Requirements for Personal Umbrella Insurance</strong></span><br /> <br /> Personal umbrella policies require&nbsp; the that the insured people carry certain underlying liability coverages, with specific minimum amount. The underlying include auto liability insurance, watercraft insurance, and a homeowners or other policy. When a claim is filed under an underlying contract, the umbrella policy will kick in only after the limits of the underlying contract&nbsp; are reached. The umbrella insurance contract is an excess policy and will pay up to its limits so that the insured person actually has an amount of protection equal to the total of the limits of the umbrella contract and the underlying policy.<br /> <br /> For example, George has a $1 million umbrella contract and an auto liability policy of the required underlying limit of $100,000&nbsp; per person. If a legal judgment of $350,000 is brought against him by someone injured by an auto crash caused by George, the underlying car policy will pay $100,000 and the umbrella contract will pay the balance $250,000.<br /> <br /> In the events when&nbsp; an underlying policy does not cover a particular claim that is not excluded from a umbrella contract, the umbrella contract becomes the primary insurance policy, and the umbrella insurer becomes the primary insurer. In this case the umbrella insurer will cover the entire claim subject to a <em><span style="text-decoration: underline;"><strong>self-insured retention</strong></span></em> (SIR). The SIR is similar to to a deductible in auto insurance. It necessitate the insured person to pay the first&nbsp; part of the loss&mdash;something like $500, before the insurance company commence paying. SIR amounts do vary from a company to another by company and can be $250 or $2,500 or even higher (higher SIR amounts mean lower premiums). The SIR will not apply to losses covered by underlying contracts. <br /> <br /> <span style="text-decoration: underline;"><strong>Drop Down Coverage</strong></span><br /> <br /> Drop down coverage refers to the situation when an umbrella insurance contract covers a loss not covered by underlying insurance. This is when the umbrella become primary, not excess. In actuality, the umbrella protection <span style="text-decoration: underline;"><em>drops down</em></span> to cover the all of the claim, excluding the SIR, instead of acting as excess insurance.<br /> <br /> Besides paying liability losses, most umbrella contract offer extra protection and pay defense expenses that are not covered by underlying contract. The umbrella contracts also provide various other supplementary coverages such as premiums on appeal bonds, expenses for lost wages incurred at the company&rsquo;s request, etc. Some jurisdictions necessitate that the insured person be given the right to extend umbrella coverage uninsured and underinsured motorists insurance coverage!urn:uuid:4fc46d6a-457f-4dab-8e8e-ad538ea6a50c<img src='images/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg' align='left' />How Are Auto Insurance Claims &amp; Losses Settled? The insurance company&rsquo;s limit of auto liability is typically the least amount of (a) the ACV (actual cash value) of stolen or damaged auto or (b) the dollar amount needed to fix or replace t...Wed, 31 Aug 2011 12:02:55 -0500<h1>How Are Auto Insurance Claims &amp; Losses Settled?</h1> <br /> <br /> The insurance company&rsquo;s limit of auto liability is typically the least amount of (a) the ACV (actual cash value) of stolen or damaged auto or (b) the dollar amount needed to fix or replace the auto/ auto parts with another auto/ auto parts of like kind and quality. Furthermore, there is a $500 set as the maximum payment for loss/ damage to a nonowned trailer, and $1,000 is the maximum amount for equipment designed solely for the reproduction of sound that was an addition (was not made by the vehicle manufacture.) <br /> <br /> Auto insurance companies have the legal rights to compensate for losses in money or to repair or replace damaged or stolen property. The companies also have the choice of turning back stolen autos/ parts to the insured person and paying any damages that results from the theft, or of maintaining all or part of the autos/ parts and compensating the insured person an agreed upon value or&nbsp; or appraised amount. Claims payments in the form of money shall include all related sales tax.<a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="images/%7Ewww.insurancenavy.com/Chicago%20auto%20insurance.jpg" style="float: right;" alt="Auto Insurance Quotes" longdesc="Auto Insurance Quotes in Chicago Illinois" /></a><br /> <br /> All auto insurance policies do include appraisal terms and provisions that apply to scenarios when the insurance companies and insured person do not or can not agree on the total amounts of claim or loss.<br /> <br /> Anytime&nbsp; there is other auto insurance policy on the same auto, losses are settled on a pro rata basis. There is an exception to that whic is related to coverage on a non owned aut. Coverage on non owned auto&nbsp; is excess over other collectible insurance.urn:uuid:a905091c-e6cb-4e29-b073-fa43c30704a5<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' /> What Is Covered Under Uninsured Motorists Chicago Auto Insurance An important part of the auto policy is called Uninsured Motorists. In Illinois, and most other states, the coverage is part of the state's mandatory insurance. In the standard ISO's...Wed, 31 Aug 2011 01:10:29 -0500<span style="font-size: 18px;"> <h1>What Is Covered Under Uninsured Motorists</h1> <br /> <em><span style="text-decoration: underline;"><strong>Chicago Auto Insurance</strong></span></em><br /> <br /> An important part of the auto policy is called Uninsured Motorists. In Illinois, and most other states, the coverage is part of the state's mandatory insurance. In the standard ISO's personal auto policy, or the PAP, part C of the policy provides uninsured motorists coverage. Underinsured Motorists coverage is not mandatory, but is offered in many states. <br /> <img alt="" /><br /> According to&nbsp; Part C of, the Personal Auto Policy (PAP) the insurance company agrees to pay compensatory damages that an insured becomes legally entitled to recover from crashes caused by the titleholder or driver of an uninsured auto because of bodily injury. Note that compensation for property damages caused by Uninsured Motorists is not automatically included in most states. <br /> <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" alt="Chicago SR22 Insurance Quotes" longdesc="Online SR22 Insurance quotes Chicago Illinois" /></a><br /> Uninsured Motorists coverage applies to certain auto insurance claims related to medical expenses, lost earnings, as well as pain &amp; suffering.&nbsp;Uninsured Motorists does not include any coverage for punitive or exemplary damages.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Uninsured Motorists Coverage Limits</strong></span></em><br /> <br /> Uninsured Motorists coverage limits is subject to state requirements. There usually is a minimum limit of coverage that has be obtained in accordance with financial responsibility laws of the pertinent state. The applicant can purchase more than the minimum. If the auto liability limits (Part A) is higher than the Uninsured Motorists limits (Part C), then a client signature is required to reject the higher Uninsured Motorists limits.<br /> <br /> The insurance company is not&nbsp; legally&nbsp; obligated to pay an uninsured motorists claim unless the titleholder or driver of the uninsured auto is determined to be legally responsible for the &rsquo;s damages incurred to the insured person.<br /> <br /> In Illinois the minimum bodily injury limits is $20,000 bodily injury per person, $40,000 bodily injuries per accident.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Making A Claim Under Uninsured Motorists</strong></span></em><br /> <br /> The insured person should file a claim against his/ her own insurance company and, in the ideal situation, the insured and the insurance company will reach a reasonable settlement, subject to coverage limits and terms and conditions of the policy.<br /> <br /> <em><span style="text-decoration: underline;"><strong>Expanded Definition of Uninsured Autos</strong></span></em><br /> <br /> Part C of the standard auto policy expands its definition an uninsured vehicle as that the one without insurance. Uninsured Autos also include:<br /> </span> <ul> <li><span style="font-size: 18px;">An auto with no insurance coverage<br /> </span></li> <li><span style="font-size: 18px;">An auto with liability insurance limits that are lower than the applicable mandatory state law</span></li> <li><span style="font-size: 18px;">An auto that is operated&nbsp; by a hit-and-run operator<br /> </span></li> <li><span style="font-size: 18px;">An auto whose insurer denies coverage</span></li> <li><span style="font-size: 18px;">An auto whose insurer becomes insolvent</span></li> <span style="font-size: 18px;"><br /> </span> </ul> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Exclusions Applying to Uninsured Motorists</strong></span></em><br /> <br /> Part C, however, specifically excludes certain vehicles from the definition of an uninsured vehicle. These are vehicles that are<br /> </span> <ol> <li><span style="font-size: 18px;">owned by or furnished for the regular use of any family member</span></li> <li><span style="font-size: 18px;">owned or operated by a self-insurer under an applicable motor vehicle law unless the self-insurer is or becomes insolvent</span></li> <li><span style="font-size: 18px;">owned by any government agency unit</span></li> <li><span style="font-size: 18px;">operated on rails or crawler treads</span></li> <li><span style="font-size: 18px;">designed mainly for use off public roads</span></li> <li><span style="font-size: 18px;">located for use as a residence or premises</span></li> </ol> <span style="font-size: 18px;"><br /> The standard personal auto policy of the ISO (PAP) excludes uninsured motorists coverage if an insured person is injured while occupying or struck by an auto that is owned by the insured.<br /> Other&nbsp; exclusions may include covered auto while used without permission&nbsp; of owner, or as a public or livery conveyance.<br /> <br /> It should be remembered that the above is a discussion for th Standard ISO policy called PAP. Many companies adopted their own version hence offering more or less coverage. One should read a policy to answer specific questions about particular scenarios. <br /> </span>urn:uuid:2cfe4af6-5b2b-4d89-8bfe-591861c6a067<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Mexico Auto Insurance Coverage. A Major Restriction On the ISO Personal Car Policies by Edwardo Sneineh, Chicago Auto Insurance Agent Unless there is a legal amendment or endorsement to the contract, the personal auto insurance policy will not provid...Tue, 30 Aug 2011 23:13:59 -0500<h1 class="entry-title">Mexico Auto Insurance Coverage. A Major Restriction On the ISO Personal Car Policies</h1> by Edwardo Sneineh, <strong>Chicago Auto Insurance</strong> Agent <p>Unless there is a legal amendment or endorsement to the contract, the personal auto insurance policy will not provide any protection if and when the insured individual is operating the insured vehicle in any Mexican territory. For that reason it is important that acceptable insurance policy be obtained with one of the authorized auto insurance companies before a trip is taken to Mexico. The company must also be licensed in the country of Mexico. <br /> <br /> To operate a vehicle in Mexico without auto insurance coverage is a criminal offense. Travelers to Mexico can get Mexican insurance coverage at the Mexican border.&nbsp; Also it may be possible to add this insurance to an existing (US) Personal Auto Policy if an the US based insurance company is a member of a foreign insurance syndicate. Some people/ visitors may choose to buy a totally separate policy for any trip to Mexico.</p> <p>Standard ISO's PAP provides '<em><span style="text-decoration: underline;"><strong>Limited Mexico Coverage</strong></span></em>'. However, this article is not the purpose of Limited Mexico Coverage endorsement. The endorsement is primarily utilized by vehicle owners who reside close to the Mexican borders and very <em>often </em>take short trips to Mexico. All auto policy coverages can be obtained:&nbsp; for losses that&nbsp; take place in Mexico within 25 miles of the US- Mexico&nbsp; borders; and the coverage applies only while the insured person is in Mexico for 10 days or less. <br /> <a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" alt="Mexico Auto Insurance in Chicago" longdesc="Chicago car insurance for Mexico at http://www.insurancenavy.com" /></a><br /> The Limited Mexican Coverage endorsement will not defend the insured in Mexico. The insurance carrier will only come to the defense of the&nbsp; insured under the auto liability insurance coverage if the main lawsuit is brought in the US . Furthermore, the US insurer will not provide coverage even if the original lawsuit is against a Mexican citizen or resident. Also, any repair to a covered auto is not covered if the repair is made in Mexico,&nbsp; unless the auto was inoperable. </p> For many individuals who do not live near the US Mexico borders there is a basic need to get separate coverage for any Mexico travel. The Rate is usually estimated based on the territory in Mexico and time length of the trip. If comprehensive and collision coverage is sought the value of the vehicle will also be considered.urn:uuid:34013e60-5b0f-4277-aac0-0f0ec8eaa61e<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Arguments Against And In Favor of No-fault Automobile Insurance The conventional insurance and tort systems for compensating car crash casualties have been subject to reviews and criticism for a long time. The debate and criticisms of this system re...Mon, 29 Aug 2011 00:03:56 -0500<h1>Arguments Against And In Favor of No-fault Automobile Insurance </h1> The conventional insurance and tort systems for compensating car crash casualties have been subject to reviews and criticism for a long time. The debate and criticisms of this system revolve around the following issues:<br /> <br /> <span style="text-decoration: underline; font-size: 13px;"><em><strong>Arguments in Favor of No Fault Auto Insurance</strong></em></span><br /> <br /> <ul> <li>A large number of innocent people are not able to collect anything for their bodily injuries claims under the conventional tort system for the simple fact that their bodily injuries are caused by legally uninsured motorists or hit-and run operators.</li> <li>Bodily injuries from car crashes are a society problem for all insured parties regardless if they are at fault or not. &middot; It is very difficult or impossible to determine who is 100% at fault in an auto crash.</li> <li>The conventional tort system has caused a number of serious claims being not paid or underpaid because of lack of adequate insurance coverage. In other instances, there are lots of proofs that many small auto insurance claims are overpaid to avoid lengthy legal cost and settlements.<a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" alt="Auto Insurance Quotes" longdesc="Auto Insurance Quotes, Illinois Car Insurance Rates, SR22 Quotes" /></a></li> <li>&nbsp;With the conventional insurance and tort systems a bigger percentage of premium money is used to take care of lawyers, not victims (claims costs and lawyers&rsquo; fees).</li> <li>The Conventional tort system is not fast. In some states, delays of 2 to 6 years between an accident and a trial are not uncommon.</li> </ul> <br /> The outcomes of these problems to the conventional systems of compensating car accidents victims have lead to the passage of some sort of no-fault law in over half the states in the United States, besides the District of Columbia and Puerto Rico.&nbsp; <strong>No-Fault States</strong> include <em>Florida, Hawaii,Kansas ,Kentucky ,Massachusetts ,Michigan ,Minnesota ,New Jersey ,New York ,North Dakota ,Pennsylvania , and Utah. </em>The idea of nofault insurance is old having been initially proposed in the 30s. However, the first such law was passed in the State of Massachusetts in the early 70s, and most existing laws date to the 1970s. A few additional states enacted laws in the 1980s and early 1990s. But a few other states also terminated these existing laws.<br /> <br /> <span style="text-decoration: underline;"><em><strong>Arguments in Against&nbsp; No Fault Auto Insurance</strong></em></span><br /> <br /> The lack of interests of more states adopting no fault insurance laws results from many factors against nofault laws, including the following: <br /> <br /> <ul> <li>No fault insurance laws have not produced <span style="text-decoration: underline;"><em>lower </em></span><em><span style="text-decoration: underline;">car insurance rates</span></em>, perhaps because the right to sue is only modified for insignificant injuries.</li> <li>The conventional insurance and tort systems of compensating auto accident victims do perform very well with most claims being solved relatively fast and out of court.</li> <li>The opportunity to sue, in some states, for pain and suffering has not been popular with lawyers and many operators, who feel such suits are their right.&middot; There are methods to alter the present tort systems, such as limiting lawyers&rsquo; fees and increasing the use of arbitration instead of courts.</li> <li>Some of the costs of car accidents tend to be shifted from negligent parties to innocent victims.</li> </ul>urn:uuid:273bcf5c-c96d-4d83-bf41-0dc34dca424a<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />The very first part, Part A ,of the personal auto policy or the PAP provides bodily injury and property damage liability protection to any insured who is legally responsible for an automobile accident because of their negligent behavior. As with othe...Sun, 28 Aug 2011 23:26:33 -0500The very first part, Part A ,of the personal auto policy or the PAP provides bodily injury and property damage liability protection to any insured who is legally responsible for an automobile accident because of their negligent behavior. As with other liability policies, the insurer agrees to pay defense costs until the limit of liability specified on the Declarations Page has been reached by payment of judgments or settlements.<br /> <br /> <span style="text-decoration: underline;"><strong>Auto Liability Insurance Limits</strong></span>: The auto liability insurance limits are selected by the applicant and apply to each covered accident. Note that many non-standard insurers may only provide one set of liability limits, normally the minimum limit required by state laws!! The most recent edition of the personal auto policy is written with split limits, but it can be amended to provide protection based on <em><span style="text-decoration: underline;"><strong>single limit coverage</strong></span></em>. <br /> <em><br /> <span style="text-decoration: underline;">Split Limit Liability Insurance:</span></em> With split limits, there are three separate dollar amounts specified in the <strong>Auto Policy Declaration Page</strong>, such as $20,000/$40,000/ $15,000, that apply to <em>each </em>accident. The first limit is the maximum amount of money that will be paid by your insurance company to any one person suing you for bodily injury; the second limit is the total that will be paid by your insurance company for <span style="text-decoration: underline;"><em><strong>all </strong></em></span>bodily injury claims by others against your at fault accident; and the third limit applies to the total <em>property damage claims</em>. <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /><br /> <span style="text-decoration: underline;"><em>Single Limits Liability Insurance</em></span>: With a single limit, there is one amount that applies in the total to all bodily injury and property damages claims resulting from an at fault auto accident. The limits available vary often range from $50,000 to $500,000 or more.&nbsp; Under no circumstance it the aggregate is below the state aggregate minimum limits. <br /> <br /> Example: Sonia's PAP provides split limits under Part A of $50,000/100.000/50,000. In an at fault auto accident, Sonia injures two people in another vehicle. One is awarded damages of $35,000 and the other is awarded damages of $85,000. Their damaged vehicle, valued at $60,000, is totally destroyed. The insurance company will pay only $100,000 of the $120,000 awards to the other two people because that is the per accident policy limit for bodily injury (the $100,000 will be split proportionally between the two injured people). The insurance company will only pay $50,000 for the damaged to vehicle because that is the policy&rsquo;s property damage limit. <br /> <br /> The auto insurance policy specifies that the insurer's limit of liability shown in the declarations is the most the insurance company will pay, regardless of the number of insureds, claims made, vehicles or premiums shown in the declarations, or vehicles involved in any accident. For example, if a child is involved in an auto accident while driving a family car, the son and both parents might be sued. The policy limits only apply once, not three times. However, if the child has a policy separate than the parents, then the child policy may have to share the cost of the claims too. <br /> <br /> <span style="text-decoration: underline;"><strong>Out of State Auto Accidents</strong></span>: The car policy also contains a condition that amends the limits of liability insurance to meet the limits mandated in a state where an crash occurs if it is a state other than the one where the insured auto is principally located. Any other mandatory coverage, such as no-fault benefits, are also provided for out-ofstate crashes. If you live adjacent to a state which requires higher liability limits than your state, you auto insurance rate have been adjusted to reflect the chance that you might be causing an accident in an area with higher liability limits.<br /> <br /> <span style="text-decoration: underline;"><strong>Other Payments, Defense Cost</strong></span>: The PAP also provides certain supplementary payments for expenses arising from an accident covered by the policy. These payments, like defense costs, are in addition to the stated liabilitylimits. They areup to $250 for bail bonds <ul> <li>interest occurring after a judgment</li> <li>up to $200 per day for loss of wages due to attendance at hearings or trials</li> <li>other reasonable expenses incurred at the insurer&rsquo;s request </li> </ul> The above is a discussion with focus on the ISO's Personal Auto Policy. Note that your policy may be similar the ISO, better, or may have adopted lower standards. You need to read your actual policy!.urn:uuid:ca979474-2c8b-4a49-891b-adc06148b1ea Most analyses of auto insurance contracts concentrate on the more general auto policy contracts- that is the ISO&rsquo; s personal auto policy, or PAP as it often referred to by professionals. Very similar to the homeowners insurance policy contract...Sun, 28 Aug 2011 22:30:23 -0500<br /> Most analyses of auto insurance contracts concentrate on the more general auto policy contracts- that is the ISO&rsquo; s personal auto policy, or PAP as it often referred to by professionals. Very similar to the homeowners insurance policy contract, the personal auto policy is a package policy which means that if offers more than one item. The personal auto policy&nbsp; offers&nbsp; both property &amp; liability insurance protection for members of the family. As is the case with the ISO homeowners insurance contract, some insurance providers could alternatively use their own policy forms and language. However, these new forms tend, in many instance, to be close to the standard&nbsp; Personal Auto Policy. Some of these alteration may be improvement of the standard ISO format (as most preferred insurers may do) while other forms may strip the personal auto policy from important coverages.<br /> <br /> This post looks at the main format of the Personal Auto contract. It should be remembered that, like the homeowners policy, the basic PAP does not meet everyone&rsquo;s needs and often must be changed to suit people needs. This is very well appropriate for people who need extra coverage, or whose situation dictate more planning to protect their wealth and assets.<br /> <br /> <strong>Personal Auto Insurance Policy Format:</strong> The main format of personal auto policy is similar to the format of other policies, that is: Policy Declarations, Insuring Agreement, Policy Terms, and Policy Exclusions. Following the declarations page and the definitions section, the PAP provides four types of insurance protections: &middot;<br /> <br /> <ul> <li>Part A - <strong>Liability Coverage</strong> &middot;</li> <li>Part B - <strong>Medical Payments Coverage</strong> .&middot;In states with nofault laws, this part is replaced with an amendment that provides the required nofault provisions.</li> <li>Part C - <strong>Uninsured Motorists Coverage</strong> &middot;</li> <li>Part D - <strong>Coverage for Damage to Your Auto</strong></li> <li><strong>Part E and Part F</strong>, which outline the duties of an insured after a loss and other policy conditions. </li> </ul> <br /> <strong>Eligibility for Personal Auto Policy</strong>. a <span style="text-decoration: underline;"><em>personal </em></span>auto policy may cannot be issued on all vehicles, but can be issued on certain <em>qualified vehicles </em>owned or leased by an individual or by a spouse living in the same household. Certain other motor vehicles with other forms of ownerships (such as a parent and a child) can also be insured with an amendment. An auto rented to others or used as a public transportation or livery conveyance is not eligible for <em><span style="text-decoration: underline;">personal</span></em> auto insurance coverage and should be insured under a <em><span style="text-decoration: underline;">commercial or business auto policy</span></em>.<br /> <br /> Eligible vehicles include <strong><em><span style="text-decoration: underline;">private passenger autos</span></em></strong>, such as sedan automobiles, vans, and SUVs, owned by the policy owner or leased under a written&nbsp; agreement&nbsp; (six months or longer). Certain pickups may also be eligible vehicles if their gross weight is less than 10,000 pounds. However,&nbsp; regular sedan vehicles, vans and pickups are ineligible for coverage if they are used for the&nbsp; transportation or delivery of goods and materials unless when&nbsp; they are used for farming or when their use is incidental to the named insured&rsquo;s&nbsp; business <em><span style="text-decoration: underline;">(note that some companies that do not adopt the ISO policies may not provide any coverage even for any incidental business exposure)</span></em>. An example of the latter would be an insurance for van of a plumber or handyman repair person. Other vehicles, such as motor homes, motorcycles, golf carts, and snowmobiles can also be insured by an amendment in most states.<br /> <br /> Last,&nbsp; the policy may be changed to offer auto insurance protection to the individual who operates cars but does not own any cars&nbsp; eligible for coverage under a personal policy. This could be an individual who&nbsp; often rents an auto or has use of a company car on a regular basis.<br /> <br /> Shopping for car insurance quotes require some knowledge if or not the company offering the quote is adopting the ISO form or a modified form. It is always a good idea to check for yourself, especially when you shop for a low cost auto insurance policy or cheap auto insurance quotes.urn:uuid:adecf199-5fcd-4759-b54c-9e2b6b4c2090<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Palos Heights IL&nbsp; 60463, Illinois Car SR22 Insurance Rates by&nbsp; Auto Insurance Agent Palos Heights Illinois Palos Heights Illinois Auto SR22 Insurance and Community Profiles, 6...Fri, 19 Aug 2011 02:37:24 -0500<h1>Monthly Starts at $25. Auto Insurance in Palos Heights IL&nbsp; 60463, Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Palos Heights Illinois</span></em></h1> Palos Heights Illinois Auto SR22 Insurance and Community Profiles, 60463<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Palos Heights IL.</strong> Palos Heights is one of the Chicago area suburbs about 17 miles southwest of the Chicago Loop. Palos Heights has a population of&nbsp;&nbsp;11,260 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table cellspacing="0" cellpadding="0" border="0" align="center" width="582"> <tbody> <tr> <td valign="top">Burbank, IL<br /> Midlothian, IL<br /> Worth, IL<br /> Palos Hills, IL<br /> Crestwood, IL<br /> Chicago Ridge, IL<br /> Alsip, IL<br /> <br /> </td> <td valign="top"><br /> <br /> </td> <td valign="top">Oak Lawn, IL<br /> Orland Park, IL<br /> Hickory Hills, IL<br /> Oak Forest, IL<br /> Bridgeview, IL<br /> Justice, IL<br /> Blue Island, IL<br /> Evergreen Park, IL</td> </tr> </tbody> </table> <br /> <br /> <br /> <br /> Palos Heights was incorporated in&nbsp; 1959.&nbsp; In 1965 a group of clergymen and scholars convened to discuss a modern translation of the Bible. Based on that convention the New International Version NIV was established in Palos Heights. Palos Heights is also the home of Palos Community Hospital, the main employer in town.<br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Palos Heights, Illinois 60463 </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Palos Heights . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Palos Heights and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Palos Heights belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Palos Heights IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Palos Heights </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe height="1800" frameborder="0" width="1000" scrolling="no" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Palos%20Heights%20%20%20%20%20%20%20%20%20%20%20&amp;_cityTown=Palos%20Heights%20%20%20%20%20%20%20%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Palos Heights IL 60463.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Palos Heights IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Palos Heights </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Palos Heights &nbsp; </strong></em>IL 60463:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Palos%20Heights%20%20%20%20%20%20%20+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:3f6f1f42-5454-4d7d-9f58-4dbc76c3db10<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Palatine IL 60067, 60074, 60078, 60094, 60095, 60173, 60195, Illinois Car SR22 Insurance Rates by&nbsp; Auto Insurance Agent Palatine Illinois Palatine Illinois Auto SR22 Insurance and Com...Fri, 19 Aug 2011 01:32:27 -0500<h1>Monthly Starts at $25. Auto Insurance in Palatine IL 60067, 60074, 60078, 60094, 60095, 60173, 60195, Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Palatine Illinois</span></em></h1> Palatine Illinois Auto SR22 Insurance and Community Profiles, 60067<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Palatine IL.</strong> Palatine is one of the Chicago area suburbs about 23 miles southwest of the Chicago Loop. Palatine has a population of&nbsp; 67,232 at the 2005 census. Neighboring cities include the following: <br /> .. <table cellspacing="0" cellpadding="0" border="0" align="center" width="582"> <tbody> <tr> <td valign="top">Schaumburg, IL<br /> Barrington, IL<br /> Lake Zurich, IL<br /> Rolling Meadows, IL<br /> Arlington Heights, IL<br /> Buffalo Grove, IL<br /> Prospect Heights, IL<br /> Hoffman Estates, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Elk Grove Village, IL<br /> Vernon Hills, IL<br /> Roselle, IL<br /> Des Plaines, IL<br /> Streamwood, IL<br /> Wheeling, IL<br /> Mount Prospect, IL </td> </tr> </tbody> </table> <br /> <br /> Palatine was incorporated in 1866. Originally the community was about to be named as Yankton, but&nbsp; Palatine was finally adopted. Among the two major economic entities in the village of Palatine is Weber-Stephen Products Co. which <span class="mw-redirect">manufactures Weber grill</span> &amp; Square D as well as Chase Bank credit card payment processing center.<br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Palatine, Illinois </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Palatine . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Palatine and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Palatine belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Palatine IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Palatine </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe height="1800" frameborder="0" width="1000" scrolling="no" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Palatine%20%20%20%20%20%20%20%20%20%20&amp;_cityTown=Palatine%20%20%20%20%20%20%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Palatine IL 60067.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Palatine IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Palatine </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Palatine &nbsp; </strong></em>IL 60067:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Palatine%20%20%20%20%20%20+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:6674d575-c43b-4eb8-8e23-0efa8fba7954<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Orland Hills IL 60487, Illinois Low Cost Car SR22 Insurance Rates by&nbsp; Auto Insurance Agent Orland Hills Illinois Orland Hills Illinois Auto SR22 Insurance and Community Profiles, 60487 ...Thu, 18 Aug 2011 01:23:10 -0500<h1>Monthly Starts at $25. Auto Insurance in Orland Hills IL 60487, Illinois Low Cost Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Orland Hills Illinois</span></em></h1> Orland Hills Illinois Auto SR22 Insurance and Community Profiles, 60487<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Orland Hills IL.</strong> Orland Hills, formerly known as the Village of Westhaven, is one of the Chicago area suburbs about 23 miles southwest of the Chicago Loop. Orland Hills has a population of&nbsp; 6,779 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table cellspacing="0" cellpadding="0" border="0" align="center" width="582"> <tbody> <tr> <td valign="top">Tinley Park, IL<br /> Orland Park, IL<br /> Mokena, IL<br /> Country Club Hills, IL<br /> Crestwood, IL<br /> Midlothian, IL<br /> Oak Forest, IL<br /> Goodings Grove, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Worth, IL<br /> Markham, IL<br /> Hazel Crest, IL<br /> Palos Hills, IL<br /> Frankfort, IL<br /> Palos Heights, IL<br /> Alsip, IL</td> </tr> </tbody> </table> <br /> <br /> Orland Hills was incorporated in 1961 as the Village of Westhaven . In 1986, the name of the village was changed to Orland Hills.<br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Orland Hills, Illinois </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Orland Hills . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Orland Hills and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Orland Hills belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Orland Hills IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Orland Hills </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe height="1800" frameborder="0" width="1000" scrolling="no" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Orland%20Hills%20%20%20%20%20%20%20%20%20&amp;_cityTown=Orland%20Hills%20%20%20%20%20%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Orland Hills IL 60487.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Orland Hills IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Orland Hills </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Orland Hills &nbsp; </strong></em>IL 60487:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Orland%20Hills%20%20%20%20%20+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:2d8a0275-e6fc-4932-ac56-cbe1f9f2d07b<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Orland Park IL 60462 60467, Illinois Cheap Car SR22 Insurance Rates by&nbsp; Auto Insurance Agent Orland Park Illinois Orland Park Illinois Auto SR22 Insurance and Community Profiles, 60462 6046...Thu, 18 Aug 2011 00:56:56 -0500<h1>Monthly Starts at $25. Auto Insurance in Orland Park IL 60462 60467, Illinois Cheap Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Orland Park Illinois</span></em></h1> Orland Park Illinois Auto SR22 Insurance and Community Profiles, 60462 60467<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Orland Park IL.</strong> Orland Park is one of the Chicago area suburbs about 22 miles southwest of the Chicago Loop. Orland Park has a population of&nbsp; 56,767&nbsp; at the 2000 census. Neighboring cities include the following: <br /> <br /> <table cellspacing="0" cellpadding="0" border="0" align="center" width="582"> <tbody> <tr> <td valign="top">Palos Heights, IL<br /> Goodings Grove, IL<br /> Palos Hills, IL<br /> Worth, IL<br /> Tinley Park, IL<br /> Chicago Ridge, IL<br /> Alsip, IL<br /> Hickory Hills, IL<br /> </td> <td valign="top"><br /> <br /> </td> <td valign="top">Midlothian, IL<br /> Mokena, IL<br /> Oak Lawn, IL<br /> Justice, IL<br /> Burbank, IL<br /> Crestwood, IL<br /> Oak Forest, IL </td> </tr> </tbody> </table> <br /> <br /> Orland Park was incorporated in 1909. The Village of Orland Park was founded as a municipality in 1892 when John Humphrey acted as the Village&rsquo;s first mayor until his death in 1914. "45th Best Place to Live In America" was a title given to the Village of Orland Park by&nbsp; <em>Money</em> magazine in 2006.<br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Orland Park </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Orland Park . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Orland Park and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Orland Park belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Orland Park IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Orland Park </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe height="1800" frameborder="0" width="1000" scrolling="no" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Orland%20Park%20%20%20%20%20%20%20%20&amp;_cityTown=Orland%20Park%20%20%20%20%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Orland Park IL 60462.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Orland Park IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Orland Park </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Orland Park &nbsp; </strong></em>IL 60462:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Orland%20Park%20%20%20%20+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:35da5c4c-2c92-4654-86b2-0c7467b341ac<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Car Insurance in Olympia Fields IL 60461, Illinois Cheap auto SR22 Insurance Rates by&nbsp; Auto Insurance Agent Olympia Fields Illinois Olympia Fields Illinois Auto SR22 Insurance and Community Profiles, 60461 ...Thu, 18 Aug 2011 00:34:00 -0500<h1>Monthly Starts at $25. Car Insurance in Olympia Fields IL 60461, Illinois Cheap auto SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Olympia Fields Illinois</span></em></h1> Olympia Fields Illinois Auto SR22 Insurance and Community Profiles, 60461<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Olympia Fields IL.</strong> Olympia Fields is one of the Chicago area suburbs about 25 miles south of the Chicago Loop. Olympia Fields has a population of&nbsp;&nbsp;4,732 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table cellspacing="0" cellpadding="0" border="0" align="center" width="582"> <tbody> <tr> <td valign="top">Park Forest, IL<br /> Chicago Heights, IL<br /> Flossmoor, IL<br /> Matteson, IL<br /> Richton Park, IL<br /> Country Club Hills, IL<br /> Markham, IL </td> <td valign="top"><br /> <br /> </td> <td valign="top">Sauk Village, IL<br /> Harvey, IL<br /> South Holland, IL<br /> Tinley Park, IL<br /> Oak Forest, IL<br /> Homewood, IL<br /> Steger, IL<br /> Hazel Crest, IL </td> </tr> </tbody> </table> <br /> <br /> Olympia Fields was incorporated in 1927. <br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Olympia Fields, Illinois </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Olympia Fields . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Olympia Fields and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Olympia Fields belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Olympia Fields IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Olympia Fields </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe height="1800" frameborder="0" width="1000" scrolling="no" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Olympia Fields %20%20%20%20&amp;_cityTown=Olympia Fields %20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Olympia Fields IL 60453.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Olympia Fields IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Olympia Fields </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Olympia Fields &nbsp; </strong></em>IL 60453:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Olympia Fields +IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:24503020-5618-4b67-aacb-13437b5283c9<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Oak Park IL 60301 60302 60303 60304, Illinois Car SR22 Insurance Rates by&nbsp; Auto Insurance Agent Oak Park Illinois Oak Park Illinois Auto SR22 Insurance and Community Profiles, 60301 Oak Park ...Wed, 17 Aug 2011 22:49:32 -0500<h1>Monthly Starts at $25. Auto Insurance in Oak Park IL 60301 60302 60303 60304, Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Oak Park Illinois</span></em></h1> Oak Park Illinois Auto SR22 Insurance and Community Profiles, 60301<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Oak Park IL.</strong> Oak Park is one of the Chicago area suburbs about 8 miles west of the Chicago Loop. Oak Park has a population of&nbsp; 52,524 at the 2003 census. Neighboring cities include the following: <br /> <br /> <table cellspacing="0" cellpadding="0" border="0" align="center" width="582"> <tbody> <tr> <td valign="top">Forest Park, IL<br /> River Forest, IL<br /> Berwyn, IL<br /> River Grove, IL<br /> Melrose Park, IL<br /> Bellwood, IL<br /> Elmwood Park, IL<br /> Maywood, IL</td> <td valign="top"><br /> </td> <td valign="top">La Grange Park, IL<br /> Franklin Park, IL<br /> Brookfield, IL<br /> Westchester, IL<br /> Norridge, IL<br /> Cicero, IL<br /> Lyons, IL<br /> </td> </tr> </tbody> </table> <br /> <br /> Oak Park was incorporated in 1902. Originally the community was known as Kettlestrings Grove. Around the middle of the 19th century the village changed its name to Oak Ridge. In 1872, the city name was officially changed to Oak Park .&nbsp; The city is affiliated with known characters like Ernest Hemingway and Edgar Rice Burrough.<br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Oak Park, il</strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Oak Park . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Oak Park and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Oak Park belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Oak Park IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Oak Park </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe height="1800" frameborder="0" width="1000" scrolling="no" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Oak%20Park%20%20%20%20%20%20%20&amp;_cityTown=Oak%20Park%20%20%20%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Oak Park IL 60301.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Oak Park IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Oak Park </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Oak Park &nbsp; </strong></em>IL 60301:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Oak%20Park%20%20%20+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:1c5c5cff-c717-4463-8f6a-725a34d58381What Kind of Auto Insurance Discount Available? Ed Sneneh, Chicago auto insurance Agent Auto insurance companies offer various discounts and incentive to encourage clients to purchase insurance from these companies. &nbsp;When shopping for auto insur...Fri, 12 Aug 2011 02:06:06 -0500<p>What Kind of Auto Insurance Discount Available?<br /> Ed Sneneh, <span style="text-decoration: underline;"><em><strong>Chicago auto insurance Agent</strong></em></span></p> <p>Auto insurance companies offer various discounts and incentive to encourage clients to purchase insurance from these companies. &nbsp;When shopping for auto insurance look at the following checklist before you buy, and include any discounts for which you may qualify in your worksheet. These discounts are normally related to one or two of the rates &nbsp;that constitute the full price of your auto insurance policy.</p> <p>For example, installing an alarm or antitheft device will get you a discount on the comprehensive portion of your policy only. This means that the discount will apply to that premium of that portion of your policy. Anti theft device discount will not lower the premium &nbsp;of your liability coverage. </p> <p>Some companies offer certain of discounts that are not offered by others. Level or percentage of discounts are not the same either. &nbsp;For that reason clients need to be sure to ask if &nbsp;or not the company you get a quote from offers the discounts for which you can be entitled for:</p> <ul> <li><strong>Good driver discounts</strong>. Many standard insurance companies give a discount to operators with driving records that are &nbsp;accident- and/or violation free.</li> <li><strong>Mature driver discount</strong>. If you are 50 or 65 years old, certain &nbsp;companies will reduce your premium by 10 to 20 percent, depending on how many miles a year you drive. There is also a discount for drivers 65 and older. It should be noted that age starts to play adverse effect past age 71 years. </li> <li><strong>Car pool operators</strong>. You and your fellow carpool drivers might be entitled to some discounts, 10% to 20 percent from some insurance companies. Non standard insurance companies are not as generous when it comes to this discount.</li> <li><strong>Multi car households, or Multi Car Discount</strong>. You may qualify for some discount if &nbsp;you or your family owns more than one car, listing these cars all on the same auto insurance policy might be good for a 5 to 10% percent discount. </li> <li><strong>Multi policy discounts (Multi Account Discounts</strong>). Certain insurance companies offer a discount when you or your family insure your a boat, or a home (condo, or apartment) with them as well as your car, where allowed &nbsp;by law.</li> <li><strong>Antitheft device (LoJack/Alarm Discount)</strong>. If you make it harder for somebody to steal your car by installing an ignition cutoff system, alarm, or a hood and wheel-locking device, you may be entitled to a discount on the comprehensive premium of your policy (ie not liability premium, towing premium, rental premium, or collision premiums).</li> <li> <strong>Safety Discount, seat belts and air bags</strong>. Certain insurance companies will slice the premium for your medical coverages by as much as 20 or even 30 percent for automatic seat belts or air bags. Remember, the reduction applies to medical coverage only.</li> <li>&nbsp;<strong>Nonsmoking operators discount</strong>. Very few companies offer this discount sometimes. The discount will qualify for lower rates for liability, no-fault (medical benefits coverage) and collision insurance (note that comprehensive is not here!)</li> <li>Many standard companies are offering discounts for completing high school or senior citizen <strong>driver education courses</strong>. </li> <li><strong>Away Student Discount. </strong>When a teen is included in the policy, but the teen attends school 100 miles or more away from the family and does not have an auto, a discount may qualify.</li> </ul>urn:uuid:349ea40a-7c2c-4932-92f3-e98f8a5b6af2<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Oak Lawn IL 60453, Illinois Car SR22 Insurance Rates by&nbsp; Auto Insurance Agent Oak Lawn Illinois Oak Lawn Illinois Auto SR22 Insurance and Community Profiles, 60453 Oak Lawn IL. Oak Lawn is...Fri, 12 Aug 2011 00:52:19 -0500<h1>Monthly Starts at $25. Auto Insurance in Oak Lawn IL 60453, Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by&nbsp; Auto Insurance Agent Oak Lawn Illinois</span></em></h1> Oak Lawn Illinois Auto SR22 Insurance and Community Profiles, 60453<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Oak Lawn IL.</strong> Oak Lawn is one of the Chicago area suburbs about 213 miles southwest of the Chicago Loop. Oak Lawn has a population of&nbsp; 55,245 at the 2000 census. Neighboring cities include the following: <br /> <br /> <br /> <table width="582" height="137" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Chicago Ridge, IL<br /> Burbank, IL<br /> Worth, IL<br /> Crestwood, IL<br /> Palos Heights, IL<br /> Evergreen Park, IL<br /> Alsip, IL</td> <td valign="top"><br /> </td> <td valign="top">Justice, IL<br /> Blue Island, IL<br /> Summit, IL<br /> Palos Hills, IL<br /> Hickory Hills, IL<br /> Bridgeview, IL<br /> Midlothian, IL<br /> Orland Park, IL</td> </tr> </tbody> </table> <br /> Oak Lawn was incorporated in 1909. Originally the community was known as Black Oak or Black Oaks. In 1882, the post office, train station and surrounding area became known simply as Oak Lawn. The community nickname is "Gem of the Suburbs."<br /> <br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Oak Lawn </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Oak Lawn . The agency has a location in the neighboring Palos Hills and Midlothian. There are dozens of insurance agencies in Oak Lawn and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Oak Lawn belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Oak Lawn IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Oak Lawn</a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Oak Lawn %20%20%20%20&amp;_cityTown=Oak Lawn %20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Oak Lawn IL 60453.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Oak Lawn IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Oak Lawn </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Oak Lawn &nbsp; </strong></em>IL 60453:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Oak Lawn +IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:0b28de4d-ad3b-4b81-8f61-46f2905a6b63<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Oak Forest IL 60452, Illinois Car SR22 Insurance Rates by E Sneneh, Auto Insurance Agent Oak Forest Illinois Oak Forest Illinois Auto SR22 Insurance and Community Profiles, 60452 Oak Forest IL. Oak Fo...Fri, 12 Aug 2011 00:36:41 -0500<h1>Monthly Starts at $25. Auto Insurance in Oak Forest IL 60452, Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Oak Forest Illinois</span></em></h1> Oak Forest Illinois Auto SR22 Insurance and Community Profiles, 60452<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Oak Forest IL.</strong> Oak Forest is one of the Chicago area suburbs about 20 miles south of the Chicago Loop. Oak Forest has a population of &nbsp; 28,051 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Midlothian, IL<br /> Crestwood, IL<br /> Alsip, IL<br /> Blue Island, IL<br /> Markham, IL<br /> Country Club Hills, IL<br /> Tinley Park, IL<br /> Hazel Crest, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Flossmoor, IL<br /> Palos Heights, IL<br /> Orland Park, IL<br /> Riverdale, IL<br /> Worth, IL<br /> Harvey, IL<br /> Homewood, IL </td> </tr> </tbody> </table> <br /> <br /> The community of Oak Forest was incorporated as a village in 1947, and&nbsp; in 1971 as a city. The original name of the community in the early 19th century was <strong>Cooper's Grove</strong>. The present name reflects the presence of forest reserves in the area.&nbsp; During the1930s, there was some effort to rename the community to &ldquo;Arbor Park".<br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Oak Forest </strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Oak Forest . The agency has a location in Midlothian and Palos Hills , close to the Oak Forest area. There are dozens of insurance agencies in Oak Forest and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Oak Forest belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Oak Forest IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Oak Forest</a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Oak Forest %20%20%20%20&amp;_cityTown=Oak Forest %20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Oak Forest IL 6452.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Oak Forest IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Oak Forest </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Oak Forest &nbsp; </strong></em>IL 60452:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Oak Forest +IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:47e103ef-c8a1-4379-813a-074258e5a34f<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Northbrook IL 60062 , Illinois Car SR22 Insurance Rates by E Sneneh, Auto Insurance Agent Northbrook Illinois Northbrook Illinois Auto SR22 Insurance and Community Profiles, 60062, 60065 Northbrook IL. No...Thu, 11 Aug 2011 01:56:59 -0500<h1>Monthly Starts at $25. Auto Insurance in Northbrook IL 60062 , Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Northbrook Illinois</span></em></h1> Northbrook Illinois Auto SR22 Insurance and Community Profiles, 60062, 60065<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Northbrook IL.</strong> Northbrook is one of the Chicago area suburbs about 20 miles northwest of the Chicago Loop. Northbrook has a population of &nbsp;33,170 at the 2010 census. Neighboring cities include the following: <br /> <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Deerfield, IL<br /> Prospect Heights, IL<br /> Morton Grove, IL<br /> Wilmette, IL<br /> Highland Park, IL<br /> Glenview, IL<br /> Winnetka, IL<br /> Wheeling, IL</td> <td valign="top"><br /> </td> <td valign="top">Des Plaines, IL<br /> Niles, IL<br /> Park Ridge, IL<br /> Skokie, IL<br /> Buffalo Grove, IL<br /> Mount Prospect, IL<br /> Arlington Heights, IL</td> </tr> </tbody> </table> <br /> <br /> Northbrook was incorporated in 1901 as Shermerville in honor of Frederick Schermer who donated land for train station. The name was changed in 1923 to Northbrook to change public image.<br /> <br /> <span style="font-size: 18px;"><em><span style="text-decoration: underline;"><strong>Auto Insurance in Northbrook</strong></span></em></span><br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Northbrook . The agency has a location on the north side of Chicago. There are dozens of insurance agencies in Northbrook and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Northbrook belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Northbrook IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Northbrook </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Northbrook%20%20%20%20&amp;_cityTown=Northbrook%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Northbrook IL 60422, 60430.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Northbrook IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Northbrook </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Northbrook &nbsp; </strong></em>IL 60422, 60430:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Northbrook+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:1e12dc32-c5fd-4688-a7e9-96c483a96eca<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Niles IL 60714, Illinois Car SR22 Insurance Rates by E Sneneh, Auto Insurance Agent Niles Illinois Niles Illinois Auto SR22 Insurance and Community Profiles, 60714. Niles IL. Niles is one of the Chicago ...Thu, 11 Aug 2011 01:14:44 -0500<h1>Monthly Starts at $25. Auto Insurance in Niles IL 60714, Illinois Car SR22 Insurance Rates</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Niles Illinois</span></em></h1> Niles Illinois Auto SR22 Insurance and Community Profiles, 60714.<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Niles IL.</strong> Niles is one of the Chicago area suburbs about 13 miles northwest of the Chicago Loop. Niles has a population of &nbsp;29,803. at the 2010 census. Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Morton Grove, IL<br /> Park Ridge, IL<br /> Glenview, IL<br /> Skokie, IL<br /> Schiller Park, IL<br /> Evanston, IL<br /> Lincolnwood, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Franklin Park, IL<br /> River Grove, IL<br /> Elmwood Park, IL<br /> Norridge, IL<br /> Des Plaines, IL<br /> Wilmette, IL<br /> Winnetka, IL<br /> Northbrook, IL</td> </tr> </tbody> </table> <br /> <br /> Niles was incorporated in 1899. It is believed that it was named after the nationally distributed newspaper called the <em>Niles Register</em>.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Niles . The agency has a location on the north side of Chicago. There are dozens of insurance agencies in Niles and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Niles belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Niles IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Niles </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Niles %20%20%20&amp;_cityTown=Niles %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Niles IL 60714.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Niles IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Niles </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Niles &nbsp; </strong></em>IL 60714:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Niles+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:3a4b2397-ff9e-4f2d-b04e-3bbc26e85158<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Monthly Starts at $25. Auto Insurance in Mount Prospect&nbsp; IL, Illinois Car SR22 Insurance Rates 60056, 60057, 60058 by E Sneneh, Auto Insurance Agent Mount Prospect Illinois Mount Prospect Illinois Auto SR22 Insurance and Community Profiles, 6...Thu, 11 Aug 2011 00:41:54 -0500<h1>Monthly Starts at $25. Auto Insurance in Mount Prospect&nbsp; IL, Illinois Car SR22 Insurance Rates 60056, 60057, 60058</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Mount Prospect Illinois</span></em></h1> Mount Prospect Illinois Auto SR22 Insurance and Community Profiles, 60056, 60057, 60058<br /> <p><strong>Mount Prospect IL.</strong> Mount Prospect is one of the Chicago area suburbs about 20 miles northwest of the Chicago Loop. Mount Prospect has a population of 56,265 at the 2000 census. Neighboring cities include the following: <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Prospect Heights, IL<br /> Arlington Heights, IL<br /> Des Plaines, IL<br /> Buffalo Grove, IL<br /> Park Ridge, IL<br /> Northbrook, IL<br /> Rolling Meadows, IL<br /> Elk Grove Village, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Wood Dale, IL<br /> Hoffman Estates, IL<br /> Niles, IL<br /> Wheeling, IL<br /> Palatine, IL<br /> Glenview, IL<br /> Bensenville, IL</td> </tr> </tbody> </table> <br /> Mount Prospect was incorporated in 1917, upon the village reaching its 300th resident,&nbsp; and was named like that because it is situated on the highest point in Cook County.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Mount Prospect . The agency has a location in the north side of&nbsp; Chicago . There are dozens of insurance agencies in Mount Prospect and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Mount Prospect belong to captive insurance companies like Allstate insurance, State Farm and America</p> <p>n Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Mount Prospect IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Mount Prospect </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Mount Prospect %20%20%20&amp;_cityTown=Mount Prospect %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Mount Prospect IL 60056, 60057, 60058.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Mount Prospect IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Mount Prospect </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Mount Prospect &nbsp; </strong></em>IL 60056, 60057, 60058:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Mount Prospect+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:ab0c0da4-ba65-4dc2-a527-8fec45fddc4f<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Morton Grove IL , Illinois Car SR22 Insurance Morton Grove by E Sneneh, Auto Insurance Agent Morton Grove Illinois Morton Grove Illinois Auto SR22 Insurance and Community Profiles, 60053, 60054, 60055 Mort...Thu, 11 Aug 2011 00:09:51 -0500<h1>Monthly Starts at $25. Auto Insurance in Morton Grove IL , Illinois Car SR22 Insurance Morton Grove</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Morton Grove Illinois</span></em></h1> Morton Grove Illinois Auto SR22 Insurance and Community Profiles, 60053, 60054, 60055<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Morton Grove IL.</strong> Morton Grove is one of the Chicago area suburbs about 14 miles north of the Chicago Loop. Morton Grove has a population of 22,451 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Des Plaines, IL<br /> Winnetka, IL<br /> Norridge, IL<br /> Niles, IL<br /> Glenview, IL<br /> Skokie, IL<br /> Park Ridge, IL<br /> Lincolnwood, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Northbrook, IL<br /> Schiller Park, IL<br /> Mount Prospect, IL<br /> Elmwood Park, IL<br /> River Grove, IL<br /> Wilmette, IL<br /> Evanston, IL </td> </tr> </tbody> </table> <br /> <br /> Morton Grove was established in 1895 and it was named after Levi Parsons Morton who later became vice president under Benjamin Harrison. Morton Grove came to the spot for its stance on hand gun control.Morton Grove became the first town in America to prohibit the possession of handguns in 1981.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Morton Grove . The agency has a location in the north side of Chicago. There are dozens of insurance agencies in Morton Grove and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Morton Grove belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Morton Grove IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Morton Grove </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Morton Grove %20%20%20&amp;_cityTown=Morton Grove %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Morton Grove IL 60053, 60054, 60055.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Morton Grove IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Morton Grove </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Morton Grove &nbsp; </strong></em>IL 60053, 60054, 60055:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Morton Grove+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:6fa1ffe2-2219-4dbc-ad2a-b8a8a20d3e77What is The Difference Between Occurrence and Accident in Insurance by E Sneneh, Property and Liability Insurance Agent, Chicago There is normally discussion in the policy "insuring agreements" where insurance companies may covers only injuries &ldq...Wed, 10 Aug 2011 22:38:49 -0500<strong>What is The Difference Between Occurrence and Accident in Insurance</strong><br /> by E Sneneh, Property and Liability Insurance Agent, Chicago<br /> <br /> There is normally discussion in the policy "insuring agreements" where insurance companies may covers only injuries &ldquo;caused by accident.&rdquo; Certain types of damages for which an customer may be liable are not &ldquo;caused by accident.&rdquo; The word&nbsp; &ldquo;accident&rdquo; reflects an un-planned, forceful, sudden and unexpected event. It generally pertains&nbsp; a single happening that can be attributed to a definite time, place and cause. The concept also generally annuls a purposely&nbsp; intended act, even though the act may have an unexpected consequence.<br /> <br /> <strong>Accidents Have a Problematic Definitions</strong><br /> <br /> Phrasing of the words &ldquo;accident&rdquo; and &ldquo;caused by accident&rdquo; has proven problematic. Court precedents are by not&nbsp; in harmony. For instance, liability was rejected for disease of a tenant said to have resulted out of the landlord&rsquo;s failure to supply heat. There are cases on both<br /> camps of the issue as to if or not the gradual contracting of a disease or illness (such as radium poisoning or dust diseases) over a long period comprises an accident. Another difficult group of cases is that involving the natural and foreseeable outcome (even though not deliberate) of acts deliberately and purposely undertaken. For instance, dribbling paint down the side of a dwelling by an insured person working on the dwelling was held not to be &ldquo;caused by accident.&rdquo; . Constructing a structure - an intentional act - by mistake over the property line was held not to be an accident.<br /> <br /> <strong>Deliberate Assault or Trespassing Can Be an Acciden</strong>t<br /> <br /> Injuries and damages caused by an assault or purposeful trespass by an insured is, normally, not &ldquo;caused by accident&rdquo;, but that is , of course, from the viewpoint of such insured. Even in this instance, the courts have found that in certain instance that the coverage is valid, based on the fact that the injuries and damages were sudden and accidental (as looked at from the perspective of the injured party). For that reason and in order to protect against an insured&rsquo;s vicarious liability for assault and battery committed by the staff while they are performing their work duties, liability insurance policies usually indicate that assault and battery shall be considered an accident unless committed by or at the instruction of the insured.<br /> <br /> <strong>Replacing "Accident" by "Occurrence" Has A Price</strong><br /> <br /> For the above discussion it is clear that the term "occurrence" is far more comprehensive that the term "Accident". For additional premiums, some insurance companies may restate their language to indicate&nbsp; that the term &ldquo;caused by accident&rdquo; may be deleted and the word &ldquo;occurrence&rdquo; substituted. This substitution will influence not only the coverage but also the limits of liability applicable to allied items of injuries and damages, which may be costly exposure to the insurer. These endorsements usually define &ldquo;occurrence&rdquo; as an event or continuous or constant exposure to conditions, which unpredictably results in bodily during the policy period. Exposure from a single source is ruled to be one occurrence and thus subject to the applicable liability limit.<br /> <br /> <strong>"Occurrence" Basis&nbsp; for Property Damage Is Very Costly</strong><br /> <br /> At the same time&nbsp; occurrence coverage is generously offered for bodily injury, insurers' underwriters are less willing to award an &ldquo;occurrence&rdquo; endorsement when applied to property damage liability. And in the event the underwriters do make the change, the cost of the endorsement is significantly high. This endorsement is specifically dangerous from an underwriting perspective in connection with property damage liability sold under the products-completed operations hazard group. Getting rid&nbsp; of the &ldquo;caused by accident&rdquo; language in such cases may have the unplanned result of making the policy a kind of &ldquo;manufacturers&rsquo; malpractice&rdquo; insurance coverage, protecting against usual and expected claims for re-execution of work or replacement of products because of faulty design or workmanship.<br /> <br /> <br /> <strong>WTC, One Occurrence or Two Occurrence. </strong><br /> <br /> Using vague language by some insurers can hurt them sometimes. The WTC case is a prominent example. The WTC, which was recently acquired by Larry A. Silverstein. An insurance policy underwritten by 24 insurance companies was issued few weeks before the terrorist attack, covering the tower buildings for collective face amount of $3.55 billion. After the attack Larry Silverstein argued that the attack was 2 separate attacks, hence he would be entitled to double the face amount or $7.1 billion. The insurance companies argued that it was one attack that was planned by the same terrorists and was carried out simultaneously (although separated by 16 minutes between the actual impact of the planes.) It took courts several years when they finally divided the 24 insurers into two groups based on their definitions of 'occurrence.' The courts found in April 2004 that 10 of these companies did indeed have narrow definitions of 'occurrence' where the attacks were interpreted as a single occurrence. These companies managed to minimize their losses, and paid only based on share of coverage of $3.55 billion. The remainder of the companies have more liberal wording for 'occurrence' where the sequence of the 911 terrorist attack was interpreted as two occurrences, hence subjecting these companies to pay based on a total loss of $7.1 billion!<br /> <br />urn:uuid:0526a35f-07af-4b58-a3ca-d2fa0bf0599c<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Melrose Park IL 60160, 60161, 60162, Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent Melrose Park Illinois Melrose Park Illinois Auto SR22 Insurance and Community Profiles, 60160, 60161, 601...Wed, 10 Aug 2011 00:59:41 -0500<h1>Monthly Starts at $25. Auto Insurance in Melrose Park IL 60160, 60161, 60162, Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Melrose Park Illinois</span></em></h1> Melrose Park Illinois Auto SR22 Insurance and Community Profiles, 60160, 60161, 60162<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Melrose Park IL.</strong> Melrose Park is one of the Chicago area suburbs about 12 miles southwest of the Chicago Loop. Melrose Park has a population of &nbsp;23,171 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Maywood, IL<br /> Bellwood, IL<br /> River Grove, IL<br /> River Forest, IL<br /> Northlake, IL<br /> Elmwood Park, IL<br /> Westchester, IL<br /> Oak Park, IL </td> <td valign="top"><br /> <br /> </td> <td valign="top">Schiller Park, IL<br /> Elmhurst, IL<br /> La Grange Park, IL<br /> Norridge, IL<br /> Berwyn, IL<br /> Franklin Park, IL<br /> Forest Park, IL </td> </tr> </tbody> </table> <br /> <br /> <strong>&nbsp; Incorporation: </strong>The village was incorporated in 1881 as Melrose. In 1893 the village changed its name by adding the word 'Park', and the new name became Melrose Park. <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Melrose Park . The agency has a location in Maywood Illinois. There are dozens of insurance agencies in Melrose Park and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Melrose Park belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Melrose Park IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Melrose Park </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Melrose%20Park%20%20%20%20&amp;_cityTown=Melrose%20Park%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Melrose Park IL 60160, 60161, 60162.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Melrose Park IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Melrose Park </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Melrose Park &nbsp; </strong></em>IL 60160, 60161, 60162:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Melrose%20Park+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:b008fafb-b517-450a-b6c9-8ea2a63d3eb0<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Maywood IL&nbsp;60153, 60154, 60155 , Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent Maywood Illinois Maywood Illinois Auto SR22 Insurance and Community Profiles, 60153, 60154, 60155 Maywo...Wed, 10 Aug 2011 00:36:59 -0500<h1>Monthly Starts at $25. Auto Insurance in Maywood IL&nbsp;60153, 60154, 60155 , Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Maywood Illinois</span></em></h1> Maywood Illinois Auto SR22 Insurance and Community Profiles, 60153, 60154, 60155<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Maywood IL.</strong> Maywood is one of the Chicago area suburbs about 11 miles west of the Chicago Loop. Maywood has a population of &nbsp;26,987 at the census of&nbsp; 2000. Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Berwyn, IL<br /> River Grove, IL<br /> Elmwood Park, IL<br /> Forest Park, IL<br /> Melrose Park, IL<br /> River Forest, IL<br /> Bellwood, IL<br /> Westchester, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Northlake, IL<br /> Brookfield, IL<br /> Franklin Park, IL<br /> Lyons, IL<br /> Cicero, IL<br /> Oak Park, IL<br /> La Grange Park, IL </td> </tr> </tbody> </table> <br /> &nbsp; Incorporation: The village of Maywood was incorporated in 1881, and before that&nbsp; it was part of an area known as Noyesville. 'May' was the name of the daughter of William T. Nichols, the founder and owner of Maywood Company that was a major real estate investor in 1869. <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Maywood . The agency has a location in Maywood&nbsp; IL on 5th Ave. There are dozens of insurance agencies in Maywood and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Maywood belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Maywood IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Maywood </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Maywood%20%20%20%20&amp;_cityTown=Maywood%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Maywood IL 60153, 60154, 60155.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Maywood IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Maywood </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Maywood &nbsp; </strong></em>IL 60422, 60430:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:baa373ec-80ee-46c4-8b99-886ccd5f4363<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Matteson IL 60443 , Car&nbsp; SR22 Insurance Illinois by - Auto Insurance Agent Matteson Illinois Matteson Illinois Auto SR22 Insurance and Community Profiles,&nbsp; 60443 Matteson IL. Matteson is one of...Wed, 10 Aug 2011 00:17:14 -0500<h1>Monthly Starts at $25. Auto Insurance in Matteson <em>IL 60443</em> , Car&nbsp; SR22 Insurance Illinois</h1> <h1><em><span style="font-size: 13px;">by - Auto Insurance Agent Matteson Illinois</span></em></h1> Matteson Illinois Auto SR22 Insurance and Community Profiles,&nbsp; 60443<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Matteson IL.</strong> Matteson is one of the Chicago area suburbs about 22 miles southwest of the Chicago Loop. Matteson has a population of &nbsp;12,928 at the 2000 census.Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Richton Park, IL<br /> Park Forest, IL<br /> Flossmoor, IL<br /> Chicago Heights, IL<br /> Homewood, IL<br /> Tinley Park, IL<br /> Markham, IL </td> <td valign="top"><br /> <br /> </td> <td valign="top">Oak Forest, IL<br /> Frankfort, IL<br /> Sauk Village, IL<br /> Harvey, IL<br /> Midlothian, IL<br /> Country Club Hills, IL<br /> Steger, IL<br /> Hazel Crest, IL </td> </tr> </tbody> </table> <br /> Matteson was incorporated in 1889 and was named after Illinois Governor Joel Matteson.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Matteson . The agency has a location in Chicago Heights Illinois and in Harvey IL. There are dozens of insurance agencies in Matteson and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Matteson belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Matteson IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Matteson </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Matteson %20%20%20&amp;_cityTown=Matteson %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Matteson IL 60433.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services:<br /> <br /> <br /> <br /> <br /> <br /> <img alt="" width="280" height="181" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /><em><span style="text-decoration: underline;"><strong><br /> </strong></span></em></p> <p><em><span style="text-decoration: underline;"><strong><br /> </strong></span></em></p> <p><em><span style="text-decoration: underline;"><strong>Mattes</strong></span></em><em><span style="text-decoration: underline;"><strong>on I</strong></span></em><em><span style="text-decoration: underline;"><strong>L Cheap Auto Insurance </strong></span></em></p> <ul> <li><em><span style="text-decoration: underline;"><strong><em><span style="text-decoration: underline;"><strong></strong></span></em>Low Cost Car&nbsp; Insurance <em><span style="text-decoration: underline;"><strong><em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em></strong></span></em> </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong>&nbsp;<em><span style="text-decoration: underline;"><strong></strong></span></em>Business Insurance <em><span style="text-decoration: underline;"><strong><em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em></strong></span></em></strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Matteson </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Matteson &nbsp; </strong></em>IL 60433:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:8432d1c6-2ba2-46d8-949f-2ce04c8d8559<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Markham IL, Car Insurance, SR22 Insurance by - Auto Insurance Agent Markham Illinois Markham Illinois Auto SR22 Insurance and Community Profiles, 60428 Markham IL. Markham is one of the Chicago area subu...Tue, 09 Aug 2011 23:56:54 -0500<h1>Monthly Starts at $25. Auto Insurance in Markham IL, Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by - Auto Insurance Agent Markham Illinois</span></em></h1> Markham Illinois Auto SR22 Insurance and Community Profiles, 60428<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Markham IL.</strong> Markham is one of the Chicago area suburbs about 22 miles southwest of the Chicago Loop. Markham has a population of &nbsp;12,620 at the 2000 census. Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top"><br /> <br /> </td> <td valign="top">Hazel Crest, IL<br /> Country Club Hills, IL<br /> Midlothian, IL<br /> Homewood, IL<br /> Flossmoor, IL<br /> Riverdale, IL<br /> Blue Island, IL<br /> South Holland, IL</td> <td valign="top">Tinley Park, IL<br /> Dolton, IL<br /> Crestwood, IL<br /> Alsip, IL<br /> Matteson, IL<br /> Oak Forest, IL<br /> Harvey, IL </td> </tr> </tbody> </table> <br /> <br /> Incorporations: The city of Markham, named after president of the <span class="standard">Illinois Central Railroad</span> at that time,&nbsp;Charles H. Markham, was incorporated in 1925.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Markham . The agency has a location in Chicago Heights Illinois and in Harvey IL. There are dozens of insurance agencies in Markham and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Markham belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Markham IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Markham </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Markham %20%20%20&amp;_cityTown=Markham %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Markham IL 60428.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Markham IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Markham </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Markham &nbsp; </strong></em>IL 60428:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:9bcd5463-078a-4e40-b9a2-5bf1e03fac4d<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Lyons , Car Insurance, SR22 Insurance by - Auto Insurance Agent Lyons Illinois Lyons Illinois Auto SR22 Insurance and Community Profiles, 60534 Lyons IL. Lyons is one of the Chicago area suburbs about 22...Tue, 09 Aug 2011 23:10:23 -0500<h1>Monthly Starts at $25. Auto Insurance in Lyons , Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by - Auto Insurance Agent Lyons Illinois</span></em></h1> Lyons Illinois Auto SR22 Insurance and Community Profiles, 60534<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Lyons IL.</strong> Lyons is one of the Chicago area suburbs about 22 miles southwest of the Chicago Loop. Lyons has a population of 10,255 at the 2000 census. Neighboring cities include the following:<br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Summit, IL<br /> Brookfield, IL<br /> La Grange Park, IL<br /> La Grange, IL<br /> Berwyn, IL<br /> Bridgeview, IL<br /> Forest Park, IL </td> <td valign="top"><br /> <br /> </td> <td valign="top">Maywood, IL<br /> Justice, IL<br /> Oak Park, IL<br /> Bellwood, IL<br /> Burbank, IL<br /> Cicero, IL<br /> Westchester, IL<br /> Western Springs, IL </td> </tr> </tbody> </table> <br /> <strong>Incorporation</strong>: The city of Lyons was incorporated in 1888, and in 1897 the small town of Cooksville was seized by Lyons. The city of Lyons was known of its connection to organized crimes between 1960 to 1980.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Lyons . The agency has a location in Cicero, Bridgeview, Maywood, and North Riverside. There are dozens of insurance agencies in Lyons and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Lyons belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Lyons IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Lyons </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Lyons %20%20%20&amp;_cityTown=Lyons %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Lyons IL 60534.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Lyons IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Lyons </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Lyons &nbsp; </strong></em>IL 60534:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:822a2298-bb1d-4fb6-bd4b-110ac7469acd<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Lincolnwood , Car Insurance, SR22 Insurance by: Auto Insurance Agent Lincolnwood Illinois Lincolnwood Illinois Auto SR22 Insurance and Community Profiles, 60712 Lincolnwood IL. Formerly Tessville, Lin...Tue, 09 Aug 2011 22:46:09 -0500<h1>Monthly Starts at $25. Auto Insurance in Lincolnwood , Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by: Auto Insurance Agent Lincolnwood Illinois</span></em></h1> Lincolnwood Illinois Auto SR22 Insurance and Community Profiles, 60712<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Lincolnwood IL.</strong> Formerly Tessville, Lincolnwood is one of the Chicago area suburbs about 10 miles northwest of the Chicago Loop. Lincolnwood has a population of &nbsp;12,359 at the 2000 census. The neighboring cities include the following:<br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Skokie, IL<br /> Evanston, IL<br /> Morton Grove, IL<br /> Niles, IL<br /> Wilmette, IL<br /> Glenview, IL<br /> Park Ridge, IL</td> <td valign="top"><br /> <br /> </td> <td valign="top">Norridge, IL<br /> Elmwood Park, IL<br /> Winnetka, IL<br /> River Grove, IL<br /> Schiller Park, IL<br /> Des Plaines, IL<br /> Franklin Park, IL<br /> River Forest, IL</td> </tr> </tbody> </table> <br /> <br /> The city was incorporated in 1911 as Tessville, the city in 1936 changed its name to Lincolnwood after going through lots legislative changes to alter the spread of gambling and use of alcohol.<br /> <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Lincolnwood . The agency has a location on the North side of Chicago, by Lawrence and Pulaski. There are dozens of insurance agencies in Lincolnwood and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Lincolnwood belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Lincolnwood IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Lincolnwood </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Lincolnwood%20%20%20%20%20&amp;_cityTown=Lincolnwood%20%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Lincolnwood IL 60712.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Lincolnwood IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Lincolnwood </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Lincolnwood &nbsp; </strong></em>IL 60712:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:ece07f25-0e94-4121-8552-4aeddb8471cd<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Lemont , Car Insurance, SR22 Insurance by an Auto Insurance Agent Lemont Illinois Lemont Illinois Auto SR22 Insurance and Community Profiles, 60439, 60440 Lemont IL. Lemont, AKA&nbsp; the Village of Faith...Tue, 09 Aug 2011 00:50:13 -0500<h1>Monthly Starts at $25. Auto Insurance in Lemont , Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by an Auto Insurance Agent Lemont Illinois</span></em></h1> Lemont Illinois Auto SR22 Insurance and Community Profiles, 60439, 60440<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Lemont IL.</strong> Lemont, AKA&nbsp; the Village of Faith, is one of the Chicago area suburbs about 27 miles southwest of the Chicago Loop. Lemont has a population of&nbsp; 16,625 at the 2007 census. Neighboring&nbsp; communities include the following:<br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Bolingbrook, IL<br /> Goodings Grove, IL<br /> Romeoville, IL<br /> Darien, IL<br /> Woodridge, IL<br /> Westmont, IL<br /> Downers Grove, IL </td> <td valign="top"><br /> <br /> </td> <td valign="top">Hinsdale, IL<br /> Lisle, IL<br /> Crest Hill, IL<br /> Palos Hills, IL<br /> Justice, IL<br /> Lockport, IL<br /> Burr Ridge, IL<br /> Orland Park, IL </td> </tr> </tbody> </table> <br /> <br /> The city of Lemont was incorporated in 1873 on land previously known as Keepataw. The city was hit by a major tornado in 1976 killing three and destroying large number of homes. <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Lemont . The agency has a location in Chicago Heights Illinois and in Harvey IL. There are dozens of insurance agencies in Lemont and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Lemont belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Lemont IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Lemont </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Lemont %20%20%20&amp;_cityTown=Lemont %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2><img alt="" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></h2> <h2> </h2> <h2>Insurance For Lemont IL 60439, 60440.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Lemont IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Lemont </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Lemont &nbsp; </strong></em>IL 60439, 60440:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:5af0ed03-85c9-4aba-9a50-23ff72336e4c<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in Lansing , Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent Lansing Illinois Lansing Illinois Auto SR22 Insurance and Community Profiles, 60438 Lansing IL. Lansing is one of the Chicago are...Mon, 08 Aug 2011 02:01:18 -0500<h1>Monthly Starts at $25. Auto Insurance in Lansing , Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Lansing Illinois</span></em></h1> Lansing Illinois Auto SR22 Insurance and Community Profiles, 60438<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Lansing IL.</strong> Lansing is one of the Chicago area suburbs about 22 miles south of the Chicago Loop. Lansing has a population of 28,332 at the 2000 census. Neighboring cities include the following:<br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Munster, IN<br /> Hammond, IN<br /> Calumet City, IL<br /> South Holland, IL<br /> Dyer, IN<br /> Sauk Village, IL<br /> Dolton, IL </td> <td valign="top"><br /> <br /> </td> <td valign="top">Homewood, IL<br /> East Chicago, IN<br /> Riverdale, IL<br /> Schererville, IN<br /> Flossmoor, IL<br /> Harvey, IL<br /> Chicago Heights, IL<br /> Griffith, IN </td> </tr> </tbody> </table> <br /> Lansing was incorporated in 1893 after&nbsp;Henry, George, and John Lansing settled the area in 1846.&nbsp; <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Lansing . The agency has 2 locations in Harvey and Calumet City . There are dozens of insurance agencies in Lansing and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Lansing belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Lansing IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Lansing </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Lansing %20%20%20&amp;_cityTown=Lansing %20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Lansing IL 60438.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Lansing IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Lansing </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Lansing &nbsp; </strong></em>IL 60438:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:fbbd38a5-497d-4cb8-90fa-1914e406e135<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starting $25. Auto Insurance in La Grange Park , Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent La Grange Park Illinois La Grange Park Illinois Auto SR22 Insurance and Community Profiles, 60526 La Grange Park IL. 60526. L...Mon, 08 Aug 2011 00:34:39 -0500<h1>Monthly Starting $25. Auto Insurance in La Grange Park , Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent La Grange Park Illinois</span></em></h1> La Grange Park Illinois Auto SR22 Insurance and Community Profiles, 60526<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>La Grange Park IL. 60526.</strong> La Grange Park is one of the Chicago area suburbs about 13 miles southwest of the Chicago Loop. La Grange Park has a population of 13,295 at the 2000 census.Neighboring cities include the following: <br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Brookfield, IL<br /> Westchester, IL<br /> La Grange, IL<br /> Western Springs, IL<br /> Lyons, IL<br /> Berwyn, IL<br /> Forest Park, IL<br /> Summit, IL </td> <td valign="top">Maywood, IL<br /> Bellwood, IL<br /> Hinsdale, IL<br /> Melrose Park, IL<br /> River Forest, IL<br /> Oak Park, IL<br /> Cicero, IL<br /> </td> <td valign="top"><br /> </td> </tr> </tbody> </table> <br /> The village was incorporated in the late 19th century to control the sale of alcohol within their borders.&nbsp; <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in La Grange Park . The agency has 3 locations in the area, including the onese in North Riverside, Maywood, and Cicero Illinois. There are dozens of insurance agencies in La Grange Park and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in La Grange Park belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of La Grange Park IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in La Grange Park </a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=La%20Grange%20Park%20%20%20%20&amp;_cityTown=La%20Grange%20Park%20%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For La Grange Park IL 60526.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>La Grange Park IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>La Grange Park </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>La Grange Park &nbsp; </strong></em>IL 60526:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:2b1c0080-bfe9-4368-9276-c2f8cfbdf63c<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly Starts at $25. Auto Insurance in La Grange, Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent La Grange Illinois La Grange Illinois Auto SR22 Insurance and Community Profiles, 60525 La Grange IL. La Grange is one of the Chicago ...Sun, 07 Aug 2011 23:48:55 -0500<h1>Monthly Starts at $25. Auto Insurance in La Grange, Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent La Grange Illinois</span></em></h1> La Grange Illinois Auto SR22 Insurance and Community Profiles, 60525<br /> <p><strong>La Grange IL.</strong> La Grange is one of the Chicago area suburbs about 13 miles west of the Chicago Loop. La Grange has a population of 15,608 at the 2000 census. Neighboring cities include the following communities:<br /> <br /> <table width="387" height="289" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top" colspan="2">Brookfield, IL<br /> Western Springs, IL<br /> La Grange Park, IL<br /> Lyons, IL<br /> Westchester, IL<br /> Burr Ridge, IL<br /> Berwyn, IL<br /> Bridgeview, IL<br /> Maywood, IL<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> Bellwood, IL<br /> Westmont, IL<br /> Forest Park, IL<br /> Summit, IL<br /> Hinsdale, IL<br /> Justice, IL<br /> </td> </tr> </tbody> </table> <br /> <br /> La Grange was founded by&nbsp;Franklin Dwight Cossitt incorporated on June 11, 1879.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in La Grange. The agency has two offices located in North Riverside and Maywood offices. There are dozens of insurance agencies in La Grange and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in La Grange belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of La Grange IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in La Grange</a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=La%20Grange%20%20%20&amp;_cityTown=La%20Grange%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For La Grange IL 60422, 60430.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>La Grange IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>La Grange </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>La Grange&nbsp; </strong></em>IL 60525:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:053469b8-f2e6-4c47-b994-d0262d994035Chicago car insurance agent Ed Sneneh reports on Handling car insurance accidents &amp; claims Auto insurance claims will be faster and easier filed if the driver/ insured acts properly while you still at the auto crash scene. For instance, don't be...Sun, 07 Aug 2011 02:44:48 -0500<p><strong>Chicago car insurance agent Ed Sneneh reports on Handling car insurance accidents &amp; claims<br /> </strong></p> <p><em><strong>Auto insurance claims</strong></em> will be faster and easier filed if the driver/ insured acts properly while you still at the auto crash scene. For instance, don't be frightened. If at all possible, keep calm and make every effort to protect your car occupants, vehicle. and property. </p> <ol> <li>Do call for emergency assistance for those who seem to have suffered any bodily injury. Sometimes the injury may not be evident on the spot. Do not take any chance!</li> <li>Do not leave the scene without making sure that you exchange insurance and other information with the other party. Leaving the site of the accident is against traffic rules.</li> <li>Do not discuss fault issues or admit fault regarding the crash with the other party. Try not to apologize unless you are absolutely sure the accident was your fault. It is not you, but rather the insurance companies or the court of law, that will determine liability issues.</li> <li>Do not provide the other party any extra insurance information (such as how much insurance coverage you have). &nbsp;You may exchange with the other operator your license and registration and the name of your insurance company, besides your name, address and, if different, the name of the registered owner of the vehicle. Make sure to get from the other operator of the other car his/ her name, address, drivers license number, date of birth, state of license, phone numbers, as well as the auto number and insurance company. If the operator &nbsp;is not the registered owner, make sure to determine the name of the car owner and his or her address &amp; phone numbers when possible. </li> <li>Do take notes of the names, addresses, home and business telephone numbers, and the extent of their injuries of all injured people. Look for witnesses to the accident and take down their names, addresses and telephone numbers. </li> <li>Do file police report. If possible, obtain the report as soon as it is ready .Take notes of the names &amp; badge numbers of all law enforcement and emergency personnel at the site of the crash. Be certain to check all cars for damage and write down areas damaged, as well as car description, make, color and license number. </li> <li>Do move &nbsp;your car from the site of the crash to a safer location to prevent any more accidents/ losses. </li> <li>It is critical to do this while the information is clean in your head. Report the accident to your insurance broker or agent immediately; if the accident involves injury or significant property damage, report it promptly to the police department. </li> <li>Do cooperate with your insurance company. Your company will send you forms to complete and will request that you give a sworn statement. </li> </ol> <p>The faster the claim is filed, with detailed and true information, the sooner you will be paid for your claim. If it turns out that you are the one at fault in the crash, having the facts straight is particularly critical in presenting your case, since it is important to your future insurance costs that any damage be assessed precisely and fairly. Keep in mind that you have the right for a legal advice any time for information and guidance. </p> <p>Finally and most importantly, do make sure that your insurance payments are always up to date and that your coverage is in force.</p>urn:uuid:425a1a66-a610-4c3f-9d23-baf4d94c39d2<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly $25.00 or more. Auto Insurance in Justice, Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent Justice Illinois Justice Illinois Auto SR22 Insurance and Community Profiles, 60458 Justice IL. Justice was incorporated in 1911, and&...Sun, 07 Aug 2011 02:27:56 -0500<h1>Monthly $25.00 or more. Auto Insurance in Justice, Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Justice Illinois</span></em></h1> Justice Illinois Auto SR22 Insurance and Community Profiles, 60458<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Justice IL.</strong> Justice was incorporated in 1911, and&nbsp; is one of the Chicago area suburbs about 14 miles southwest of the Chicago Loop. Justice has a population of 12.580 at the 2006 census.Neighboring cities include the following:<br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Hickory Hills, IL<br /> Bridgeview, IL<br /> Burbank, IL<br /> Summit, IL<br /> Palos Hills, IL<br /> Burr Ridge, IL<br /> Chicago Ridge, IL<br /> Worth, IL </td> <td valign="top"><br /> Lyons, IL<br /> Brookfield, IL<br /> Western Springs, IL<br /> Palos Heights, IL<br /> La Grange Park, IL<br /> La Grange, IL<br /> Oak Lawn, IL</td> <td valign="top"><br /> </td> </tr> </tbody> </table> <br /> &nbsp; <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Justice. The agency has a location in&nbsp; Bridgeview Illinois and North Riverside Illinois. There are dozens of insurance agencies in Justice and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Justice belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Justice IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Justice</a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Justice%20%20%20&amp;_cityTown=Justice%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Justice IL 60458.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Justice IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Justice </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Justice&nbsp; </strong></em>IL 60458:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:0e222988-26ef-4a28-9629-b98a4e3f9195<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly $25.00 or more. Car Insurance in Hometown, Auto Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent Hometown Illinois Hometown Illinois Auto SR22 Insurance and Community Profiles, 60456 Hometown IL. Hometown is one of the Chicago are...Sat, 06 Aug 2011 21:44:24 -0500<h1>Monthly $25.00 or more. Car Insurance in Hometown, Auto Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Hometown Illinois</span></em></h1> Hometown Illinois Auto SR22 Insurance and Community Profiles, 60456<br /> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Hometown IL.</strong> Hometown is one of the Chicago area suburbs about 12 miles southwest of the Chicago Loop. Hometown has a population of &nbsp;4,467 at the 2000 census.Neighboring cities include the following:<br /> <br /> <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Burbank, IL<br /> Chicago Ridge, IL<br /> Bridgeview, IL<br /> Evergreen Park, IL<br /> Oak Lawn, IL </td> <td valign="top">Alsip, IL<br /> Worth, IL<br /> Hickory Hills, IL<br /> Palos Hills, IL<br /> Crestwood, IL</td> <td valign="top"><br /> </td> </tr> <tr> <td valign="top">Summit, IL<br /> Justice, IL<br /> Palos Heights, IL<br /> Blue Island, IL<br /> Lyons, IL </td> <td valign="top"> </td> <td valign="top"> </td> </tr> </tbody> </table> <br /> The village was developed as inexpensive duplex houses after <span class="standard">World War II</span> where lots of GIs and their families resided. The village was incorporated in 1953, and its population rose to&nbsp; over 7,000 in 1958. However a powerful&nbsp; tornado struck Hometown in 1967,&nbsp; damaging 500 homes and totally destroying close to 100 others. <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Hometown. The agency has a location in&nbsp; Palos Hills and in Bridgeview Illinois, few miles away. <br /> There are dozens of insurance agencies in Hometown and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Hometown belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Hometown IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Hometown</a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Hometown%20%20%20&amp;_cityTown=Hometown%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Hometown IL 60456.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Hometown IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Hometown </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Hometown&nbsp; </strong></em>IL 60456:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:9d882162-7c3e-4011-80c7-5c0c9de0a3a4<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly $25.00 or more. Auto Insurance in Homewood, Car Insurance, SR22 Insurance by E Sneneh, Auto Insurance Agent Homewood Illinois Homewood Illinois Auto SR22 Insurance and Community Profiles, 60422, 60430 Homewood IL. Homewood is one of the Chic...Sat, 06 Aug 2011 21:23:11 -0500<h1>Monthly $25.00 or more. Auto Insurance in Homewood, Car Insurance, SR22 Insurance</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Homewood Illinois</span></em></h1> Homewood Illinois Auto SR22 Insurance and Community Profiles, 60422, 60430<br /> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Homewood IL.</strong> Homewood is one of the Chicago area suburbs about 22 miles southwest of the Chicago Loop. Homewood has a population of 19,543 at the 2000 census.Neighboring cities include the following: <table width="582" cellspacing="0" cellpadding="0" border="0" align="center"> <tbody> <tr> <td valign="top">Flossmoor, IL<br /> Chicago Heights, IL<br /> South Holland, IL<br /> Matteson, IL<br /> Park Forest, IL</td> <td valign="top">Harvey, IL<br /> Oak Forest, IL<br /> Hazel Crest, IL<br /> Country Club Hills, IL<br /> Markham, IL<br /> <br /> </td> <td valign="top">Richton Park, IL<br /> Midlothian, IL<br /> Riverdale, IL<br /> Steger, IL<br /> Tinley Park, IL</td> </tr> </tbody> </table> <br /> Prior to 1853 the city was platted as Hartford. The postmaster changed the city name in 1853 to Homewood..&nbsp; <br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Homewood. The agency has a location in Chicago Heights Illinois and in Harvey IL. There are dozens of insurance agencies in Homewood and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Homewood belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Homewood IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;">Get your<span style="font-family: georgia; font-size: 32px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> auto insurance quotes in Homewood</a><span style="font-size: 13px;"> in 5 minutes or less!</span></strong></span><br /> </div> <p><span style="font-size: 48px;"><strong><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><br /> </a></strong></span><iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Homewood%20%20%20&amp;_cityTown=Hometown%20%20%20&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"></iframe></p> <br /> <p> </p> <h2>Insurance For Homewood IL 60422, 60430.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Homewood IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em>Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in <em><span style="text-decoration: underline;"><strong>Homewood </strong></span></em> </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to <em><strong>Homewood&nbsp; </strong></em>IL 60422, 60430:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood%20Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:7329838c-7e75-46ef-94da-27073353fd9a<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' /> Monthly $25.00 or more. Auto Insurance Cost in Hoffman Estates IL by E Sneneh, Auto Insurance Agent Hoffman Estates Illinois Hoffman Estates Illinois Auto SR22 Insurance and Community Profiles, 60010, 60067, 60169, 60173, 60192, 60194, 60195 ...Sat, 06 Aug 2011 02:03:40 -0500<h1> <h1><span style="font-size: 13px;">Monthly $25.00 or more. Auto Insurance Cost in Hoffman Estates IL<br /> </span></h1> <h1><span style="font-size: 13px;"><em><em>by E Sneneh, Auto Insurance Agent Hoffman Estates Illinois</em></em></span></h1> Hoffman Estates Illinois Auto SR22 Insurance and Community Profiles, 60010, 60067, 60169, 60173, 60192, 60194, 60195</h1> <h1><em><span style="font-size: 13px;"><br /> </span></em> </h1> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Hoffman Estates IL, </strong>is one of the Chicago area suburbs about 29 miles northwest of the Chicago Loop. Hoffman Estates has a population of 49,495 at the 2000 census. Hoffman Estate was named after Sam and Jack Hoffman who owned Father and Son Corporation, and decided to purchase a&nbsp; some land in 1959 for development.. The village was incorporated in 1959. Currently Hoffman Estate hosts a number of larger businesses such as Sears and AT&amp;T.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry near the Hoffman Estates area. The agency has a location in North Riverside and north side of Chicago. There are dozens of insurance agencies in Hoffman Estates and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Hoffman Estates belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of <strong>auto insurance and SR22 insurance</strong> for residents of Hoffman Estates IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Hoffman Estates &amp;_cityTown=Hoffman Estates &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Hoffman Estates IL 60010.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Hoffman Estates IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hoffman Estates Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Hoffman Estates </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Hoffman Estates IL 60010:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:a5ac301a-9b4b-4802-bcbf-448d345b9838<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Edward Snaneh, Agent -&nbsp; Car SR22 Insurance Chicago Illinois&nbsp; Collision and comprehensive insurance refers to the insurance coverage that offers protection in the event an insured suffers physical damage to his or her vehicle. The physical d...Fri, 05 Aug 2011 15:56:03 -0500<h1><em><span style="font-size: 10px;">Edward Snaneh, Agent -&nbsp; Car SR22 Insurance Chicago Illinois</span>&nbsp;</em></h1> <p><span style="text-decoration: underline;"><em><strong>Collision and comprehensive insurance </strong></em></span>refers to the insurance coverage that offers protection in the event an insured suffers physical damage to his or her vehicle. The physical damage could be the result of a vehicle overturn or its collision with an object or because of any other reason (comprehensive).&nbsp; Depending on certain criteria like age, location, and vehicle value, the cost is about one-third of the total cost of the policy. </p> <p><span style="font-size: 16px;"><strong>Definitions of Comprehensive and Collision</strong></span></p> <p><span style="text-decoration: underline;"><em><strong>What is Comprehensive and Collision?</strong></em></span> Collision is normally&nbsp; defined as '<em>the upset of 'your covered vehicle&nbsp; or its impact with another auto or object</em>.' This means there has to be, necessarily, an accidental, physical contact (impact) between your covered auto and another car, truck or object which results in the physical damage to your vehicle. If money is paid for damages you caused to others&nbsp; it&nbsp; would be paid under the<em><strong> provisions of the auto liability</strong></em> sections of your policy (if you were at fault). </p> <p><span style="font-size: 16px;"><strong>Comprehensive &amp; Collision are Optional, No Fault Coverages</strong></span></p> <p>You do not have to be at fault for your company to pay on <em><strong>collision and collision coverage.</strong></em> <strong><em>Comprehensive and Collision coverage</em></strong> is not dependent on fault. Neither comprehensive nor collision are compulsory coverage. You do not have to take out neither comprehensive nor collision coverage, and many people with older autos really don't take that coverage. As a rule of thumb, if your vehicle is older than seven years you should think twice before you buy the coverage. It is simply not worth the money if the company is likely to "total" the vehicle rather than pay for its repair. </p> <p>If you have a loan on the vehicle your bank may require that you have <em><strong>comprehensive and collision coverage</strong></em>. In that case you must purchase it, or else the lienholder (bank) will buy it on your behalf and force you to pay for it. When your lienholder buys insurance for you, they normally buy comprehensive and collision only. Generally speaking no liability coverage is provided under<span style="text-decoration: underline;"><em><strong> comprehensive &amp; collision policies</strong></em></span> issued through banks.</p> <p>Most companies will allow you to take comprehensive without collision, but not the other way!&nbsp; It is vital to observe that collision and comprehensive are individually provided for and charged in your auto policy. In order for you to be covered by either &nbsp;coverage or both, the declarations page should indicate that you have selected these parts of coverage. </p> <p><span style="font-size: 16px;"><strong>Deductibles Applicable to Comprehensive and Collision</strong></span></p> <p>Unlike liability insurance, the comprehensive and collision protection of the policy is subject to a deductible (the amount the policyholder pays before any claims are paid). Most deductibles are around $500 per claim, but the inured may select to have higher or lower limits. Higher deductibles mean lower premiums. &nbsp;Collision deductible changes have more effect on premiums than comprehensive deductible changes.</p> <p><span style="font-size: 16px;"><strong>Paying For Damages Under Comprehensive and Collision</strong></span></p> <p>If your auto &nbsp;is destroyed or stolen, the insurance company has the right to select one of two methods in which to pay for your claim: </p> <p>(1) They may decided to pay the amount necessary to fix the damaged auto or replace the property that was lost, or the cash value of the stolen or damaged property. Cash value refers to the worth of the property used (its current price in the marketplace less depreciation). Some people feel they have been dealt with unfairly based on the cash value method. </p> <p>(2) Cash Out, or Totaling Vehicle. Under the provisions of the auto insurance policy, the insurance company may select to "cash you out" for the vehicle loss rather than repair the vehicle if this method will cost them less money. &nbsp;Most companies choose this method if they value of the repair is projected to be 80% or higher of the actual cash value of the vehicle.</p> <p><strong><span style="font-size: 16px;">Actual Cash Value of Your Vehicle</span></strong></p> <p>In determining the <strong><em>value of your destroyed vehicle insurance companies</em></strong> will look at the value of same year/ make/ model of your vehicle in open market of your area, then adjust it for over use (higher than average mileage, prior un repaired damages, etc.) Some people who were over charged when they purchased their overused vehicles will have hard time understanding why the company is not paying them what they paid for the vehicle. To make it simple, the worth of your car is not what you paid for it or what you owe on it to the bank.<img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /></p> <p>You can always argue about the worth of your car in the even the insurance company wants to total your car. If your insurance company tells you they want to total your destroyed car, you do not have to just accept what the company says your car is valued. Look in the <em>Kelly Blue Book</em>, which should be online, and in your local newspapers at the classified ads to see the value of similar cars. Normally vehicles sold at used car dealerships have higher value (includes dealership profit, which is not part of the car value). </p> <p><strong><span style="font-size: 16px;">Additional Equipments Are Not Automatically Covered</span></strong></p> <p>Any additional equipment such as radios, TVs, computers, sound systems, special tires, etc., or any other device or equipment that have been added to the vehicle, and that are not included in the original make of the car, are not automatically covered. Special adds on coverage is necessary to have them covered under your auto policy. be sure to let them know. It can add to the value of your car when the insurance company adds up its total value. </p> <p>&nbsp;<br /> <span style="font-size: 16px;"><strong>Towing &amp; Rental Are Not Automatically Covered.</strong></span></p> <p>Towing and rental are optional coverage in the Personal Auto Policy. Make sure that towing and rental coverage are included. Companies will schedule these coverages separately and will charge you for them. You have towing and rental if you paid for them. Check your policy declaration page for details.</p> <p><span style="font-size: 16px;"><strong>Covering Autos You Do Not Own</strong></span></p> <p>Your collision policy will pay for claims for vehicles you damage while driving and you do not own. When you operate a vehicle you do not own and are in a crash or the car is stolen while in your possession, your collision coverage will pay benefits for the loss. It should be understood that this protection will not apply if you operate a vehicle on a regular basis, or a business vehicle. </p> <p><em><span style="text-decoration: underline;"><strong>This discussion of the collision and comprehensive coverage pertains the standard Personal Auto Policy. Some companies stick to the outlines of the standard auto policy, while other companies (mostly nonstandard) will have their own modified version of this discussion. Insureds are encouraged to read and understand their policies.</strong></span></em></p>urn:uuid:7aba02d9-3bf2-49de-96b9-abbe784c52b1<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Auto SR22 Insurance and Community Profiles, Hillside Illinois 60162 by E Sneneh, Auto Insurance Agent Hillside Illinois Hillside IL, Hillside is one of the Chicago area suburbs about 14 miles west of the Chicago Loop. Hillside has a population ...Fri, 05 Aug 2011 15:35:58 -0500<h1>Auto SR22 Insurance and Community Profiles, Hillside Illinois 60162</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Hillside Illinois</span></em> </h1> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Hillside IL,</strong> Hillside is one of the Chicago area suburbs about 14 miles west of the Chicago Loop. Hillside has a population of 8,155 at the 2000 census. Hillside is the hub for major Chicago Highways. Hillside was incorporated in 1905 and was named after the nickname it was given by the Illinois Central Railroad, because he westbound trains would go uphill at Hillside.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Hillside . The agency has some nearby locations in Maywood and North Riverside. There are dozens of insurance agencies in Hillside and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Hillside belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of <span style="text-decoration: underline;"><em><strong>Hillside auto insurance and SR22 insurance</strong></em></span> for residents of Hillside IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Hillside &amp;_cityTown=Hillside &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Hillside IL 60162.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Hillside IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hillside Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Hillside </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Hillside IL 60162:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:6c9b333a-4ccf-4669-97c6-f426805b9672<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Monthly $25 or more, Auto insurance Hickory Hills IL 60457. Hickory Hills Illinois Auto SR22 Insurance and Community Profiles, 60457 by E Sneneh, Auto Insurance Agent Hickory Hills Illinois Hickory Hills IL, formerly Known as North Palos, Hickory H...Fri, 05 Aug 2011 15:08:02 -0500<h1>Monthly $25 or more, Auto insurance Hickory Hills IL 60457.</h1> <h1>Hickory Hills Illinois Auto SR22 Insurance and Community Profiles, 60457</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Hickory Hills Illinois</span></em> </h1> <h1><img alt="" style="float: right;" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></h1> <p><strong>Hickory Hills IL, formerly Known as North Palos</strong>, Hickory Hills is one of the Chicago area suburbs about 15 miles southwest of the Chicago Loop. Hickory Hills has a population of 13,926 at the 2000 census. About 50% Hickory Hills is <span class="standard">forest preserve</span>,&nbsp; with&nbsp; the&nbsp; three Palos communities (<span class="standard">Palos Park</span>, <span class="standard">Palos Heights</span>, <span class="standard">Palos Hills</span>) and Hickory Hills in the eastern half. Hickory Hills was named for its rolling hills and stands of hickory <span class="standard">trees</span>.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Hickory Hills. The agency has a location in Bridgeview Illinois and in Palos Hills IL. There are dozens of insurance agencies in Hickory Hills and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Hickory Hills belong to captive insurance companies like Allstate insurance, State Farm and American Family insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Hickory Hills IL. Insurance Navy represents a number of great companies like Progressive Auto Insurance, AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Hickory Hills &amp;_cityTown=Hickory Hills &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Hickory Hills IL 60457.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Hickory Hills IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hickory Hills Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Hickory Hills </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Hickory Hills IL 60457:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:66ebf14a-857d-48c9-b65e-b7cb725d7eaf<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Hazel Crest Illinois Auto Insurance and Community Profiles, 60429 by E Sneneh, Auto Insurance Agent Hazel Crest Illinois Hazel Crest IL. is one of the Chicago area suburbs22 miles south of the Chicago Loop. Hazel Crest was first settled in 1870 by ...Fri, 05 Aug 2011 14:15:37 -0500<h1>Hazel Crest Illinois Auto Insurance and Community Profiles, 60429</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Hazel Crest Illinois</span></em> </h1> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Hazel Crest IL</strong>. is one of the Chicago area suburbs22 miles south of the Chicago Loop. Hazel Crest was first settled in 1870 by William McClintock who moved here from Ohio in 1890, buying some land from farmer Fred Puhrman. Hazel Crest has a population of 14,816 at the 2000 census.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry in Hazel Crest. Insurance Navy office in Harvey Illinois services hundreds of clients in Homewood, Hazel Crest and East hazel Crest. The agency has a location at 123 West 159th Street. There are dozens of insurance agencies in Hazel Crestand the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Hazel Crest belong to captive insurance companies like Allstate insurance, State Farm and Farmers insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Hazel Crest IL. Insurance Navy represents a number of great companies like AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Hazel Crest&amp;_cityTown=Hazel Crest&amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2></h2> <h2><img alt="" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></h2> <h2> <h2>Insurance For Hazel CrestIL 60103.</h2> </h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Hazel Crest IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel Crest Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel CrestSR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel Crest Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel Crest Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel Crest Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel Crest Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hazel Crest Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Hazel Crest </strong></span></em></li> </ul> <p> <br /> <br /> </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Hazel CrestIL:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:bd9a1303-a0c9-49df-a26a-903d91c00246<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Auto Insurance and Community Profiles, Harwood Heights Illinois 60706 by E Sneneh, Auto Insurance Agent Harwood Heights Harwood Heights IL. is one of the Chicago area suburbs 11 miles Northwest of the Chicago Loop. In 1947 the city failed a bid for ...Fri, 05 Aug 2011 13:57:10 -0500<h1>Auto Insurance and Community Profiles, Harwood Heights Illinois 60706</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Harwood Heights</span></em> </h1> <p><strong>Harwood Heights IL</strong>. is one of the Chicago area suburbs 11 miles Northwest of the Chicago Loop. In 1947 the city failed a bid for annexation to Chicago. Currently the city is surrounded by Norridge and Chicago. According to the 2000 Census there were over 8,000 people in Harwood Heights.<br /> <br /> Insurance Navy maintains a number of customers in Harwood Heights IL. There are dozens of insurance agencies in Harwood Heights and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Harwood Heights belong to captive insurance companies like Allstate insurance, State Farm and Farmers insurance.</p> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p > Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Harwood Heights IL. Insurance Navy represents a number of great companies like AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Harwood Heights &amp;_cityTown=Harwood Heights &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Harwood Heights IL 60706.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Harwood Heights IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harwood Heights Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Harwood Heights </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Harwood Heights IL 60706:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+Harwood Heights+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:71457600-e054-4f71-a382-e31ec66404f8<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Harvey Illinois Auto Insurance and Community Profiles, 60426, 60427, 60428 by E Sneneh, Auto Insurance Agent Harvey Harvey IL. is one of the Chicago area suburbs19 miles south of the Chicago Loop. The city was organized as an industrial area in 188...Fri, 05 Aug 2011 13:39:42 -0500<h1>Harvey Illinois Auto Insurance and Community Profiles, 60426, 60427, 60428</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Harvey</span></em> </h1> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Harvey IL</strong>. is one of the Chicago area suburbs19 miles south of the Chicago Loop. The city was organized as an industrial area in 1889 by Turlington Harvey, a wealthy Chicago lumberman and banker, and the other Christian leader <span class="mw-redirect">Dwight Moody</span>. The city was organized to symbolize the Christian spirit and as a temperance town (no alcohol city). According to the 2000 Census there were over 30,000 people in Harvey.<br /> <br /> Insurance Navy is one of the major players in the car sr22 and business auto insurance industry. The agency has a location at 123 West 159th Street. There are dozens of insurance agencies in Harvey and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Harvey belong to captive insurance companies like Allstate insurance, State Farm and Farmers insurance.<br /> <br /> Insurance Navy and its partners are providers of auto<strong> insurance and SR22 insurance</strong> for residents of Harvey IL. Insurance Navy represents a number of great companies like AAA Auto insurance, Travelers and Hartford. <br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Harvey &amp;_cityTown=Harvey &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Harvey IL 60103.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Harvey IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Harvey Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Harvey </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Harvey IL:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:3408bbf1-901d-445f-9a4c-7cef6a382a64<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Hanover Park Illinois Car Insurance and Community Profiles, 60103 by E Sneneh, Auto Insurance Agent Hanover Park Hanover Park IL. is one of the Chicago area suburbs with a population of over 38,000 according to the 2000 census. The socioeconomic li...Fri, 05 Aug 2011 13:19:54 -0500<h1>Hanover Park Illinois Car Insurance and Community Profiles, 60103</h1> <h1><em><span style="font-size: 13px;">by E Sneneh, Auto Insurance Agent Hanover Park</span></em> </h1> <h1><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Hanover Park IL</strong>. is one of the Chicago area suburbs with a population of over 38,000 according to the 2000 census. The socioeconomic life of Hanover Park started to flourish during the1880s after Edwin Bartlett started his plan for the area a decade before.<br /> <br /> There are dozens of insurance agencies in Hanover Park and the surrounding area. Those agencies deal with all types of auto insurance, SR22 car insurance, business insurance, and life insurance. Most of the insurance agencies in Hanover Park belong to captive insurance companies like Allstate insurance, State Farm and Farmers insurance.<br /> <br /> Insurance Navy is a leading provider of auto insurance and SR22 insurance for residents of Hanover Park IL. Insurance Navy represents a number of great companies like AAA Auto insurance, Travelers and Hartford.<br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Hanover Park &amp;_cityTown=Hanover Park &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Hanover Park IL 60103.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Hanover Park IL Cheap Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park Low Cost Car&nbsp; Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Hanover Park Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Illinois Workers Compensation in Hanover Park </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Hanover Park IL:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:0926cfc5-dbf6-4b08-8171-91a14cb971b8by E Sneineh, Chicago Car Insurance Agent Medical Payment insurance coverage is also referred to as "Guest Insurance." In the Personal Auto Policy, medical payments coverage is designed to pay for some of the medical outcomes that can result from an ...Fri, 05 Aug 2011 04:03:18 -0500<h2>by E Sneineh, <span style="text-decoration: underline;"><em><strong>Chicago Car Insurance Agent</strong></em></span></h2> <p><em><strong>Medical Payment insurance</strong></em> coverage is also referred to as "<em><strong>Guest Insurance</strong></em>." In the Personal Auto Policy, <em><strong>medical payments</strong></em> coverage is designed to pay for some of the medical outcomes that can result from an auto accident. Unlike the liability portion of the insurance policy, "<em><strong>Med Pay</strong></em>" has no relationship to fault, and will pay benefits to qualified people for the cost of medical care and funeral expenses up to the limits specified in the policy. </p> <p>Eligible Parties:</p> <p>Two groups of people are entitled to receive benefits under the <em><strong>medical payment coverage</strong></em>: </p> <p>(1) The insured, himself or herself, and family members who live in the same household.</p> <p>(2) Any passenger injured while in the '<em><strong>covered auto</strong></em>.' The injured and family members who live in the same household are protected by the <em><strong>medical payment coverage </strong></em>portion of the car policy which will pay for the treatment of the bodily injuries, up to the limits specified in the policy. </p> <p>The insured and the covered family members are also protected under <em><strong>med pay</strong></em> if they are hit as pedestrians by any auto designed to be driven on public highways, regardless of who caused the auto accident. This 'no fault' characteristic of <em><strong>med pay</strong></em> coverage can be critical, since you do not have to wait until the matter is decided in court to receive benefits- which in some jurisdictions may take &nbsp;too many years. </p> <p>Any individual &nbsp;injured while in the covered auto is entitled payment for medical expenses resulted from the accident, regardless of who is at fault, up to the maximum amount provided in the policy. However, if someone is operating someone else's vehicles, the medical payments coverage would not cover the crash injuries of a passenger. That would be up to the medical payments coverage portion of the car owner's policy. </p> <p>The vast majority of people choose not to take out high limits of <em><strong>medical payments coverage</strong></em> because they are normally covered by some form of health insurance and there could be duplicate insurance coverage.<em><strong> Medical payment coverage,</strong></em> however, will cover one thing that health insurance may not (funeral expenses). Because the rates of the coverage is relatively small ($15 to $20 every six months for $1,000 to $5,000coverage in most <em><strong>Chicago car insurance</strong></em> policies), it is a smart idea to have at least a few thousand dollars in coverage. It is also critical to note that if you don't have health insurance coverage, be sure to get high limits of <em><strong>medical payments insurance coverage</strong></em>. It is relatively inexpensive, and if you, or your family member, are injured in a car crash it may mean the difference between enough care and a trip to your county hospital, where treatment might not be as helpful.</p>urn:uuid:6cdab300-36f7-4d8c-9876-d3f15bd05543<img src='images/%7Ewww.insurancenavy.com/tow%20garage.jpg' align='left' />by E Sneneh, Chicago Auto Insurance Agent When an individual starts a products liability lawsuit, he/ she is usually seeking compensatory damages to restore or compensate for his/ her loss. In some scenarios, injured parties have succeeded in recover...Fri, 05 Aug 2011 01:45:46 -0500<strong>by E Sneneh, Chicago Auto Insurance Agent</strong><br /> <p>When an individual starts a products liability lawsuit, he/ she is usually seeking compensatory damages to restore or compensate for his/ her loss. In some scenarios, injured parties have succeeded in recovering punitive damages in addition to compensatory damages. Punitive damages are provided to punish a guilty party, the defendant, for his or her outrageous, wrongful conduct and to deter this defendant and others from engaging in similar wrongful conducts. In jurisdictions that allow a punitive damages recovery in a products liability case, it must generally be established that the seller recklessly disregarded the safety of product users. </p> <p>Any time punitive damages are awarded, the issue arises as to whether an insured may collect for such costs &nbsp;pursuant to its products liabi<img alt="" src="images/%7Ewww.insurancenavy.com/tow%20garage.jpg" style="float: right;" />lity insurance. This issue has been confirmed both positively and negatively by courts of law. In reaching a conclusion about this issue, the legal systems have been called upon to infer the insurance policy to verify whether punitive damage rulings are within the provided coverage. In making such determination, it is necessary to look to the specific policy language in question:</p> <p>1. In some instances, the legal systems have been called upon to make interpretation of an insurance policy which provides coverage for damages awarded 'because of bodily injury' or 'because of property damage.' This language has been interpreted &nbsp;to exclude punitive damages.&nbsp;</p> <p>2. On the other hand, where the insurance policy provides coverage for 'all sums for which the insured is legally liable ... as damages,' it can be argued that punitive damages are included in the term 'all sums.' Accordingly, this language has been construed to provide coverage to the insured for punitive damages.</p> <p>&nbsp;</p> <p><strong>Rationales of Punitive Damages Awards</strong>.</p> <p>Legal rulings in favor of punitive damages are based on several &nbsp;rationales, which include:</p> <p>Punishment of a wrongdoers and deterrence of others from engaging in similar conduct. This rationale may be undermined by permitting a wrongdoer to pass off the assessed punishment to its insurance company. For that reason, even when punitive damages arguably fall within the coverage of an insurance policy, a court may not permit an insured to recover such loss from the insurer on the ground of public policy. </p> <p>In some instances, however, public policy may not be offended by permitting an insured to recover from its insurer for a punitive damage award. For example, a business may be held liable for punitive damages for an act done by one of its employees. Where the business did not take part in the wrongdoing and is only vicariously liable, neither the 'punishment' nor 'deterrence' purpose of awarding punitive damages is affected by permitting insurance coverage. </p> <p>In the most recent days and as punitive damage rulings began to go up in frequency and size, some insurance companies endorsed punitive damages off the risk, specifically excluding them from insurance coverage. </p> <p>As a result of that, although a manufacturer gets product liability insurance, he or she should not anticipate all damages affiliated with his or her product to be covered by the insurance policy. The best insurance policy against punitive damage awards may better risk and marketing management.</p>urn:uuid:83ea480c-7e22-4bbf-9f84-74390c32c2e7Chicago Car Insurance Leader Insurance Navy Our Company's Chicago auto insurance office and other Illinois business insurance offices offer the Chicago and Illinois consumers with thousands car insurance quotes, SR22 auto insurance quotes, two truc...Mon, 01 Aug 2011 23:15:14 -0500<div style="text-align: center;"><span style="font-size: 24px;"><strong>Chicago Car Insurance Leader Insurance Navy</strong></span><br /> </div> <h1> <span style="font-size: 13px;">Our Company's Chicago auto insurance office and other Illinois business insurance offices offer the Chicago and Illinois consumers with thousands car insurance quotes, SR22 auto insurance quotes, two truck insurance quotes, restaurants and tavern insurance quotes. Our agency specializes in the following: <br /> </span></h1> <h1><span style="text-decoration: underline; font-size: 16px;">Auto Insurance Quotes in Chicago Illinois</span></h1> <ol> <li> <h1><span style="font-size: 13px;">&nbsp;Cheap car insurance quotes from Illinois insurance companies. </span></h1> </li> <li> <h1><span style="font-size: 13px;">Cheap SR22 insurance quotes <br /> </span></h1> </li> <li> <h1><span style="font-size: 13px;">Quality auto insurance quotes from reputable companies like Progressive auto insurance, AAA auto insurance, Travelers car insurance, Hartford insurance company, and many more. <br /> </span></h1> </li> </ol> <h1><span style="font-size: 13px;">Our auto insurance quotes and SR22 insurance quotes can be obtained in less than five minutes, online. The quoting process allows customers to compare auto &amp; SR22 insurance quotes from several local and national insurance companies. Immediate car insurance coverage is available, along with immediate SR22 insurance filing for Illinois, Indiana, and other states. <br /> </span></h1> <h1><span style="font-size: 13px;"><span style="text-decoration: underline; font-size: 16px;">Homeowners Insurance Quotes in Chicago Illinois </span><br /> </span></h1> <ol> <li> <h1><span style="font-size: 13px;">Quality home, condo and renters insurance from reputable companies like Safeco, AAA, Travelers, Hartford, and more. <br /> </span></h1> </li> <li> <h1><span style="font-size: 13px;">We also offer homeowners insurance for Chicago homeowners insurance without checking the credit. <br /> </span></h1> </li> </ol> <h1><span style="font-size: 13px;">&nbsp;<span style="text-decoration: underline; font-size: 16px;">Property and Liability I<span style="text-decoration: underline;">nurance Quotes in Chicago Illinois:</span> </span><br /> </span></h1> <h1><span style="font-size: 13px;">Insurance Navy helped thousands of customers in Chicago, Illinois and other states by providing restaurant insurance quotes, liquor liability insurance quotes (dram shop insurance), gas stations insurance, convenient store insurance,grocery stores insurance quotes, liquor stores insurance quotes, strip malls insurance, cell phones insurance, clothing stores insurance.</span></h1> <h1><span style="font-size: 13px;">On the transportation and trucking side, our agents procured thousands of policies in cargo &amp; inland marines insurance, long haul and </span></h1> <h1><span style="font-size: 13px;">short haul trucking insurance, tow trucks insurance quotes, used car dealers insurance, mechanic and body shop insurance, garage and garagekeepers insurance quotes, car washes and valet parking insurance. The agency also offer commercial bonds from contractors in Chicagoand the rest of the State of Illinois. </span></h1> <br /> <strong>Cook County Communities Served for Auto Insurance Quotes: </strong><br /> <div border="0"></div> <table cellspacing="0" cellpadding="0" border="0" style="width: 946px;"> <colgroup><col width="178" style="width: 134pt;" /> <col width="64" span="12" style="width: 48pt;" /> </colgroup> <tbody> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt; width: 134pt;">ALSIP&nbsp;&nbsp;&nbsp;</td> <td align="left" style="width: 48pt;">Illinois</td> <td colspan="7" style="width: 336pt; white-space: nowrap;"> <div border="0">Auto Insurance Alsip&nbsp;&nbsp;&nbsp; IL:</div> </td> <td align="left" style="width: 48pt;"> <div border="0">sr22 Insurance Alsip&nbsp;&nbsp;&nbsp; IL:</div> </td> <td align="left" style="width: 48pt;"> <div border="0">Home Insurance Alsip&nbsp;&nbsp;&nbsp; IL:</div> </td> <td align="left" style="width: 48pt;"> <div border="0">Tow Insurance Alsip&nbsp;&nbsp;&nbsp; IL:</div> </td> <td align="left" style="width: 48pt;"> <div border="0">car dealers Insurance Alsip&nbsp;&nbsp;&nbsp; IL:</div> </td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">ARLINGTON HEIGHTS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Arlington Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Arlington Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Arlington Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Arlington Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Arlington Heights&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BEDFORD PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Bedford Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Bedford Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Bedford Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Bedford Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Bedford Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BELLWOOD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Bellwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Bellwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Bellwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Bellwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Bellwood&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BERKELEY&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Berkeley&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Berkeley&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Berkeley&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Berkeley&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Berkeley&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BERWYN&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Berwyn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Berwyn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Berwyn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Berwyn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Berwyn&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BLUE ISLAND&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Blue Island&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Blue Island&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Blue Island&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Blue Island&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Blue Island&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BRIDGEVIEW&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Bridgeview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Bridgeview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Bridgeview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Bridgeview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Bridgeview&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BROADVIEW&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Broadview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Broadview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Broadview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Broadview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Broadview&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BROOKFIELD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Brookfield&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Brookfield&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Brookfield&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Brookfield&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Brookfield&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">BURBANK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Burbank&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Burbank&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Burbank&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Burbank&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Burbank&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">CALUMET CITY&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Calumet City&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Calumet City&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Calumet City&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Calumet City&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Calumet City&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">CHICAGO&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Chicago&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Chicago&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Chicago&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Chicago&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Chicago&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">CHICAGO HEIGHTS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Chicago Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Chicago Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Chicago Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Chicago Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Chicago Heights&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">CHICAGO RIDGE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Chicago Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Chicago Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Chicago Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Chicago Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Chicago Ridge&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">CICERO&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Cicero&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Cicero&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Cicero&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Cicero&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Cicero&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">COUNTRY CLUB HILLS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Country Club Hills&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Country Club Hills&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Country Club Hills&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Country Club Hills&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Country Club Hills&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">DES PLAINES&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Des Plaines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Des Plaines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Des Plaines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Des Plaines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Des Plaines&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">DOLTON&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Dolton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Dolton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Dolton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Dolton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Dolton&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">ELK GROVE VILAGE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Elk Grove Village IL:</td> <td align="left">sr22 Insurance Elk Grove VillaLage&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Elk Grove Village&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Elk Grove Village&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Elk Grove Village&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">ELMWOOD PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Elmwood Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Elmwood Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Elmwood Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Elmwood Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Elmwood Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">EVANSTON&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Evanston&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Evanston&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Evanston&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Evanston&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Evanston&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">EVERGREEN PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Evergreen Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Evergreen Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Evergreen Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Evergreen Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Evergreen Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">FLOSSMOOR&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Flossmoor&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Flossmoor&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Flossmoor&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Flossmoor&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Flossmoor&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">FOREST PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Forest Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Forest Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Forest Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Forest Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Forest Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">FRANKLIN PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Franklin Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Franklin Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Franklin Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Franklin Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Franklin Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">GLENCOE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Glencoe&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Glencoe&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Glencoe&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Glencoe&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Glencoe&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">GLENVIEW&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Glenview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Glenview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Glenview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Glenview&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Glenview&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">GLENWOOD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Glenwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Glenwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Glenwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Glenwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Glenwood&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">GOLF&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Golf&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Golf&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Golf&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Golf&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Golf&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HANOVER PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Hanover Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Hanover Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Hanover Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Hanover Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Hanover Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HARVEY&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Harvey&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Harvey&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Harvey&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Harvey&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Harvey&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HARWOOD HEIGHTS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Harwood Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Harwood Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Harwood Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Harwood Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Harwood Heights&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HAZEL CREST&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Hazel Crest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Hazel Crest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Hazel Crest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Hazel Crest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Hazel Crest&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HICKORY H LS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Hickory H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Hickory H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Hickory H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Hickory H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Hickory H Ls&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">H LSIDE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance H Lside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance H Lside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance H Lside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance H Lside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance H Lside&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HINES&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Hines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Hines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Hines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Hines&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Hines&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HOFFMAN ESTATES&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Hoffman Estates&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Hoffman Estates&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Hoffman Estates&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Hoffman Estates&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Hoffman Estates&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HOMETOWN&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Hometown&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Hometown&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Hometown&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Hometown&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Hometown&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">HOMEWOOD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Homewood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Homewood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Homewood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Homewood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Homewood&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">JUSTICE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Justice&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Justice&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Justice&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Justice&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Justice&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">KEN WORTH&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Ken Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Ken Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Ken Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Ken Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Ken Worth&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">LA GRANGE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance La Grange&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance La Grange&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance La Grange&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance La Grange&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance La Grange&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">LA GRANGE PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance La Grange Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance La Grange Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance La Grange Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance La Grange Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance La Grange Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">LANSING&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Lansing&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Lansing&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Lansing&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Lansing&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Lansing&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">LEMONT&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Lemont&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Lemont&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Lemont&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Lemont&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Lemont&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">LINCOLNWOOD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Lincolnwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Lincolnwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Lincolnwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Lincolnwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Lincolnwood&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">LYONS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Lyons&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Lyons&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Lyons&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Lyons&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Lyons&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MARKHAM&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Markham&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Markham&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Markham&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Markham&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Markham&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MATTESON&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Matteson&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Matteson&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Matteson&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Matteson&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Matteson&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MAYWOOD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Maywood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Maywood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Maywood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Maywood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Maywood&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MELROSE PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Melrose Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Melrose Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Melrose Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Melrose Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Melrose Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MIDLOTHIAN&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Midlothian&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Midlothian&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Midlothian&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Midlothian&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Midlothian&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MORTON GROVE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Morton Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Morton Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Morton Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Morton Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Morton Grove&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">MOUNT PROSPECT&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Mount Prospect&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Mount Prospect&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Mount Prospect&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Mount Prospect&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Mount Prospect&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">N ES&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance N Es&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance N Es&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance N Es&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance N Es&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance N Es&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">NORTHBROOK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Northbrook&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Northbrook&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Northbrook&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Northbrook&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Northbrook&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">OAK FOREST&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Oak Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Oak Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Oak Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Oak Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Oak Forest&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">OAK LAWN&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Oak Lawn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Oak Lawn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Oak Lawn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Oak Lawn&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Oak Lawn&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">OAK PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Oak Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Oak Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Oak Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Oak Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Oak Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">OLYMPIA FIELDS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Olympia Fields&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Olympia Fields&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Olympia Fields&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Olympia Fields&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Olympia Fields&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">ORLAND PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Orland Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Orland Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Orland Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Orland Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Orland Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PALATINE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Palatine&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Palatine&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Palatine&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Palatine&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Palatine&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PALOS HEIGHTS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Palos Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Palos Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Palos Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Palos Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Palos Heights&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PALOS H LS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Palos H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Palos H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Palos H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Palos H Ls&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Palos H Ls&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PALOS PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Palos Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Palos Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Palos Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Palos Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Palos Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PARK FOREST&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Park Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Park Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Park Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Park Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Park Forest&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PARK RIDGE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Park Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Park Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Park Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Park Ridge&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Park Ridge&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">POSEN&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Posen&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Posen&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Posen&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Posen&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Posen&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">PROSPECT HEIGHTS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Prospect Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Prospect Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Prospect Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Prospect Heights&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Prospect Heights&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">RICHTON PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Richton Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Richton Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Richton Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Richton Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Richton Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">RIVER FOREST&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance River Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance River Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance River Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance River Forest&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance River Forest&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">RIVER GROVE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance River Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance River Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance River Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance River Grove&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance River Grove&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">RIVERDALE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Riverdale&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Riverdale&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Riverdale&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Riverdale&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Riverdale&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">RIVERSIDE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Riverside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Riverside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Riverside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Riverside&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Riverside&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">ROBBINS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Robbins&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Robbins&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Robbins&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Robbins&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Robbins&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">ROLLING MEADOWS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Rolling Meadows&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Rolling Meadows&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Rolling Meadows&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Rolling Meadows&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Rolling Meadows&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">SCHAUMBURG&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Schaumburg&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Schaumburg&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Schaumburg&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Schaumburg&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Schaumburg&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">SCH LER PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Sch Ler Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Sch Ler Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Sch Ler Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Sch Ler Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Sch Ler Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">SKOKIE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Skokie&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Skokie&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Skokie&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Skokie&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Skokie&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">SOUTH HOLLAND&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance South Holland&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance South Holland&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance South Holland&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance South Holland&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance South Holland&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">STEGER&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Steger&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Steger&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Steger&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Steger&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Steger&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">STONE PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Stone Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Stone Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Stone Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Stone Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Stone Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">STREAMWOOD&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Streamwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Streamwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Streamwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Streamwood&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Streamwood&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">SUMMIT ARGO&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Summit Argo&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Summit Argo&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Summit Argo&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Summit Argo&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Summit Argo&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">TECHNY&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Techny&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Techny&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Techny&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Techny&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Techny&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">THORNTON&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Thornton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Thornton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Thornton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Thornton&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Thornton&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">TINLEY PARK&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Tinley Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Tinley Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Tinley Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Tinley Park&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Tinley Park&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">WESTCHESTER&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Westchester&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Westchester&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Westchester&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Westchester&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Westchester&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">WESTERN SPRINGS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Western Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Western Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Western Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Western Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Western Springs&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">WHEELING&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Wheeling&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Wheeling&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Wheeling&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Wheeling&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Wheeling&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">W LOW SPRINGS&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance W Low Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance W Low Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance W Low Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance W Low Springs&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance W Low Springs&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">W METTE&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance W Mette&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance W Mette&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance W Mette&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance W Mette&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance W Mette&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">WINNETKA&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Winnetka&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Winnetka&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Winnetka&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Winnetka&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Winnetka&nbsp;&nbsp;&nbsp; IL:</td> </tr> <tr height="21" style="height: 15.75pt;"> <td align="left" class="xl25" style="height: 15.75pt;">WORTH&nbsp;&nbsp;&nbsp;</td> <td align="left">Illinois</td> <td align="left" colspan="7">Auto Insurance Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">sr22 Insurance Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Home Insurance Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">Tow Insurance Worth&nbsp;&nbsp;&nbsp; IL:</td> <td align="left">car dealers Insurance Worth&nbsp;&nbsp;&nbsp; IL:</td> </tr> </tbody> </table> <br /> <p> <strong>Chicago Neighborhoods and their community areas</strong> </p> <table width="470" cellspacing="0" cellpadding="2" border="0"> <tbody> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Altgeld Gardens</span></td> <td align="left"><span style="font-family: segoe ui;"> Riverdale</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Andersonville</span></td> <td align="left"><span style="font-family: segoe ui;"> Edgewater</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ashburn Estates</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Back of the Yards</span></td> <td align="left"><span style="font-family: segoe ui;"> New City</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Belmont Gardens</span></td> <td align="left"><span style="font-family: segoe ui;"> Hermosa</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Belmont Heights</span></td> <td align="left"><span style="font-family: segoe ui;"> Dunning</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Belmont Terrace</span></td> <td align="left"><span style="font-family: segoe ui;"> Dunning</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Beverly View</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Beverly Woods</span></td> <td align="left"><span style="font-family: segoe ui;"> Morgan Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Big Oaks</span></td> <td align="left"><span style="font-family: segoe ui;"> Norwood Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Bowmanville</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Brainerd</span></td> <td align="left"><span style="font-family: segoe ui;"> Washington Heights</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Brickyard</span></td> <td align="left"><span style="font-family: segoe ui;"> Belmont Cragin</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Bronzeville</span></td> <td align="left"><span style="font-family: segoe ui;"> Douglas</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Bucktown</span></td> <td align="left"><span style="font-family: segoe ui;"> Logan Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Budlong Woods</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Buena Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Lakeview</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Cabrini Green</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Canaryville</span></td> <td align="left"><span style="font-family: segoe ui;"> New City</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Chinatown</span></td> <td align="left"><span style="font-family: segoe ui;"> Armour Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Chrysler Village</span></td> <td align="left"><span style="font-family: segoe ui;"> Clearing</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Columbus Circle</span></td> <td align="left"><span style="font-family: segoe ui;"> Near W. Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Cottage Grove Heights</span></td> <td align="left"><span style="font-family: segoe ui;"> Pullman</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Cragin</span></td> <td align="left"><span style="font-family: segoe ui;"> Belmont Cragin</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Crestline</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">De Paul</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Dearborn Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Near South Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Dearborn Parkway</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">DePaul</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">East Village</span></td> <td align="left"><span style="font-family: segoe ui;"> West Town</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Eden Green</span></td> <td align="left"><span style="font-family: segoe ui;"> Riverdale</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Edgebrook</span></td> <td align="left"><span style="font-family: segoe ui;"> Forest Glen</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Edgewater Glen</span></td> <td align="left"><span style="font-family: segoe ui;"> Edgewater</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Englewood</span></td> <td align="left"><span style="font-family: segoe ui;"> West Englewood</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Epic</span></td> <td align="left"><span style="font-family: segoe ui;"> Edgewater</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Fernwood</span></td> <td align="left"><span style="font-family: segoe ui;"> Roseland</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Fifth City</span></td> <td align="left"><span style="font-family: segoe ui;"> East Garfield Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ford City</span></td> <td align="left"><span style="font-family: segoe ui;"> West Lawn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Galewood</span></td> <td align="left"><span style="font-family: segoe ui;"> Austin</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Gladstone Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Jefferson Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Gold Coast</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Golden Gate</span></td> <td align="left"><span style="font-family: segoe ui;"> Riverdale</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Goose Island</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Grand Crossing</span></td> <td align="left"><span style="font-family: segoe ui;"> Greater Grand Crossing</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Gresham</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn Gresham</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Groveland Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Douglas</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Hamilton Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Englewood</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Hanson Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Belmont Cragin</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Heart of Chicago</span></td> <td align="left"><span style="font-family: segoe ui;"> Lower W. Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Hollywood Park</span></td> <td align="left"><span style="font-family: segoe ui;"> North Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Humboldt Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Humboldt Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Hyde Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Hyde Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Irving Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Irving Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Irving Woods</span></td> <td align="left"><span style="font-family: segoe ui;"> Dunning</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Jackson Park Highlands</span></td> <td align="left"><span style="font-family: segoe ui;"> South Shore</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Jeffrey Manor</span></td> <td align="left"><span style="font-family: segoe ui;"> South Deering</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Kelvyn Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Hermosa</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Kennedy Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Morgan Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Kilbourn Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Irving Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Lake Meadows</span></td> <td align="left"><span style="font-family: segoe ui;"> Douglas</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Lakewood/Balmoral</span></td> <td align="left"><span style="font-family: segoe ui;"> Edgewater</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Lawndale</span></td> <td align="left"><span style="font-family: segoe ui;"> North Lawndale</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Le Claire Courts</span></td> <td align="left"><span style="font-family: segoe ui;"> Garfield Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Lithuanian Plaza</span></td> <td align="left"><span style="font-family: segoe ui;"> Chicago Lawn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Little Village</span></td> <td align="left"><span style="font-family: segoe ui;"> South Lawndale</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Longwood Manor</span></td> <td align="left"><span style="font-family: segoe ui;"> Washington Heights</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Loyola</span></td> <td align="left"><span style="font-family: segoe ui;"> Rogers Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Magnificent Mile</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Marquette Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Chicago Lawn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Marynook</span></td> <td align="left"><span style="font-family: segoe ui;"> Avalon Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Mayfair</span></td> <td align="left"><span style="font-family: segoe ui;"> Albany Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">McKinley Park</span></td> <td align="left"><span style="font-family: segoe ui;"> McKinley Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Medical Center</span></td> <td align="left"><span style="font-family: segoe ui;"> Near West Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Middle Edgebrook</span></td> <td align="left"><span style="font-family: segoe ui;"> Forest Glen</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Montclare</span></td> <td align="left"><span style="font-family: segoe ui;"> Montclare</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Morgan Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Morgan Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Mt. Greenwood</span></td> <td align="left"><span style="font-family: segoe ui;"> Mt. Greenwood</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Museum Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Near West Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Noble Square</span></td> <td align="left"><span style="font-family: segoe ui;"> West Town</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">North Mayfair</span></td> <td align="left"><span style="font-family: segoe ui;"> Albany Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Nortown</span></td> <td align="left"><span style="font-family: segoe ui;"> West Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Norwood Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Norwood Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Old Irving Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Irving Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Old Norwood</span></td> <td align="left"><span style="font-family: segoe ui;"> Norwood Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Old Town</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Old Town Triangle</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Oriole Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Norwood Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Park Manor</span></td> <td align="left"><span style="font-family: segoe ui;"> Greater Grand Crossing</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Park West</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Parkview</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Peterson Park</span></td> <td align="left"><span style="font-family: segoe ui;"> West Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Pill Hill</span></td> <td align="left"><span style="font-family: segoe ui;"> Calumet Heights</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Pilsen</span></td> <td align="left"><span style="font-family: segoe ui;"> Near West Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Prairie Shores</span></td> <td align="left"><span style="font-family: segoe ui;"> Douglas</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Princeton Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Roseland</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Printer's Row</span></td> <td align="left"><span style="font-family: segoe ui;"> Loop</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Pulaski Park</span></td> <td align="left"><span style="font-family: segoe ui;"> North Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ranch Triangle</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ravenswood</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ravenswood Gardens</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ravenswood Manor</span></td> <td align="left"><span style="font-family: segoe ui;"> Albany Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">River North</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">River West</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Roscoe Village</span></td> <td align="left"><span style="font-family: segoe ui;"> North Center</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Rosehill</span></td> <td align="left"><span style="font-family: segoe ui;"> West Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Saint Ben's</span></td> <td align="left"><span style="font-family: segoe ui;"> North Center</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Sauganash</span></td> <td align="left"><span style="font-family: segoe ui;"> Forest Glen</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Schorsch Forest View</span></td> <td align="left"><span style="font-family: segoe ui;"> O'Hare</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Schorsch Village</span></td> <td align="left"><span style="font-family: segoe ui;"> Dunning</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Scottsdale</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Sheffield Neighbors</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Sheridan Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Uptown</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Sleepy Hollow</span></td> <td align="left"><span style="font-family: segoe ui;"> Garfield Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">South Commons</span></td> <td align="left"><span style="font-family: segoe ui;"> Douglas</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">South Loop</span></td> <td align="left"><span style="font-family: segoe ui;"> Near South Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">State Parkway</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Stony Island Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Avalon Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Streeterville</span></td> <td align="left"><span style="font-family: segoe ui;"> Near North Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">The Island</span></td> <td align="left"><span style="font-family: segoe ui;"> Austin</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">The Villa</span></td> <td align="left"><span style="font-family: segoe ui;"> Irving Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Tri-Taylor</span></td> <td align="left"><span style="font-family: segoe ui;"> Near West Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Ukrainian Village</span></td> <td align="left"><span style="font-family: segoe ui;"> West Town</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Union Ridge</span></td> <td align="left"><span style="font-family: segoe ui;"> Norwood Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">University Village</span></td> <td align="left"><span style="font-family: segoe ui;"> Near West Side</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Vittum Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Garfield Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">W Morgan Park</span></td> <td align="left"><span style="font-family: segoe ui;"> Morgan Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Wentworth Gardens</span></td> <td align="left"><span style="font-family: segoe ui;"> Armour Square</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">West Beverly</span></td> <td align="left"><span style="font-family: segoe ui;"> Beverly</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">West Chesterfield</span></td> <td align="left"><span style="font-family: segoe ui;"> Chatham</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">West Rogers Park</span></td> <td align="left"><span style="font-family: segoe ui;"> West Ridge</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Wicker Park</span></td> <td align="left"><span style="font-family: segoe ui;"> West Town</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Wildwood</span></td> <td align="left"><span style="font-family: segoe ui;"> Forest Glen</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Wrightwood</span></td> <td align="left"><span style="font-family: segoe ui;"> Ashburn</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Wrightwood Neighbors</span></td> <td align="left"><span style="font-family: segoe ui;"> Lincoln Park</span></td> </tr> <tr valign="top"> <td align="left"> <span style="font-family: segoe ui;">Wrigleyville</span></td> <td align="left"><span style="font-family: segoe ui;"> Lakeview</span></td> </tr> </tbody> </table> <br /> <br /> City of Chicago ZIP Codes:<br /> <br /> 60601 60602 60603 60604 60605 60606 60607 Belong to Chicago Looo<br /> <table width="712" height="1353" border="0"> <tbody> <tr valign="top"> <td align="left"> <strong>60608</strong> </td> <td align="left">&nbsp; McKinley Park, Near West Side, North Lawndale, South Lawndale, Bridgeport, Lower West Side (Pilsen)</td> </tr> <tr valign="top"> <td align="left"> <strong>60609</strong> </td> <td align="left"> Bridgeport, Douglas, Fuller Park, Gage Park, Grand Boulevard, McKinley Park, New City, Washington Park, Armour Square<br /> </td> </tr> <tr valign="top"> <td align="left"> <strong>60610</strong> </td> <td align="left"> Near North Side, Near West Side </td> </tr> <tr valign="top"> <td align="left"> <strong>60611</strong> </td> <td align="left"> Near North Side</td> </tr> <tr valign="top"> <td align="left"> <strong>60612</strong> </td> <td align="left"> Near West Side, West Town</td> </tr> <tr valign="top"> <td align="left"> <strong>60613</strong> </td> <td align="left"> North Center, Uptown, Lakeview,<br /> </td> </tr> <tr valign="top"> <td align="left"> <strong>60614</strong> </td> <td align="left"> Lincoln Park, Logan Square</td> </tr> <tr valign="top"> <td align="left"> <strong>60615</strong> </td> <td align="left"> Grand Boulevard, Hyde Park, Kenwood, Washington Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60616</strong> </td> <td align="left"> Armour Square, Bridgeport, Douglas,Lower West Side (Pilsen), Near South Side</td> </tr> <tr valign="top"> <td align="left"> <strong>60617</strong> </td> <td align="left"> Avalon Park, Calumet Heights, East Side, South Chicago, South Deering</td> </tr> <tr valign="top"> <td align="left"> <strong>60618</strong> </td> <td align="left"> Avondale, Irving Park, North Center</td> </tr> <tr valign="top"> <td align="left"> <strong>60619</strong> </td> <td align="left"> Burnside, Calumet Heights, Chatham, Greater Grand Crossing, Roseland, South Shore, Avalon Park<br /> </td> </tr> <tr valign="top"> <td align="left"> <strong>60620</strong> </td> <td align="left"> Auburn Gresham, Beverly, Chatham, Greater Grand Crossing, Roseland, Washington Heights</td> </tr> <tr valign="top"> <td align="left"> <strong>60621</strong> </td> <td align="left"> Englewood, Greater Grand Crossing, Washington Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60622</strong> </td> <td align="left"> Humboldt Park, Logan Square, Near North Side, West Town</td> </tr> <tr valign="top"> <td align="left"> <strong>60623</strong> </td> <td align="left"> North Lawndale, South Lawndale</td> </tr> <tr valign="top"> <td align="left"> <strong>60624</strong> </td> <td align="left"> East Garfield Park, Humboldt Park, North Lawndale, West Garfield Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60625</strong> </td> <td align="left"> Albany Park, Lincoln Square, North Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60626</strong> </td> <td align="left"> Rogers Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60627</strong> </td> <td align="left"> Riverdale Chicago</td> </tr> <tr valign="top"> <td align="left"> <strong>60628</strong> </td> <td align="left"> Pullman, Roseland, Washington Heights, West Pullman</td> </tr> <tr valign="top"> <td align="left"> <strong>60629</strong> </td> <td align="left"> Chicago Lawn, Clearing, Gage Park, Garfield Ridge, West Elsdon, West Lawn</td> </tr> <tr valign="top"> <td align="left"> <strong>60630</strong> </td> <td align="left"> Albany Park, Forest Glen, Irving Park, Jefferson Park, Portage Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60631</strong> </td> <td align="left"> Edison Park, Norwood Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60632</strong> </td> <td align="left"> Archer Heights, Brighton Park, Gage Park, Garfield Ridge, West Elsdon</td> </tr> <tr valign="top"> <td align="left"> <strong>60633</strong> </td> <td align="left"> Hegewisch, South Deering</td> </tr> <tr valign="top"> <td align="left"> <strong>60634</strong> </td> <td align="left"> Belmont Cragin, Dunning, Montclare, Portage Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60635</strong> </td> <td align="left"> Austin, Belmont Cragin, Dunning, Montclare</td> </tr> <tr valign="top"> <td align="left"> <strong>60636</strong> </td> <td align="left"> Chicago Lawn, Gage Park, West Englewood</td> </tr> <tr valign="top"> <td align="left"> <strong>60637</strong> </td> <td align="left"> Greater Grand Crossing, Hyde Park, South Shore, Washington Park, Woodlawn</td> </tr> <tr valign="top"> <td align="left"> <strong>60638</strong> </td> <td align="left"> Clearing, Garfield Ridge</td> </tr> <tr valign="top"> <td align="left"> <strong>60639</strong> </td> <td align="left"> Austin, Belmont Cragin, Hermosa, Humboldt Park, Logan Square</td> </tr> <tr valign="top"> <td align="left"> <strong>60640</strong> </td> <td align="left"> Edgewater, Lincoln Square, Uptown</td> </tr> <tr valign="top"> <td align="left"> <strong>60641</strong> </td> <td align="left"> Avondale, Belmont Cragin, Hermosa, Irving Park, Portage Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60642</strong> </td> <td align="left"> Beverly</td> </tr> <tr valign="top"> <td align="left"> <strong>60643</strong> </td> <td align="left"> Beverly, Morgan Park, Washington Heights, West Pullman</td> </tr> <tr valign="top"> <td align="left"> <strong>60644</strong> </td> <td align="left"> Austin</td> </tr> <tr valign="top"> <td align="left"> <strong>60645</strong> </td> <td align="left"> West Ridge</td> </tr> <tr valign="top"> <td align="left"> <strong>60646</strong> </td> <td align="left"> Forest Glen, Jefferson Park, North Park, Norwood Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60647</strong> </td> <td align="left"> Hermosa, Humboldt Park, Logan Square, West Town</td> </tr> <tr valign="top"> <td align="left"> <strong>60649</strong> </td> <td align="left"> South Shore</td> </tr> <tr valign="top"> <td align="left"> <strong>60651</strong> </td> <td align="left"> Austin, Humboldt Park</td> </tr> <tr valign="top"> <td align="left"> <strong>60652</strong> </td> <td align="left"> Ashburn</td> </tr> <tr valign="top"> <td align="left"> <strong>60653</strong> </td> <td align="left"> Douglas, Grand Boulevard, Kenwood, Oakland</td> </tr> <tr valign="top"> <td align="left"> <strong>60655</strong> </td> <td align="left"> Beverly, Morgan Park, Mount Greenwood</td> </tr> <tr valign="top"> <td align="left"> <strong>60656</strong> </td> <td align="left"> O'Hare</td> </tr> <tr valign="top"> <td align="left"> <strong>60657</strong> </td> <td align="left"> Lakeview, North Center </td> </tr> <tr valign="top"> <td align="left"> <strong>60659</strong> </td> <td align="left"> North Park, West Ridge</td> </tr> <tr valign="top"> <td align="left"> <strong>60660</strong> </td> <td align="left"> Edgewater</td> </tr> <tr valign="top"> <td align="left"> <strong>60661</strong> </td> <td align="left"> Loop, Near West Side</td> </tr> <tr valign="top"> <td align="left" colspan="2"> <strong>60664</strong> , 60680, 60681<br /> Near West Side</td> </tr> <tr valign="top"> <td align="left"> <strong>60666</strong> </td> <td align="left"> O'Hare</td> </tr> <tr valign="top"> <td align="left" colspan="2"> <strong>60680, 60681</strong> <br /> Near West Side</td> </tr> <tr valign="top"> <td align="left"><br /> </td> <td align="left"><br /> </td> </tr> </tbody> </table>urn:uuid:a3896c2d-11aa-481e-83f8-5ce8cfedccb1<img src='images/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />by Ed Sneneh, Chicago Car Insurance Agent Personal auto policies are normally sold with a number of coverages that are optional in nature. Customers do not have to have all of these coverages to have themselves properly covered. One of the major sour...Sun, 31 Jul 2011 17:47:33 -0500<p>by Ed Sneneh, <span style="text-decoration: underline;"><em><strong>Chicago Car Insurance</strong></em></span> Agent</p> <p>Personal auto policies are normally sold with a number of coverages that are optional in nature. Customers do not have to have all of these coverages to have themselves properly covered. One of the major sources of confusion comes from the lack of differentiation between <strong>roadside assistance coverage</strong> and <strong>towing coverage</strong>.</p> <p><strong>Towing coverage</strong>, per se, refers to the limit that the insurance company will pay for each disablement because of a covered comprehensive or collision loss. So, in order for you to have that coverage many companies dictate that you need to have comprehensive and collision on your policy. The coverage is subject to two limits. First is the amount of coverage per disablement (ie, $35, $50, or $70 for each disablement). Second is the number of tows per policy period (i.e. 5 times per policy period.) </p> <p>Some insurance companies will not offer this coverage for older vehicles. These companies are usually the non standard car insurance <img alt="" src="images/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" />companies that will insist on providing this coverage for 10 years or younger vehicle. Vehicles that are older than 10 years will not be able to get the coverage. Standard insurance companies may not have this restriction.</p> <p>Most companies offer this coverage based on reimbursement basis, &nbsp;where in the even of a disablement the client will tow the car and submit the receipts to the auto insurance company for reimbursement. Some standard companies may offer a number for clients to call if they need a tow because of an accident where the client does not have to pay from their pocket.</p> Because of the limitations of the <strong>towing coverage</strong> the rates charges are relatively small, as small as $2.00 to $5.00 &nbsp;for six months. It is always worth it to have that coverage. The rate is always connected with the amount and limits of coverage. <br /> <br /> <span style="text-decoration: underline; font-size: 16px;"><em><strong>Roadside Assistance Insurance</strong></em></span> <p><strong>Roadside assistances insurance </strong>is something else. Besides the typical towing, a<strong> roadside assistance plan</strong> may offer extraction and winching, fuel delivery service, vehicle lock-out, battery service, minor repair service, travel accident insurance, limited legal fees, and more.</p> <p><strong>Towing coverage</strong> is part of a roadside assistance plan, but the opposite is not true. <strong>Roadside assistance</strong> is a comprehensive insurance plan that includes the towing coverage. For that reason <strong>cost of roadside assistance</strong> is significantly higher in price than towing. </p> <p>The <strong>rates for roadside assistance</strong> plan vary depending on the amount of coverage, extent of covered area and radius of service offered, limits of coverage, and other smaller benefits included. Among the most prominent companies that issue roadside assistance is AAA insurance. </p> <p>The <strong>AAA roadside assistance membership</strong> has three levels, the <strong>AAA Basic membership</strong>, <strong>AAA Plus RV</strong>, and <strong>AAA Premier RV</strong>. The following is a chart that explains the differences.</p> <p style="text-align: center;">&nbsp;<img src="http://chicago.aaa.com/assets/files/MemberServices/Global/Images/070111_GGEN_AAA-Membership-Benefits-Chart.gif" alt="AAA Roadside Assistance Plans" /></p> <p>Other companies such as the<strong> Progressive auto insurance</strong>, the Hartford Insurance, the <strong>Travelers auto insurance</strong>, and other regional companies may have similar plans. <strong>AAA Insurance</strong> has the most comprehensive one!</p>urn:uuid:a430b1e2-c923-4a5b-99d8-2eaca1be64ea<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Forest Park Illinois Insurance and Community Profiles, 60130 Forest Park IL 60130 (formerly was called&nbsp; Harlem) is one of the Chicago suburban areas with an estimated population of over 15,600 at the 2000 census. Harlem officially became incorpo...Fri, 29 Jul 2011 01:39:02 -0500<h1>Forest Park Illinois Insurance and Community Profiles, 60130<img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></h1> <p><strong>Forest Park IL 60130</strong> (formerly was called&nbsp; <strong>Harlem</strong>) is one of the Chicago suburban areas with an estimated population of over 15,600 at the 2000 census. Harlem officially became incorporated under the name of Forest Park on April 17, 1907. Forest Park was known as the "Village of Cemeteries" because the ratios of the dead was significantly higher than the living (as much as 30 to 1). The auto insurance industry in Forest Park is part of a larger socioeconomic setup. The following is basic community information and profile for Forest Park, IL. 60130.<br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Forest Park &amp;_cityTown=Forest Park &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Forest Park IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Forest Park Cheap Car Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Low Cost Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Forest Park Workers Compensation </strong></span></em></li> </ul> <p> <br /> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Forest Park IL:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol>urn:uuid:6e39173b-3b86-4c73-94d8-bcb484d92003<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Flossmoor Illinois Insurance and Community Profiles Flossmoor, IL 60422 is a Chicago south suburban village in Cook County, Illinois, United States with an estimated population of over 9,300 at the 2000 census. Flossmoor was incorporated in 1924, an...Fri, 29 Jul 2011 01:08:38 -0500<h1>Flossmoor Illinois Insurance and Community Profiles</h1> <div style="text-align: center;"><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></div> <p><strong>Flossmoor, IL 60422</strong> is a Chicago south suburban village in Cook County, Illinois, United States with an estimated population of over 9,300 at the 2000 census. Flossmoor was incorporated in 1924, and is recognized as an affluent suburb, and was also called"home" by famous people such as Mohammad Ali, <span class="mw-redirect">George Schultz</span>, <span class="mw-redirect">Ed Derwinski,&nbsp;Buddy Guy, <span class="mw-redirect">Elisabeth Kubler-Ross</span>, and Beryl Sprinkel</span>. The auto insurance industry in Flossmoor is part of a larger socioeconomic setup. The following is basic community information and profile for Flossmoor, IL 60422.<br /> <br /> <br /> </p> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Flossmoor &amp;_cityTown=Flossmoor &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Flossmoor IL 60422.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ol> <li> <span style="text-decoration: underline;"><em><strong>Flossmoor Cheap Car Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Low Cost Auto Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor SR22 Insurance for Illinois </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Business Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Tow Trucks Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Used Car Dealers Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Auto Service And Repair Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Contractors Insurance </strong></em></span></li> <li><span style="text-decoration: underline;"><em><strong> Flossmoor Workers Compensation </strong></em></span></li> </ol> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Flossmoor IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:7db1d95a-e9b7-4ea0-9f36-af3c3c882cdc<img src='../img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Insurance and Community Profiles for Evergreen Park Illinois 60805 Evergreen Park is a Chicago south suburban village, in Cook County, Illinois, with an estimated population&nbsp; of over 25,000 at the 2009 census. The City o f Chicago is surround...Fri, 29 Jul 2011 01:01:08 -0500<h1>Insurance and Community Profiles for Evergreen Park Illinois 60805 </h1> <p><strong>Evergreen Park</strong> is a Chicago south suburban village, in Cook County, Illinois, with an estimated population&nbsp; of over 25,000 at the 2009 census. The City o</p> <div style="text-align: center;"><img alt="" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /> </div> <p>f Chicago is surrounding Evergreen Park from three directions while Oak Lawn is bordering it from the west. The auto insurance industry in Evergreen Park is part of a larger socioeconomic setup. The following is basic community information and profile for Evergreen Park, IL. 60805<br /> <br /> </p> <div style="text-align: center;"> </div> <div style="text-align: center;"></div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Evergreen Park &amp;_cityTown=Evergreen Park &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Evergreen Park IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Evergreen Park Cheap Car Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Low Cost Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evergreen Park Workers Compensation</strong></span></em> </li> </ul> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Evergreen Park IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:39275c6a-f5bd-4d21-a98d-f5df70006d95<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Evanston Illinois Insurance and Community Profiles Evanston, also referred to as "Grosse Pointe" as called by the French explorers, is a suburban community in Cook County, Illinois, few miles from Chicago. Th e community is bordering Chicago to the ...Fri, 29 Jul 2011 00:55:27 -0500<h1>Evanston Illinois Insurance and Community Profiles</h1> <p><strong>Evanston, </strong>also referred to as "Grosse Pointe" as called by the French explorers<strong>, </strong>is a suburban community in Cook County, Illinois, few miles from Chicago. Th</p> <div style="text-align: center;"><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></div> <p>e community is bordering Chicago to the south, Skokie to the west, and Wilmette to the north Evanston has an estimated population of 74,360 as the census of 2000. The auto insurance industry in Evanston is part of a larger socioeconomic setup. The following is basic community information and profile for Evanston, IL 60201, 60202, 60203, 60204, 60208, 60209<br /> <br /> </p> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Evanston &amp;_cityTown=Evanston &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Evanston IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ol> <li> <em><span style="text-decoration: underline;"><strong>Evanston Cheap Car Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Low Cost Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Evanston Workers Compensation</strong></span></em> </li> </ol> <p> </p> <p> </p> <h2> </h2> <h2> </h2> <h2><img alt="" src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" /> </h2> <h2> </h2> <h2><span style="color: blue;">Insurance Locations Related to Evanston IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:35e5d03f-a7cc-45ee-a300-c278aed1f59f<img src='../img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Elk Grove Village Illinois Insurance and Community Profiles Elk Grove Village is located west of the City of Chicago, near O'Hare Airport. There are over 3,600 businesses in the city business park, making it one of the most important business communi...Fri, 29 Jul 2011 00:48:17 -0500<h1>Elk Grove Village Illinois Insurance and Community Profiles</h1> <p><strong>Elk Grove Village</strong> is located west of the City of Chicago, near O'Hare Airport. There are over 3,600 businesses in the city business park<img alt="" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" />, making it one of the most important business communities in the Chicago area.. The auto insurance industry in Elk Grove Village is part of a larger socioeconomic setup. Elk Grove Village is the home for several Illinois insurance companies. The following is basic community information and profile for Elk Grove Village, IL. 60007, 60009, 60143<br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Elk Grove Village &amp;_cityTown=Elk Grove Village &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2> </h2> <h2 style="text-align: left;"><img alt="" src="/img/%7Ewww.insurancenavy.com/tow%20garage.jpg" /> </h2> <h2>Insurance For Elk Grove Village IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ol> <li> <span style="text-decoration: underline;"><strong>Elk Grove Village Cheap Car Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Low Cost Auto Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village SR22 Insurance for Illinois </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Business Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Tow Trucks Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Used Car Dealers Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Auto Service And Repair Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Contractors Insurance </strong></span></li> <li><span style="text-decoration: underline;"><strong> Elk Grove Village Workers Compensation </strong></span></li> </ol> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Elk Grove Village IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:b7c53922-229e-4029-85c7-70f8213419bb<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Insurance and Community Profiles Dolton Illinois 60419 Dolton is a south suburb city of Chicago with a population of 25,614 at the 2000 census. Dolton is bordered by the City of Chicago to the north; the city of South Holland to the south; the citi...Thu, 28 Jul 2011 23:53:46 -0500<h1>Insurance and Community Profiles Dolton Illinois 60419</h1> <p><strong>Dolton</strong> is a south suburb city of Chicago with a population of 25,614 at the 2000 census. Dolton is bordered by the City of Chicago to the north; the city of South Holland</p> <div style="text-align: center;"><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></div> <p> to the south; the cities of&nbsp; Harvey and Riverdale to the west; and the city of Calumet City to the east.The auto insurance industry in Dolton is part of a larger socioeconomic setup. The following is basic community information and profile for Dolton, IL. 60419<br /> <br /> </p> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Dolton &amp;_cityTown=Dolton &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Dolton IL. 60419</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Dolton Cheap Car Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Low Cost Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Dolton Workers Compensation</strong></span></em> </li> </ul> <p> <br /> <img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Dolton IL 60419:</span></h2> <ol> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol> <p> </p>urn:uuid:4c7f1600-2a56-4c24-99f6-16b656d9ed45by Ed Sneneh, Chicago Auto &amp; Home Insurance Agent Most standard homeowners insurance come with standard coverages that may exclude certain important people that some people need. It is very important that people read their insurance policy to de...Thu, 28 Jul 2011 23:42:07 -0500by Ed Sneneh, <em><strong><span style="text-decoration: underline;">Chicago Auto &amp; Home Insurance </span>Agent</strong></em><br /> <br /> Most standard homeowners insurance come with standard coverages that may exclude certain important people that some people need. It is very important that people read their insurance policy to determine the extent of coverages, what is and what is not covered. The following is a list of coverages that may not be included in your standard homeowners policy: <p><em><span style="text-decoration: underline;"><strong>Guaranteed Replacement Cost on the Structure</strong></span></em> is a rider to homeowners insurance policies according to which the insurance company will pay any amount to fix covered damages to the structure of the house (dwelling), using new materials of similar quality and grade, and without regard to depreciation.</p> <p>For certain older homes, or homes that are made with materials that are hard or unnecessary to replace (obsolete or ornate structure such as rock foundations), <em><span style="text-decoration: underline;"><strong>Functional Replacement Cost </strong></span></em>may be the choice. According to the Functional Replacement Cost, the insurance company will use with construction materials that serve the same function, in the event of damage to the insured property.</p> <em><strong>Replacement cost calculator</strong></em> is a table most insurers use to establish rebuilding cost of the insured's dwelling at a particular point in time. The calculator takes in account the geographical proximity of the house, square footage of living space, amenities and attachments to the house,, and grade of construction material used. Each company has its own calculator and may generate different replacement cost amount, but some companies will accept results of calculations from other companies. <p><em><span style="text-decoration: underline;"><strong>Guaranteed Replacement Cost on Content</strong></span></em> is a rider to homeowners, condo and renters insurance where Personal Property coverage is offered. In the event of a covered loss, the insurance company will pay according to whatever it cost to replace the damaged personal property due to a covered loss.</p> <p><em><span style="text-decoration: underline;"><strong>Backup of &nbsp;Drain or Sewer or Sump Pump</strong></span></em>. This rider is essential for homeowners with finished basements. Any damage to the content of the house because of drain or sewer back up for any reason is not covered unless specifically included in the policy. The company according to this rider will pay, up to the rider's limit, for damages resulting from the backup of sewer or drain for any reason including the failure of sump pump.</p> <p><em><span style="text-decoration: underline;"><strong>Scheduled Personal Property</strong></span></em> is a rider which allows homeowners to include in the insurance coverage certain personal property items that are not included under standard provisions. &nbsp;Expensive cameras, fish tanks, etc. are not normally covered under standard policies, but coverage may be added by listing the policy in a Scheduled Personal Property rider.</p> <p>Homeowners need not to assume that "everything" is covered under their standard homeowners policy. Many essential things need to be endorsed for property to be properly covered. Cost of endorsements vary from one company to another, and while some companies may charge little for a specific rider may charge much higher for another rider. Allowing an independent insurance agent to procure several quotes may be the key solution in order to compare apples with apples.</p>urn:uuid:9e970f85-6b75-4fb4-80b0-2cb4822434aa<img src='../img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Des Plaines Illinois Insurance and Community Profiles Des Plaines, French from "of the plains" and is named after the Des Plaines River which runs through the city. It is a small Chicago suburban community near O'Hare International Airport. Des Plain...Thu, 28 Jul 2011 02:48:30 -0500<h1>Des Plaines Illinois Insurance and Community Profiles</h1> <p><strong>Des Plaines</strong>, French from "of the plains" and is named after the Des Plaines River which runs through the city. It is a small Chicago suburban community near O'Hare International Airport. Des Plaines is also called "City of Destiny." The city had a total population of 58,720 as of the 2000 census.&nbsp; In 1925 the voters incorporated into a city afte<img alt="" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" />r annexing Village of Riverview to the south, and the city grew&nbsp; further after the annexation of Orchard Place area in 1956. The auto insurance industry in Des Plaines is part of a larger socioeconomic setup. The following is basic community information and profile for Des Plaines, IL. 60016<br /> <br /> </p> <div style="text-align: center;"><br /> </div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Des Plaines &amp;_cityTown=Des Plaines &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Des Plaines IL. 60016</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> <em><span style="text-decoration: underline;"><strong>Des Plaines Cheap Car Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Low Cost Auto Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines SR22 Insurance for Illinois </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Business Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Tow Trucks Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Used Car Dealers Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Auto Service And Repair Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Contractors Insurance </strong></span></em></li> <li><em><span style="text-decoration: underline;"><strong> Des Plaines Workers Compensation </strong></span></em></li> </ul> <p> </p> <p> </p> <h2> </h2> <h2><img alt="" src="/img/%7Ewww.insurancenavy.com/preheader.jpg" /> </h2> <h2><span style="color: blue;">Insurance Locations Related to Des Plaines IL 60016:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:8f9545d1-fc7d-4a91-8b8e-4875dcbc5740<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Country Club Hills Illinois Insurance and Community Profiles Country Club Hills is a city located southwest of Chicago in Cook County, Illinois with a population of 16,169 at the 2000 census. East of Country Club Hills is Hazel Crest, Flossmoor and M...Thu, 28 Jul 2011 02:19:57 -0500<h1>Country Club Hills Illinois Insurance and Community Profiles</h1> <p><strong>Country Club Hills</strong> is a city located southwest of Chicago in Cook County, Illinois with a population of 16,169 at the 2000 census. East of Country Club Hills is Hazel Crest, Flossmoor and Matteson to the south, Oak Forest to the northwest, the city of Markham to the north, and Tinley Park to the west. The auto insurance industry in Country Club Hills is part of a larger socioeconomic structure. The following is basic community information and profile for Country Club Hills, IL. 60478<br /> <br /> </p> <div style="text-align: center;"><img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /></div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Country Club Hills &amp;_cityTown=Country Club Hills &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Country Club Hills IL. 60478</h2> <p>Insuranc<img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" />e Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> <strong>Country Club Hills Cheap Car Insurance </strong></p> <p><strong> Country Club Hills Low Cost Auto Insurance </strong></p> <p><strong> Country Club Hills SR22 Insurance for Illinois </strong></p> <p><strong> Country Club Hills Business Insurance </strong></p> <p><strong> Country Club Hills Tow Trucks Insurance </strong></p> <p><strong> Country Club Hills Used Car Dealers Insurance </strong></p> <p><strong> Country Club Hills Auto Service And Repair Insurance </strong></p> <p><strong> Country Club Hills Contractors Insurance </strong></p> <p><strong> Country Club Hills Workers Compensation </strong><br /> <br /> </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Country Club Hills IL 60478:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Country Club Hills and Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:8edde873-314c-4f0d-951a-58bc72a30b40<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Car And Business Insurance and Community Profiles in Cicero Illinois 60804 Cicero, the home of Al Capone, is an incorporated town in Cook County, Illinois, just west of Chicago. The city was named after&nbsp;Marcus Tullius Cicero, the Roman statesma...Thu, 28 Jul 2011 02:06:45 -0500<h1>Car And Business Insurance and Community Profiles in Cicero Illinois 60804</h1> <div style="text-align: center;"><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></div> <p><strong>Cicero</strong>, the home of Al Capone, is an incorporated town in Cook County, Illinois, just west of Chicago. The city was named after&nbsp;Marcus Tullius Cicero, the Roman statesman and orator. Cicero's population was over 86,000 in 2000. Cicero used to run from Harlem Avenue to Western Avenue and 39th Street to North Avenue; however, much of this area was seized&nbsp; by the City Chicago. Much of the Hawthorne Effect studies were co</p> <p>nducted at the Western Electric Company in Cicero between1927 - 1932. The auto insurance industry in Cicero is part of a larger socioeconomic setup. The following is basic community information and profile for Cicero, IL. 60804<br /> <br /> </p> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Cicero &amp;_cityTown=Cicero &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2> </h2> <h2><img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /> </h2> <h2>Insurance For Cicero IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Cicero Cheap Car Insurance </p> <p> Cicero Low Cost Auto Insurance </p> <p> Cicero SR22 Insurance for Illinois </p> <p> Cicero Business Insurance </p> <p> Cicero Tow Trucks Insurance </p> <p> Cicero Used Car Dealers Insurance </p> <p> Cicero Auto Service And Repair Insurance </p> <p> Cicero Contractors Insurance </p> <p> Cicero Workers Compensation </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Cicero IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:44dddeaf-07cb-4349-bcb7-841a6506cca9<img src='images/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Auto SR22 Insurance and Community Profiles For Chicago Ridge Illinois 60415 Chicago Ridge is a village situated on the Southwest borders of Chicago in Cook County, Illinois. The population was 14,127 at the 2000 census.The auto insurance industry in...Thu, 28 Jul 2011 01:40:43 -0500<h1>Auto SR22 Insurance and Community Profiles For Chicago Ridge Illinois 60415 </h1> <p><strong>Chicago Ridge</strong> is a village situated on the Southwest borders of Chicago in Cook County, Illinois. The population was 14,127 at the 2000 census.The auto insurance industry in Chicago Ridge is part of a larger socioeconomic setup. The following is basic community information and profile for Chicago Ridge, IL 60415</p> <div style="text-align: center;"><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img alt="" src="images/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></a></div> <div style="text-align: center;"></div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Chicago Ridge &amp;_cityTown=Chicago Ridge &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2> </h2> <h2> </h2> <h2>Insurance Locations Related to Chicago Ridge IL:</h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Chicago Ridge Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p> <h2>Insurance For Chicago Ridge IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Chicago Ridge Cheap Car Insurance </p> <p> Chicago Ridge Low Cost Auto Insurance </p> <p> Chicago Ridge SR22 Insurance for Illinois </p> <p> Chicago Ridge Business Insurance </p> <p> Chicago Ridge Tow Trucks Insurance </p> <p> Chicago Ridge Used Car Dealers Insurance </p> <p> Chicago Ridge Auto Service And Repair Insurance </p> <p> Chicago Ridge Contractors Insurance </p> <p> Chicago Ridge Workers Compensation </p> <p> </p> <p> </p>urn:uuid:1a53a4d8-a36a-4a4c-bf72-24941a975567<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Chicago Heights Illinois Insurance and Community Profiles Chicago Heights is a city in south Cook County, Illinois with an estimated population of 31,373 at the 2005 census. Thorn Grove, the old name of Chicago Heights, was formed in December 1843. T...Thu, 28 Jul 2011 01:32:59 -0500<h1>Chicago Heights Illinois Insurance and Community Profiles</h1> <p><strong>Chicago Heights</strong> is a city in south Cook County, Illinois with an estimated population of 31,373 at the 2005 census. Thorn Grove, the old name of Chicago Heights, was formed in December 1843. The first railroad arrived in 1853 at the village was renamed Bloom and in 1892 the village was renamed this time to Chicago Heights and incorporated as a village. The auto insurance industry in Chicago Heights is part of a larger socioeconomic setup. The following is basic community information and profile for Chicago Heights, IL.<br /> <br /> </p> <div style="text-align: center;"><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img alt="" src="/img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></a></div> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Chicago Heights &amp;_cityTown=Chicago Heights &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Chicago Heights IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> <span style="text-decoration: underline;"><em><strong>Chicago Heights Cheap Car Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Low Cost Auto Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights SR22 Insurance for Illinois </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Business Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Tow Trucks Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Used Car Dealers Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Auto Service And Repair Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Contractors Insurance </strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong> Chicago Heights Workers Compensation </strong></em></span></p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Chicago Heights IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:ad08223e-231b-461a-be5d-031b6729f86a<img src='../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Calumet City Illinois Auto SR22 Insurance and Community Profiles Calumet City is a city in Cook County, Illinois, with a population of 39,072 according to&nbsp; the 2000 census. It is normally referred to as "Cal City" or "Wild Cal". Calumet City w ...Thu, 28 Jul 2011 01:21:49 -0500<h1>Calumet City Illinois Auto SR22 Insurance and Community Profiles</h1> <p><strong>Calumet City</strong> is a city in Cook County, Illinois, with a population of 39,072 according to&nbsp; the 2000 census. It is normally referred to as "Cal City" or "Wild Cal". Calumet City w</p> <div style="text-align: center;"><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img alt="" src="../img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" style="float: right;" /></a></div> <p>as founded in 1892 when the villages of Schrumville &amp; Sobieski Park merged under the name of West Hammond. Later and in 1924 the city changed its name to Calumet City.The auto insurance industry in Calumet City is part of a larger socioeconomic setup. The following is basic community information and profile for Calumet City, IL. 60409<br /> <br /> </p> <iframe scrolling="no" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Calumet City &amp;_cityTown=Calumet City &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2> </h2> <h2>Truck and SR22 Car Insurance For Calumet City IL. 60409</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Calumet City Cheap Car Insurance </p> <p> Calumet City Low Cost Auto Insurance </p> <p> Calumet City SR22 Insurance for Illinois </p> <p> Calumet City Business Insurance </p> <p> Calumet City Tow Trucks Insurance </p> <p> Calumet City Used Car Dealers Insurance </p> <p> Calumet City Auto Service And Repair Insurance </p> <p> Calumet City Contractors Insurance </p> <p> Calumet City Workers Compensation <br /> <br /> </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Calumet City IL 60409:</span></h2> <ul> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ul> <p> </p>urn:uuid:ab9da98a-4386-4185-b305-70ff15fa9b5c<img src='../img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Burbank Illinois Insurance and Community Profiles Burbank is a city southwest of Chicago, close to Midway Airport. The city shares a boundary with Oak Lawn to its south, Bridgeview to its west , and Bedford Park to its north. Burbank was incorpora...Thu, 28 Jul 2011 01:16:09 -0500<h1>Burbank Illinois Insurance and Community Profiles<a href="http://www.insurancenavy.com/framed.aspx?ref=100"> <div style="text-align: center;"><img alt="" src="../img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /></div> </a></h1> <p>Burbank is a city southwest of Chicago, close to Midway Airport. The city shares a boundary with Oak Lawn to its south, Bridgeview to its west<a href="http://www.insurancenavy.com/framed.aspx?ref=100"> </a><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> </a>, and Bedford Park to its north. Burbank was incorporated into a city in 1970 basically to resist annexation by the <span class="mw-redirect">City of Chicago</span>. It was named after Luther Burbank School,The auto SR22 insurance industry in Burbank is part of a larger socioeconomic setup. The following is basic community information and profile for Burbank, IL. 60459<a href="http://www.insurancenavy.com/framed.aspx?ref=100"> </a><a href="http://www.insurancenavy.com/framed.aspx?ref=100"> </a><br /> <br /> </p> <a href="http://www.insurancenavy.com/framed.aspx?ref=100"> </a> <iframe scrolling="yes" height="1800" frameborder="0" width="1000" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Burbank &amp;_cityTown=Burbank &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance: Sr22 and Auto Insurance in Burbank IL. 60459</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Burbank Cheap Car Insurance </p> <p> Burbank Low Cost Auto Insurance </p> <p> Burbank SR22 Insurance for Illinois </p> <p> Burbank Business Insurance </p> <p> Burbank Tow Trucks Insurance </p> <p> Burbank Used Car Dealers Insurance </p> <p> Burbank Auto Service And Repair Insurance </p> <p> Burbank Contractors Insurance </p> <p> Burbank Workers Compensation </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Burbank IL 60459:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:d03c8d59-8d62-4f1d-95b6-501c58b6e452by Ed Sneneh, Agent for Auto SR22 Insurance in Chicago Illinois Subrogation is the substitution of one party in the place of another party (normally two parties of legal contract) in regard to a claim or legal right. When a victimized party becomes e...Thu, 28 Jul 2011 00:30:15 -0500<p>by Ed Sneneh, Agent for <span style="text-decoration: underline;"><em><strong>Auto SR22 Insurance in Chicago Illinois</strong></em></span></p> <p>Subrogation is the substitution of one party in the place of another party (normally two parties of legal contract) in regard to a claim or legal right. When a victimized party becomes eligible to recover for damages caused by another third party and the insurance company of the victim pays him or her for&nbsp; the damages under an insurance contract, then the insured person (victim) will subrogate his or her right to the insurer that paid for the damages to collect for the damages on his or her behalf. This process in which the insured person (victim) relinquishes his or her right to the insurance company to collect on his/ her behalf is called Subrogation.</p> <p>Subrogation goes hand in hand with the <em><strong>Principle of Indemnity</strong></em> which implies that insured people cannot and should not benefit from insurance claims and should only be reimbursed for their loss. Subrogation was developed to prevent insured people (victims) from collecting twice, once from their own insurance company, and second from the people who caused the damage or their insurer. In other words, people who suffer losses can only collect maximum up to their insurance limits.</p> <p><em><strong>Subrogation clauses</strong></em> can be found in almost all insurance contracts, including homeowners insurance policies, auto insurance policies, commercial insurance policies, and health insurance policies. Subrogation is not relevant to life insurance policies.</p> <p><strong>Example of Subrogation in Auto Insurance</strong>: John purchases a personal auto policy,&nbsp; John has full coverage on his auto. Someone hit John's car, causing a damage of $3,000.00 Not eager to go after the other driver, John calls his agent and his company decides to fix his car. John insurance company decides to pay $2,500 which is the cost of the repair ($3,000) minus John's deductible of $500.00. According to the subrogation clause, John's insurance company has the right to go after the driver that hit John and collect for damages. If John's company collects from the other driver or the driver's insurance company, then John's will be entitled to his deductible only. John cannot collect from his company and at the same time seek reimbursement from any other third party.<br /> <br /> </p> <p><strong>Waiver of Subrogation Endorsement.</strong></p> <p>It is clear that the subrogation clause works very well in favor of insurance companies. The clause may not work very well in business contracts and business insurance, especially contractors insurance and workers compensation insurance. Waiver of Subrogation is an endorsement that is sought by some insured people to stop insurance companies from seeking damages from certain people listed on the policy, in the even of losses suffered by the insured and thought to be caused by the parties seeking the waiver. In other words, waiver of subrogation is meant to keep people requiring it stay away from litigations and lawsuits.</p> <p>Example of Waiver of Subrogation: ABC Construction is trying to execute a multi million project to extend construction of an existing mall owned by XYZ Properties. XYZ Properties is asking ABC Construction to provide proofs of builders risk insurance, workers compensation insurance and commercial general liability with waiver of subrogation endorsements on both policies. ABC Construction called their agent who asked them for an additional $2,500 to waive the subrogation regarding XYZ Properties with their Nice Insurance Company.&nbsp; This waiver of subrogation will keep XYZ Prosperities from any lawsuits brought by ABC Construction or Nice Insurance Company as a result of executing that project.<br /> <br /> </p> <iframe width="100%" align="middle" height="1000" frameborder="no" src="https://98111375-a61f-48a0-915e-fcdbff166a4c.autoquote.iwantinsurance.com/welcome.aspx" name="iwb_inline_quote_form"></iframe>urn:uuid:e8f2bafe-d822-4c3c-9f15-f098c709c968<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Insurance and Community Profiles for Brookfield Illinois 60513 Brookfield is the home of the world know Brookfield Zoo,&nbsp; and is formerly know as Grossdale, after the name of Samuel Eberly Gross, a Chicago lawyer who started&nbsp; selling buildin...Thu, 28 Jul 2011 00:12:10 -0500<h1>Insurance and Community Profiles for Brookfield Illinois 60513</h1> <p><strong>Brookfield</strong> is the home of the world know <strong>Brookfield Zoo,&nbsp; and is formerly know as <strong>Grossdal</strong></strong>e, after the name of Samuel Eberly Gross, a Chicago lawyer who started&nbsp; selling building lots platted from farms and woodlands he had acquired along both sides of the <span class="mw-redirect">Chicago, Burlington &amp; Quincy Railroad</span> line. The auto insurance industry in Brookfield is now part of a larger socioeconomic setup. The following is basic community information and profile for Brookfield, IL.</p> <div style="text-align: center;"><img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /><br /> </div> <div style="text-align: center;"></div> <iframe width="1000" scrolling="yes" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Brookfield &amp;_cityTown=Brookfield &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <br /> <br /> <h2>Insurance For Brookfield IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Brookfield Cheap Car Insurance </p> <p> Brookfield Low Cost Auto Insurance </p> <p> Brookfield SR22 Insurance for Illinois </p> <p> Brookfield Business Insurance </p> <p> Brookfield Tow Trucks Insurance </p> <p> Brookfield Used Car Dealers Insurance </p> <p> Brookfield Auto Service And Repair Insurance </p> <p> Brookfield Contractors Insurance </p> <p> Brookfield Workers Compensation <br /> <br /> <a href="http://www.insurancenavy.com/framed.aspx?ref=100"> <br /> </a></p> <h2><span style="color: blue;">Insurance Locations Related to Brookfield IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:64ea37c1-9f26-428c-831c-281618f9be47<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Broadview Illinois Auto Insurance and Community Profiles Broadview is a village in Cook County, Illinois 13 miles&nbsp; west of Chicago. The village was incorporated&nbsp; in 1914. It is located in Proviso Township along the western edge of Cook Coun...Wed, 27 Jul 2011 23:57:38 -0500<h1>Broadview Illinois Auto Insurance and Community Profiles</h1> <p><strong>Broadview</strong> is a village in Cook County, Illinois 13 miles&nbsp; west of Chicago. The village was incorporated&nbsp; in 1914. It is located in Proviso Township along the western edge of Cook County. The population was 8,264 at the 2000 census. The auto insurance industry in Broadview is part of a larger socioeconomic setup. The following is basic community information and profile for Broadview, IL. 60155<br /> <br /> </p> <iframe width="1000" scrolling="yes" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Broadview &amp;_cityTown=Broadview &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2><img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" /> </h2> <h2>Auto SR22 Insurance For Broadview IL. 60155</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Broadview Cheap Car Insurance </p> <p> Broadview Low Cost Auto Insurance </p> <p> Broadview SR22 Insurance for Illinois </p> <p> Broadview Business Insurance </p> <p> Broadview Tow Trucks Insurance </p> <p> Broadview Used Car Dealers Insurance </p> <p> Broadview Auto Service And Repair Insurance </p> <p> Broadview Contractors Insurance </p> <p> Broadview Workers Compensation </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Broadview IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:43e7a1db-73db-493c-94c8-b1dd3eaac364Blue Island Illinois Insurance and Community Profiles Blue Island is situated on the southern borders of Chicago, and it is so named because it is situated on the south end of a glacial moraine that was once an island when Lake Chicago covered the su...Wed, 27 Jul 2011 23:43:09 -0500<h1>Blue Island Illinois Insurance and Community Profiles</h1> <p>Blue Island is situated on the southern borders of Chicago, and it is so named because it is situated on the south end of a glacial moraine that was once an island when Lake Chicago covered the surrounding area thousands of years ago at the end of the last ice age. In the past people gave the ridge the name because at a distance it looked like an island set in a trackless prairie sea. The auto insurance industry in Blue Island is part of a larger socioeconomic setup. The following is basic community information and profile for Blue Island, IL<br /> <br /> </p> <iframe width="1000" scrolling="yes" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Blue Island &amp;_cityTown=Blue Island &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Auto And Business Insurance For Blue Island IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ul> <li> Blue Island Cheap Car Insurance </li> <li> Blue Island Low Cost Auto Insurance </li> <li> Blue Island SR22 Insurance for Illinois </li> <li> Blue Island Business Insurance </li> <li> Blue Island Tow Trucks Insurance </li> <li> Blue Island Used Car Dealers Insurance </li> <li> Blue Island Auto Service And Repair Insurance </li> <li> Blue Island Contractors Insurance </li> <li> Blue Island Workers Compensation </li> </ul> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Blue Island IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:848e69e4-d227-485c-a898-d5902edb7106<img src='images/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />Berwyn Illinois Insurance and Community Profiles Berwyn Illinois,&nbsp; which was formed in 1908 after breaking off from the township of Cicero is one of the main villages of the souhtwest suburbs of Chicago. Mexican Americans represent about 31.0%. ...Wed, 27 Jul 2011 23:35:04 -0500<h1>Berwyn Illinois Insurance and Community Profiles</h1> <p>Berwyn Illinois,&nbsp; which was formed in 1908 after breaking off from the township of Cicero is one of the main villages of the souhtwest suburbs of Chicago. Mexican Americans represent about 31.0%. Non-Hispanic whites were 56.42% of the population. The auto insurance industry in Berwyn is part of a larger socioeconomic setup. The follo<img alt="" style="float: right; margin-top: 16px;" src="images/%7Ewww.insurancenavy.com/sr22%20708.jpg" />wing is basic community information and profile for Berwyn, IL. </p> <iframe width="1000" scrolling="yes" height="500" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Berwyn &amp;_cityTown=Berwyn &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Berwyn IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ol> <li> Berwyn Cheap Car Insurance </li> <li> Berwyn Low Cost Auto Insurance </li> <li> Berwyn SR22 Insurance for Illinois </li> <li> Berwyn Business Insurance </li> <li> Berwyn Tow Trucks Insurance </li> <li> Berwyn Car Dealers Insurance </li> <li> Berwyn Auto Service And Repair Insurance </li> <li> Berwyn Contractors Insurance </li> <li> Berwyn Workers Compensation </li> </ol> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Berwyn IL:</span></h2> <ol> <li><a target="_blank" href="http://maps.google.com/maps/place?&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=workers+compensation+berwyn+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=tow+truck+Berwyn+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=contractors+insurance+berwyn+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </li> <li><a target="_blank" href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a></li> </ol> <p> </p>urn:uuid:ac884bcf-7073-4483-afd0-b58a95179a7eBerkeley Illinois Insurance and Community Profiles Berkeley was incorporated in 1924, the population at the 2000 census was 5,245, located on Cook County's western borders The auto insurance industry in Berkeley is part of a larger socioeconomic of B...Wed, 27 Jul 2011 23:22:44 -0500<h1>Berkeley Illinois Insurance and Community Profiles</h1> <p>Berkeley was incorporated in 1924, the population at the 2000 census was 5,245, located on Cook County's western borders The auto insurance industry in Berkeley is part of a larger socioeconomic of Berke;ey. The following is basic community information and profile for Berkeley, IL 60163<br /> <br /> </p> <iframe width="1000" scrolling="yes" height="500" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Berkeley &amp;_cityTown=Berkeley &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Berkeley IL. 60163</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ol> <li> Berkeley Low Cost Car Insurance </li> <li> Berkeley SR22 Insurance for Illinois </li> <li> Berkeley Business Insurance </li> <li> Berkeley Tow Trucks Insurance </li> <li> Berkeley Used Car Dealers Insurance </li> <li> Berkeley Auto Service And Repair Insurance </li> <li> Berkeley Contractors Insurance including General Contractors, Electrician and Plumber</li> <li> Berkeley Workers Compensation </li> </ol> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Berkeley IL 60163:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:45df5142-bd20-4f09-b4cb-81c752713771Bellwood Illinois Insurance and Community Profiles Bellwood, the&nbsp;home town of two NASA astronauts Eugene Cernan and Lee J. Archambault, is a village in Proviso Township, Cook County, a Southwest Suburb of Chicago. The auto insurance industry in ...Wed, 27 Jul 2011 23:14:20 -0500<h1>Bellwood Illinois Insurance and Community Profiles</h1> <p><strong>Bellwood</strong>, the&nbsp;home town of two NASA astronauts Eugene Cernan and <span class="mw-redirect">Lee J. Archambault,</span> is a village in Proviso Township, Cook County, a Southwest Suburb of Chicago. The auto insurance industry in Bellwood is part of a larger socioeconomic setup. The following is basic community information and profile for Bellwood, IL 60104</p> <iframe width="1000" scrolling="yes" height="500" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Bellwood &amp;_cityTown=Bellwood &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Bellwood IL 60104.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <ol> <li> Bellwood Cheap Car Insurance </li> <li> Bellwood Low Cost Auto Insurance </li> <li> Bellwood SR22 Insurance for Illinois </li> <li> Bellwood Business Insurance </li> <li> Bellwood Tow Trucks Insurance </li> <li> Bellwood Used Car Dealers Insurance </li> <li> Bellwood Auto Service And Repair Insurance </li> <li> Bellwood Contractors Insurance </li> <li> Bellwood Workers Compensation </li> </ol> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Bellwood IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:3c3fe4d5-5b0c-42d3-a94a-2f9abffb893eBedford Park Illinois Insurance and Community Profiles Bedford Park is a village on the Southwest Suburban area of Chicago. The population was 574 at the 2000 census. Bedford Park consists of a small residential area and vast amounts of heavy industr...Wed, 27 Jul 2011 23:09:13 -0500<h1>Bedford Park Illinois Insurance and Community Profiles</h1> <p><strong>Bedford Park</strong> is a village on the Southwest Suburban area of Chicago. The population was 574 at the 2000 census. Bedford Park consists of a small residential area and vast amounts of heavy industry sprawling to the east and a small amount to the west.The auto insurance industry in Bedford Park is part of a larger socioeconomic setup. The following is basic community information and profile for Bedford Park, IL 60501</p> <iframe width="1000" scrolling="yes" height="500" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Bedford Park &amp;_cityTown=Bedford Park &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Bedford Park IL. 60501</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Bedford Park Cheap Car Insurance </p> <p> Bedford Park Low Cost Auto Insurance </p> <p> Bedford Park SR22 Insurance for Illinois </p> <p> Bedford Park Business Insurance </p> <p> Bedford Park Tow Trucks Insurance </p> <p> Bedford Park Used Car Dealers Insurance </p> <p> Bedford Park Auto Service And Repair Insurance </p> <p> Bedford Park Contractors Insurance </p> <p> Bedford Park Workers Compensation </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Bedford Park IL 60501:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:d7fe5ca4-3cd0-4c37-a9eb-200ab62e8600Arlington Heights Illinois Insurance and Community Profiles Arlington Heights lies mostly in the west side of Wheeling Township, with territory in adjacent Elk Grove and Palatine townships, in an area originally notable for the absence of groves and ...Wed, 27 Jul 2011 23:02:29 -0500<h1>Arlington Heights Illinois Insurance and Community Profiles</h1> <p>Arlington Heights lies mostly in the west side of Wheeling Township, with territory in adjacent Elk Grove and Palatine townships, in an area originally notable for the absence of groves and trees. The auto insurance industry in Arlington Heights is part of a larger socioeconomic setup. The following is basic community information and profile for Arlington Heights, Illinois 60004</p> <iframe width="1000" scrolling="yes" height="500" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Arlington+Heights &amp;_cityTown=Arlington+Heights &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <p> </p> <h2>Insurance For Arlington Heights IL. 60004</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Arlington Heights Cheap Car Insurance </p> <p> Arlington Heights Low Cost Auto Insurance </p> <p> Arlington Heights SR22 Insurance for Illinois </p> <p> Arlington Heights Business Insurance </p> <p> Arlington Heights Tow Trucks Insurance </p> <p> Arlington Heights Used Car Dealers Insurance </p> <p> Arlington Heights Auto Service And Repair Insurance </p> <p> Arlington Heights Contractors Insurance </p> <p> Arlington Heights Workers Compensation </p> <p> </p> <p> </p> <h2><span style="color: blue;">Insurance Locations Related to Arlington Heights IL:</span></h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:6fa95cdf-851a-4778-8541-3fe7a593971c<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/2nd%20ad.bmp' align='left' />Alsip Illinois Insurance and Community Profiles Alsip is a village situated on the Southwest borders of Chicago, in Cook County, Illinois with a total population of 19,725 at the 2000 census. Alsip was named after Frank Alsip who owned a brickyard i...Wed, 27 Jul 2011 22:55:50 -0500<h1>Alsip Illinois Insurance and Community Profiles</h1> <p><strong>Alsip</strong> is a village situated on the Southwest borders of Chicago, in Cook County, Illinois with a total population of 19,725 at the 2000 census. Alsip was named after Frank Alsip who owned a brickyard in the village in 1885. Alsip is bordered to the west by Worth, Illinois. To the south is Crestwood. Oak Lawn lies to the north. Merrionette Park, Blue Island, and Robbins lie to the east (north-south, respectively). The Mount Greenwood neighborhood of Chicago lies to the north and east.The auto insurance industry in Alsip is part of a larger socioeconomic setup. The following is basic community information and profile for Alsip, IL. 60803<br /> <br /> <br /> </p> <div style="text-align: center;"><a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img alt="" src="/img/%7Ewww.insurancenavy.com/2nd%20ad.bmp" /></a></div> <iframe width="1000" scrolling="no" height="1800" frameborder="0" src="http://factfinder.census.gov/servlet/ACSSAFFFacts?_event=Search&amp;geo_id=&amp;_county=Alsip &amp;_cityTown=Alsip &amp;_state=04000US17&amp;_zip=&amp;_lang=en&amp;_sse=on&amp;pctxt=fph&amp;pgsl=010"> </iframe> <h2>Insurance For Alsip IL.</h2> <p>Insurance Navy is a major player in the auto insurance and business insurance industry. Below you will find some of our Google Maps.</p> <p>Insurance Navy provide the following products and services: </p> <p> Alsip Cheap Car Insurance </p> <p> Alsip Low Cost Auto Insurance </p> <p> Alsip SR22 Insurance for Illinois </p> <p> Alsip Business Insurance </p> <p> Alsip Tow Trucks Insurance </p> <p> Alsip Used Car Dealers Insurance </p> <p> Alsip Auto Service And Repair Insurance </p> <p> Alsip Contractors Insurance </p> <p> Alsip Workers Compensation </p> <p> </p> <h2>Insurance Locations:</h2> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Cicero+Berwyn+IL&amp;hl=en&amp;cid=8453124237009440539">Auto Insurance for Cicero Berwyn Areas</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Palos+Hills+IL&amp;hl=en&amp;cid=14549721993612267253">Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Riverside+IL&amp;hl=en&amp;cid=18091292077543698504">Car Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Calumet+City+IL&amp;hl=en&amp;cid=13883510847365593882">Insurance for South Suburbs of Chicago and Northwest Indiana</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Midlothian+IL&amp;hl=en&amp;cid=9111859616085995847">South And Southwest Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+maywood+IL&amp;hl=en&amp;cid=9026740643827224182">Insurance for West Suburbs of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+car+sr22+insurance+Chicago+IL&amp;hl=en&amp;cid=12941728939289110078">Insurance for City of Chicago</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+harvey+IL&amp;hl=en&amp;cid=10378772314097382413">Auto Insurance in South Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+joliet+shorewood+IL&amp;hl=en&amp;cid=2915786593158620503">Insurance for Far Southwest Suburbs</a> </p> <p><a href="http://maps.google.com/maps/place?q=cheap+auto+sr22+insurance+brdigeview+burbank+IL&amp;hl=en&amp;cid=7367298465770034557">Insurance for Southwest Suburbs of Chicago</a> </p>urn:uuid:0526b3ca-5e63-4549-98cf-488a72249c9d&nbsp;by Ed Sneneh, Agent, Auto SR22 Insurance in Chicago Illinois Insurance laws in Illinois make it mandatory for all motorists to carry auto insurance as part of their financial responsibility in Illinois . These laws do not prohibit people from n...Wed, 27 Jul 2011 02:36:08 -0500<p>&nbsp;by Ed Sneneh, Agent, <span style="text-decoration: underline;"><em><strong>Auto SR22 Insurance in Chicago Illinois</strong></em></span></p> Insurance laws in Illinois make it mandatory for all motorists to carry auto insurance as part of their <em><strong>financial responsibility in Illinois</strong></em> . These laws do not prohibit people from not carrying car insurance. Therefore, we still have many uninsured motorists driving on Illinois road, despite the <em><strong>Illinois mandatory insurance laws</strong></em>. About 15% of motorists in Illinois operate their vehicles without any insurance, according to some estimates. <p>Uninsured motorists that cause car crashes face penalties from the State, including suspending their driving privileges. Paying for these damages become the responsibility of the uninsured motorists, and driving privileges will not be reinstated without either a full payment or payment plan agreement.&nbsp; A victim of an uninsured motorist may take some actions against the uninsured motorists. These actions may range from reporting the judgment to the State (Illinois Department of Transportation Accident Report Office, 3215 Executive Park Drive, Springfield, Illinois 62766, phone 217-782-4516). Also, victims of uninsured motorists may take legal actions against motorists that cause the injuries and&nbsp; the damage.</p> <p>In the State of Illinois the extent of actions that victims of uninsured motorists are limited to reporting the claims to the State (which will suspend driving privileges pending making payments and <span style="text-decoration: underline;"><em><strong>filing for Illinois SR22 insurance</strong></em></span>) to legal actions against uninsured people. In three other states (North Dakota, New Jersey and Maryland) a special fund was created to deal with the unsatisfied judgments made in favor of victims of uninsured motorists. Illinois remains one of the States that mandate&nbsp; <em><strong>Uninsured Motorists Bodily Injury</strong></em> on auto policies issued in the State. This coverage however does not offer any protection for any property damages caused by the uninsured motorists.</p> <p>&nbsp;</p> <p><span style="font-size: 16px; text-decoration: underline;"><strong>Car Insurance Unsatisfied Judgment Funds</strong></span></p> <p>Mimicking the ideas in Canada, legislators from the above three states decided to establish specialized funds to offer a recourse to victims of uninsured motorists and to &nbsp;provide them with payments for&nbsp; judgment issued in their favor. The first fund was created in 1947 in the State of New Jersey. The amount of payments are subject to the mandatory limits of the state.</p> <p>To collect from the Fund, the victim of uninsured motorist must demonstrate that they exhausted and failed to recover using all other means.</p> <p>Enacting an <em><strong>Unsatisfied Judgment Funds in Illinois</strong></em> may not help many people. <em><strong>Uninsured Motorist Bodily Injury</strong></em> (pays for bodily damages caused by uninsured motorists) is mandatory in Illinois. <em><strong>Uninsured Motorist Property Damage</strong></em> (pays for your property damage caused by someone who is legally uninsured)&nbsp; is an optional coverage, but may be purchased at a very nominal premium.</p>urn:uuid:5ba914d4-acea-46a9-8462-0826a6007a71by Ed Sneneh, Chicago Car Insurance Agent Personal auto insurance is designed to provide protection for certain motorized vehicles. These vehicles have to meet certain criteria to qualify for this personal protection. Most eligible vehicles fall in t...Tue, 26 Jul 2011 02:08:14 -0500<p>by Ed Sneneh, <span style="text-decoration: underline;"><em><strong>Chicago Car Insurance Agent</strong></em></span></p> <p>Personal auto insurance is designed to provide protection for certain motorized vehicles. These vehicles have to meet certain criteria to qualify for this personal protection. Most eligible vehicles fall in the category of a "motorized four wheel vehicle that is owned by or leased to the insured, and is not used for any business purposes." </p> <p>The above describes most personal autos and SUVs. Trucks and Vans that are not used for business purposes also qualify for a personal auto insurance policy coverage. Any vehicles that is used for business affairs, regardless of its type or body style, weight or shape, is not qualified for a personal auto insurance coverage.</p> <p>The standard <em><strong>personal auto insurance policy</strong></em> to which most standard insurance companies subscribe,&nbsp; describes<em><strong> "your covered auto"</strong></em> as one of the following:</p> <p>(1) Any auto listed on the <em><strong>auto insurance policy declaration</strong></em> page of the policy. This </p> <p>(2) Any private passenger auto, pickup or van that is acquired during the policy term, and which the insured person requested adding within 30 days from acquiring that auto. Note that this provision may not be the same among other companies (<em><strong>non standard auto insurance</strong></em> companies) where the insured person must immediately report the vehicle to their company to be properly covered.</p> <p>(3) The auto is not used for business, delivery, or any other commercial purposes.</p> <p>(4) Owned trailers when attached to a covered auto.</p> <p>(5) Any <em><strong>non owned auto</strong></em>, van or truck that you do not own which is used as a temporary substitute for any other vehicle described in the policy which is out of its normal use because its breakdown, destruction, loss, servicing or repair.</p> <p><span style="text-decoration: underline;"><em><strong>Definitions of Non Owned Auto</strong></em></span> in Personal Auto Policy</p> <p>In the <strong>personal auto insurance policy</strong> a <strong>non owned auto</strong> is a privately owned vehicle that is not owned by you and that is not furnished for your regular use. A vehicle that is owned by a corporation does not fall under this category. The same applies for vehicles that you or your spouse own, or vehicles that are owned by others but are furnished for your regular use. According to the standard personal auto policy both liability as well as comprehensive and collision coverages will extent to the " Non Owned Auto."</p> <p><em><span style="text-decoration: underline;"><strong>Standard Vs Non Standard Auto Insurance Companies</strong></span></em>.</p> <p>The above description pertaining the personal auto policy is more appropriate for standard insurance companies such as the <em><span style="text-decoration: underline;"><strong>Hartford auto insurance, Progressive auto insurance, AAA auto insurance, Travelers auto insurance, Allstate auto insurance, State Farm auto insurance</strong></span></em>, and many other good companies. Other companies that fall under the classification of non standard car insurance companies may alter their definitions of '<span style="text-decoration: underline;"><strong>Your Covered Auto</strong></span>'. It is always recommended to read your policy and to understand what is covered and what is not.<br /> <br /> <br /> Copyright &copy; 2011, InsuranceNavy.com. All Rights Reserved.</p>urn:uuid:0c5a42ee-61b2-48cd-a9c4-cb03ffa37df7<img src='http://www.insurancenavy.com/img/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />by Ed Sneneh, Chicago Auto SR22 Insurance Agent There are many times when the same vehicles happen to have duplicate auto insurance coverage, or be covered by two or more insurance policies. People think that it is unlawful for vehicle owners to have...Mon, 25 Jul 2011 00:29:23 -0500<p>by Ed Sneneh, <span style="text-decoration: underline;"><em><strong>Chicago Auto SR22 Insurance Agent</strong></em></span></p> <p>There are many times when the same vehicles happen to have <em><strong>duplicate auto insurance coverage</strong></em>, or be covered by two or more insurance policies. People think that it is unlawful for vehicle owners to have more than one policy on the same car. This article discusses the possible scenarios and potential outcomes for having duplicate coverage on the same vehicle.</p> <p><em><strong>Duplicate car insurance coverage</strong></em> on the same vehicle can happen because of a mistake, or because of using another non owned vehicle. Trying to collect from two different companies for comprehensive or collision loss on the same vehicle may be classified as <span style="text-decoration: underline;"><em><strong>car insurance fraud</strong></em></span>. This is a clear deliberate violation of the <em>principle of indemnity </em>which states that insured people cannot profit from their insurance coverage. </p> <p><em><strong>Duplicate auto insurance coverage</strong></em> may occur as a result of a mistake, such as:</p> <p>1. Obtaining a regular auto insurance policy, or adding a <em><strong>newly acquired vehicle</strong></em> to an existing policy while the same car has an active temporary insurance with another company.</p> <p>2. Purchasing a separate policy for an auto by a family member while the same vehicle is covered by a different family member.<img alt="" src="/img/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /></p> <p>If there was a&nbsp; liability, comprehensive or collision loss, then participating insurance companies would divide the loss equally if the loss was a comprehensive or collision. However, if the loss was a liability loss then each company will &nbsp;pay its share, which is the proportion&nbsp; that the company limit of liability bears to the total of all liability limits.</p> <p>Example for sharing liability limits:</p> <p>John and Sarah purchased a liability policy covering three vehicles, their own and their son's vehicle (Tim). Unaware that his parents purchased insurance for his vehicle Tim also purchased a policy to cover has Chevy truck. Now the Chevy is covered under two different policies. &nbsp;If the parents' liability limits was $100,000 and Tim's liability limits was $25,000, then this will be the calculation for paying in case of an at fault accident where Tim's car caused some damage with a cost $10,000.</p> <p>Total liability insurance on Tim's vehicle = $125,000 ($100,000 + $25,000)</p> <p>Parent's policy portion is = 80% (100,000 / 125,000)</p> <p>Tim's policy portion is = 20%&nbsp; (25,000 / 125,000)</p> <p>Parent's company share of the loss = $8,000 (80% X 10,000)</p> <p>Tim's company share of the loss = &nbsp;$20,000 (20% X 10,000)</p> <p>A more common scenario for <em><strong>duplicate&nbsp; auto insurance coverage</strong></em> is when some one with an active insurance policy uses the insured vehicle of someone else, then get into a car accident. If a person gets involved in car crash while operating a non owned auto or any auto used as a temporary substitute, then the company's insurance of that person will be an&nbsp;<span style="text-decoration: underline;"><em><strong>excess auto insurance</strong></em></span>, and will pay for any amount above and beyond other collectible insurance. </p> <p>Example: Assume that Jack has an <strong>auto insurance policy</strong> with liability limits of $50,000 on his Toyota truck and his friend Jason has a liability policy with a limit of $25,000&nbsp; for his Ford Explorer. Assume also that Jack got in a crash while operating Jason's Ford causing a damage of $15,000. In that case, the entire amount of $15,000 will be paid by Jason's policy (primary insurance) and Jack's insurance (excess) will not pay anything. However if the amount of damage caused by the crash was $45,000, then Jason's company will pay the maximum $25,000 available on the policy and the balance of the damage of $20,000 (45,000 minus 25,000) will be paid by Jack's company under his Toyota's policy.</p>urn:uuid:2869dd11-da42-4d47-a0d9-b3e61ee7e3dcby Ed Sneneh Auto Insurance Company Rep. Chicago, Illinois Car Insurance Claims Expert, Chicago, Illinois The personal auto policy contains sets of duties and responsibilities of both the insurance companies and the insured person. Both parties have...Fri, 22 Jul 2011 11:56:29 -0500<p>by Ed Sneneh<br /> <em><strong>Auto Insurance Company Rep. Chicago, Illinois<br /> Car Insurance Claims Expert, Chicago, Illinois</strong></em><br /> <br /> The <em>personal auto policy</em> contains sets of duties and responsibilities of both the insurance companies and the insured person. Both parties have to fulfill their duties and responsibilities if they expect to get what they agreed on (customers pay premiums, company pays claims.) <em>Personal auto policies specify several duties and responsibilities for the insured person to perform when there is an accident</em> including:</p> <p><strong><em><span style="text-decoration: underline;">Duties to notify insurance company of any car accident or potential auto claim</span></em></strong>. The insured person is responsible to get as much information as available on any auto loss or accident including but not limited to where, when, what time, name of people involved or injured, details about witnesses, etc.&nbsp; The notification process could be done by calling the company's claims department or the agent of the insured person or, preferably, both. It is always necessary to call your company and report any accidents or losses, regardless of how minor they are. Many people mistakenly think that minor accidents need not to be reported, if it is not their fault. Always remember that fault is not decided by how 'you think or feel' about the accident, and courts will be the final judge in case the other party decides to sue you later. If the claim department of your company has slow response time, use fax to communicate with them and keep records of all of your communications along with fax transmittals. </p> <p><strong><em><span style="text-decoration: underline;">Cooperating with your auto insurance company to investigate the claim</span></em></strong>. Your policy contains language that makes it mandatory on your behalf to communicate with your car insurance company to investigate the claim or lawsuits. You are not doing them a favor if you respond to their inquires in timely manner. Cooperating with your car insurance company includes activities such as:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Providing any legal documents / papers in timely manner for inspection by your insurance company. This includes titles, maintenance records, bill of sale, medical bills, etc.</li> <li>Allow the insurance company to submit you as often as necessary to physical or medical examination by physician appointed by the insurance company.</li> <li>Giving statements under oath.</li> <li>Giving authorization to release medical information from third parties (hospitals and doctors), as well as mechanical information about the auto involved from repair shops.</li> <li>Providing details of any losses you claim, in writing.</li> <li>Provide a police report for any hit and run claims, especially if a claim is to be made under the 'Uninsured Motorists' section of the policy.</li> </ul> <p><strong><em><span style="text-decoration: underline;">Filing car insurance claim for damaged auto:</span></em></strong>&nbsp;&nbsp; If the insured person is seeking to <strong>file claim for their damaged auto</strong> then they need to first take all measures to protect the damaged vehicle and equipment from further losses. A damaged vehicle needs to be towed to a safe place, and be secured to prevent further damage, after any loss. Normally the insurance company will pay reasonable fees for doing that.</p> <p>If the vehicle is stolen a police report needs to be filed immediately. Same thing applies if and when the vehicle is found or recovered.</p> <p>The insured person must allow company representative, adjusters and appraisers to inspect the vehicle before any repair. An unauthorized and undocumented repair may lead denying auto insurance claims.</p> <p><strong><em><span style="text-decoration: underline;">Insured people cannot admit fault for car accidents</span></em></strong>. Your auto policy contains language that does not allow you to admit fault for any accident or loss. Normally insurance companies themselves will decide who is responsible and who is not for any accident. Deciding legal liability for auto crashes and auto losses is the responsibility of insurance companies (the people who will end up paying).</p>urn:uuid:acc48efe-72d5-4dba-bdc5-bc10a4c9a4c9by E Sneneh, Chicago Auto Insurance Producer Chicago SR22 Car Insurance Specialist Like all other insurance policies, auto insurance policies contain certain exclusions that apply to coverages. It should be empathized that these exclusions are ge...Thu, 21 Jul 2011 03:25:49 -0500<p>by E Sneneh, <br /> <span style="text-decoration: underline;"><em><strong>Chicago Auto Insurance</strong></em></span> Producer <br /> <span style="text-decoration: underline;"><em><strong>Chicago SR22 Car Insurance</strong></em></span> Specialist<br /> <br /> </p> <p>Like all other insurance policies, <strong>auto insurance policies</strong> contain certain exclusions that apply to coverages. It should be empathized that these exclusions are general, and they do not have to be true for all personal policies. Your personal auto insurance policy may contain more or less exclusions than the ones listed below:</p> <p>Business Use: Your <strong><span style="text-decoration: underline;">personal auto policy</span></strong> will not provide any coverage while the vehicle is used for business purposes, delivery, or any other commercial or business use, such as transporting persons for fees (other than carpooling). <strong>Denying coverage for business use</strong> is common among &nbsp;self employed insureds who use their private passenger cars, vans or SUVs for delivery or transporting goods for commercial and business use, or any business use like selling, repairing, servicing, storing, parking any vehicles.</p> <p>A solution for that problem is to either acquire the right <span style="text-decoration: underline;"><strong>business auto insurance</strong></span> policy, or to endorse your personal policy for business use. This may require different underwriting and, usually, higher premiums.</p> <p><strong>Wear &amp; Tear Are Not Covered Under Auto Policies</strong>: Unless resulted from an accident or theft, all mechanical or &nbsp;electrical breakdown and failure, engine and other tire breakdown or failure, other freezing issues and wear and tear, are all not covered by your <strong><span style="text-decoration: underline;">personal auto policy</span></strong>. </p> <p><strong>Additional Equipment Including Sounds Reproduction Equipment</strong>, &nbsp;TVs, Tapes, &amp; CDs: Sound systems that are added to your policy, your tapes and CDs are normally not covered by your personal auto policy. All and any additional equipment may be added by endorsement to your car insurance policy. Additional premiums will be due in that case.</p> <p><strong>No Coverage for Personal Property</strong>: Any and all personal property in the vehicle such as laptops, scanners, Ham Radios, files, watches, cash, guns, etc. are not covered under your <strong><span style="text-decoration: underline;">personal auto policy</span></strong>. <strong>Homeowners insurance policies</strong> provide coverage for personal property anywhere in the world.</p> <p><strong>Unauthorized Use of Vehicles and Business Vehicles</strong>. &nbsp;Any loss for any non owned auto will not be covered by your auto policy if there was no reasonable belief that you were entitled to use that vehicle at the time of the accident. Also, your personal auto policy will not provide any coverage to any vehicles that is company owned, or is designed for commercial use (tow truck, for example). &nbsp;For example, if you own and insure a vehicle personally while your spouse has company owned vehicle, you may not be covered under neither your policy nor your spouse' policy while driving that company car!</p> <p><strong>War, Civil War, Nuclear War, Insurrection, Discharge of Any Nuclear Weapons </strong>(even if by accident.) These are remote scenarios but they are excluded from the personal auto policy. But any auto damages resulting from accidental discharge of nuclear weapons or radioactive materials will not be covered under personal auto policies.</p> <p>The above exclusions also apply to auto policies issued to meet the Financial Responsibility Laws, or SR22. <strong><span style="text-decoration: underline;">SR22 insurance policies</span></strong> are not much different than normal personal auto policies, except that SR22 insurance needs to be filed with the state.</p> <p>There is no <strong><span style="text-decoration: underline;">personal auto policy</span></strong> that covers 'everything'. Every policy has a set of exclusions that need to be evaluated by the insured people. It should be remembered that all auto policies may be endorsed to include some or all of these coverage, for an additional premiums.</p>urn:uuid:837d7821-e72d-45a1-875e-1e44ec8c50ebby Ed Sneneineh, Chicago Auto Insurance Agent There are a number of major factors for determining the rates of private passenger automobile insurance premiums. These factors apply to both private passenger auto policies and SR22 insurance policies. A...Tue, 19 Jul 2011 23:45:05 -0500<p>by Ed Sneneineh, <strong><em>Chicago</em></strong><strong><em> Auto Insurance Agent</em></strong></p> <p>There are a number of major factors for determining the rates of private passenger <strong>automobile insurance premiums</strong>. These factors apply to both private passenger auto policies and <strong>SR22 insurance policies.</strong></p> <p><strong><span style="text-decoration: underline;">Auto Insurance rates and Credit Score</span></strong></p> <p>Most standard companies run credit check on applicants to determine their insurance score. People with <strong>better credit enjoy lower auto insurance rates</strong>.</p> <p><strong><span style="text-decoration: underline;">Territory &amp; Auto Insurance Rates</span></strong></p> <p>Each state is divided into rating territory:&nbsp; Large city, a suburban, or a rural area. Largely the territory where the auto is principally used and garaged determine the <strong>base auto insurance premiums</strong>.</p> <p><strong><span style="text-decoration: underline;">Insurance Rates and Age, Sex, and Marital Status</span></strong></p> <p>The vast majority of states allow the use of age and sex as factors in determining premiums. Age is an important rating factors because younger drivers cause disproportionate rations of auto crashes. Young male operators who own or are the principal drivers of cars usually pay the highest premium, since this group of operators cause more accidents, and the accidents they cause are the most destructive. Married operators enjoy <strong>lower car insurance premiums</strong>. This especially applies for younger drivers.</p> <strong><span style="text-decoration: underline;">Use of Vehicle &amp; Insurance Rates</span></strong> <p>For insurance purposes vehicles can be classified according to the use for which the vehicles are driven.</p> <p><strong>Insurance Rates for Pleasure Use Autos</strong>. Vehicles that are not used to commute to work or school on daily basis, or those that are driven less than certain miles per day (ie 3 miles one way) may be classified as pleasure vehicle. Insurance premiums for this class is the lowest.</p> <p><strong>Insurance Rates for Drive to Work/ School Autos</strong>, is perhaps the most common use of private autos class. Example of work/ school use includes using the vehicles to commute to and from your place of work or school. Some companies may even charge higher premiums if the daily use is over certain miles one way (ie 20 miles).</p> <p><strong>Insurance Premiums for Business Use Autos</strong>. If the vehicles is used for business pursuit (outside sales, delivery, etc.) the class is different and clients may have to pay more insurance premiums for business use autos.</p> <p><strong>Insurance Rates for Farm Use Automobiles</strong> refer to autos that are used for farming purposes. These vehicles also has low cost for insurance purposes.</p> <p><strong><span style="text-decoration: underline;">Operator's High Education Lowers Insurance Rates</span></strong></p> <p><strong>Auto insurance companies</strong> found some correlation between applicant's education and rates of auto crashes and car insurance claims. Applicants with higher education enjoy higher percentage of discounts.</p> <p><strong><span style="text-decoration: underline;">Good Student Discount</span></strong></p> <p>This discounts is offered by limited number of insurance companies for certain drivers who are classified as good students. The qualification for this discount includes age requirements and GPA requirements. Some companies may state that student with GPA of 3.00 or better, over age 16, and who are full time students may qualify for this discount. A report card is needed by insurance company to validate the discount.</p> <strong><span style="text-decoration: underline;">Number and Types of Insured Vehicles</span></strong> <p>Having more than one vehicles on the policy may qualify the insured person for 'multi car discount.' Individuals seeking full coverage may be charged according to the value of their vehicle, or according to the performance of the vehicle.</p> <p><strong><span style="text-decoration: underline;">Driving Records of Insured People</span></strong></p> <p>Safer drivers enjoy better rates than operators that have issues on their driving record. Most insurance companies will check the MVRs of all members of the households before a policy is issued.</p> <p><strong><span style="text-decoration: underline;">Comprehensive and Collision Deductible </span></strong></p> <p>For insurance policies that include comprehensive and collision coverage higher deductible means lower policy rates.</p>urn:uuid:bca220fe-63d8-40ad-ae53-0329c2311556<img src='images/%7Ewww.insurancenavy.com/sr22%20708.jpg' align='left' />by Ed Sneneh Specialist in Auto SR22 Insurance Chicago Illinois An Independent Insurance Agent is a licensed insurance professional or entity who represents a number of insurance carriers and Managing General Agents (MGA) for the purpose of marketin...Mon, 18 Jul 2011 22:37:42 -0500<p>by Ed Sneneh<br /> <em>Specialist in <span style="text-decoration: underline;"><strong>Auto SR22 Insurance Chicago Illinois</strong></span></em><br /> <br /> An Independent Insurance Agent is a licensed insurance professional or entity who represents a number of insurance carriers and Managing General Agents (MGA) for the purpose of marketing their insurance policies to others. The Independent Insurance Agent represents the customer, not the insurance company or the MGA. Independent Insurance Agents make their earnings from commission earned from insurers and MGAs as well as fees collected from their clients. Depending on the amount of business and their size, Independent Agents may represent several insurers and MGAs, but may focus of few of them.<br /> <br /> </p> <div style="text-align: left;">An independent agent is not governed by the procedures or policies of any insurance company, something that frees them from strict underwriting guidelines of <a href="http://www.insurancenavy.com/framed.aspx?ref=100" target="_blank"><img alt="" src="images/%7Ewww.insurancenavy.com/sr22%20708.jpg" style="float: right;" /></a>certain insurers. The ability to provide prices and policy offerings from multiple carriers give the independent agent an enormous power to compete against other agents, especially the captive agents (non independent.) &nbsp;However, becoming a professional independent agent requires extensive experience and training, more financial resources to run and manage the business, and will require total reliance on commission only as a sources of income.</div> <br /> A Captive Insurance Agent, on the other hand, is one who works either strictly or primarily for one insurance company. The agent represents the company, not the customer. The agent relies on a combination of salary and commission for earnings. <p>A captive insurance agent is government by the underwriting guidelines and rules of the company employing them. Their ability to compete with other agents relies on the competitiveness of their employing company, which can be limited in certain instances. Captive agents get lots of marketing and management support from their employing carriers. The ability to start a career in the insurance business is easier as a captive agent because less financial resources and product knowledge/ experience are needed. </p> <p><strong><br /> Main Challenges Facing Independent and Captive Insurance Agents</strong></p> <p>How to get appointment with insurance companies to sell property and casualty insurance is probably the main challenge facing independent agents. Not many insurers are willing to appoint property and casualty agents, especially the new ones, or the agents that lack the experience. Securing Errors and Omission insurance for new property and casualty agent is another challenge. Capital and managerial requirements may be beyond the capabilities of new agents.<a href="http://www.insurancenavy.com/framed.aspx?ref=100"><img alt="" src="images/%7Ewww.insurancenavy.com/tow%20garage.jpg" style="float: right;" /></a></p> <p>For captive agents, the challenge is to maintain focus on meeting the requirements for their company as far as working within the specific niche of that company, learning the products of that company and trying to locate certain customers that meet the specific requirements of that company. A captive agent who works for one company may find himself/ herself in serious turmoil of his company decides to take sharp raise in their premiums or change their appetite for certain risk. Some captive agents may find themselves alone, with no book of business, if they do not comply strictly with the guidelines of their company, or if they do not change their business appetite to suit the appetite of their company.&nbsp;</p> <p><strong>Potential Earnings For Insurance Agents</strong></p> <p>According to the <a href="http://www.bls.gov/oco/ocos118.htm#earnings">US Department of Labor</a> " The median annual wages of wage and salary insurance sales agents were $45,430 in May 2008. The middle 50 percent earned between $33,070 and $68,730. The lowest 10 percent had earnings of $26,120 or less, while the highest 10 percent earned more than $113,930." In reality, the earnings depend on the line of business. Generally speaking life insurance sales agents make more money auto insurance agents. Also experienced agents make more than new comers.<br /> <br /> </p> <p>&nbsp;</p>urn:uuid:d03c0d6c-3c54-407b-a560-a650f116e4beThe insurance industry sets its pricing models on probability of occurrence of certain random outcomes, such as car accidents, fire, death, or health crisis. Events that have catastrophic nature, such as war or flood are typically excluded from stand...Wed, 06 Jul 2011 00:33:39 -0500The insurance industry sets its pricing models on probability of occurrence of certain random outcomes, such as car accidents, fire, death, or health crisis. Events that have catastrophic nature, such as war or flood are typically excluded from standard insurance policies and are normally covered through national insurance programs administered by the government.<br /> &nbsp;<br /> <strong>The National Flood Insurance Program (NFIP)</strong>. This is part of FEMA, or the Federal Emergency Management Agency, a Federal organization that provides insurance for flood in flood prone zones. Some private companies, in connection with the NFIP, may offer insurance policies. All flood policies are backed by the NFIP. Any person can get flood insurance from any Illinois licensed producer.<br /> <br /> People may get mixed up between&nbsp; water damage caused by sewer back up or sump pump breakage and water damages&nbsp; resulting from the overflow of water resulting from the elevation of water from nearby water body. The first instance is easily covered with most insurance companies while these companies will not cover the second instance.<br /> <br /> <strong>Unemployment Insurance:&nbsp;</strong> Unemployment insurance are payments made by the federal and state government to people who are not employed because of 'lack of work', not because of being fired for a reason. This type of insurance is not offered by private insurance companies. Local and State governments offer this coverage and mandate it on all wage paying employer as a percentage of payroll. Unemployment insurance is a federal-state program that is financed through federal and state employer payroll taxes.&nbsp; A jobless employee may or may not qualify for unemployment insurance if the reason of unemployment was anything other than "lack of work."<br /> Besides unemployment insurance and flood insurance, local state government may also offer some state sponsored program such as:<br /> <br /> <strong>State Health Insurance</strong>. People who are declined by private insurance companies for health insurance may apply for health insurance coverage through state sponsored programs. In Illinois the plan is called Comprehensive Health Insurance Plan (CHIP).<br /> <br /> <strong>Nationally&nbsp; organized workers compensation</strong>: National Council on Compensation Insurance, or the NCCI, is an American bureau designed to collect information and set prices and rates for workers compensation. The organization is a non for profit with a not-for-profit philosophy and owned by its member insurers. NCCI assigned unwanted applicants for workers compensation to participating members.<br /> <br /> <br /> <strong>State sponsored property&nbsp; insurance.</strong>&nbsp; In Illinois it is called the Illinois FAIR Plan. For certain property that does not qualify for insurance with carriers because of high risk or other reasons, the FAIR plan will come to assist. Illinois FAIR Plan is an association that operates like an insurance company, the FAIR Plan offers highly priced property insurance to individuals and businesses that get rejected by three or more companies. <br /> <br /> <strong>State sponsored auto insurance.</strong> The Illinois Automobile Insurance Plan is a program designed for people who are rejected by other companies or whose premiums with private insurance is higher than those offered the Plan. For those people an Illinois licensed producer may be able to get the coverage through the Plan. <br /> <br /> To qualify for any state or federally sponsored programs the applicant should have been declined coverage from certain number of insurers. Normally the rates for these programs are higher for similar coverage offered by private insurers. Also coverage forms may be less comprehensive than standard coverage offered by companies. Any agents in Illinois may be able to place coverage with the appropriate organization or agency, although there may be little incentive to do so.urn:uuid:6d2afc94-6164-441f-a50c-30e61adda74dby E Sneeneh, Chicago Cheap Car Insurance Expert The term 'cheap auto insurance' is over used in the marketing literature. Many websites look at the term as spam. Many insurance marketers use the terms capitalizing on the fact that internet searcher...Tue, 28 Jun 2011 01:56:13 -0500by E Sneeneh, <a href="http://www.insurancenavy.com">Chicago Cheap Car Insurance</a> Expert<br /> <br /> The term 'cheap auto insurance' is over used in the marketing literature. Many websites look at the term as spam. Many insurance marketers use the terms capitalizing on the fact that internet searcher are using the terms to look for car insurance where they can save money. During bad economic times, everyone wants to save money on everything including auto insurance.<br /> <br /> According to Google AdWords, there are 260 global searches for the term 'quality auto insurance' as opposed to 110,000 global searches for the term 'cheap auto insurance'. Other searches for terms pertaining 'quality' versus 'cheap' suggest that there is a drastic and significant difference in favor of the terms with 'cheap' as opposed to terms associated with 'quality' insurance. Internet marketers understand these facts and try to take them in consideration as they implement their online marketing for auto insurance.<br /> <br /> So what is the definition of 'cheap auto insurance'? The terms 'cheap auto insurance', 'low cost auto insurance', 'cheap car insurance', and 'low cost car insurance', as well as other similar terms refer to certain auto insurance policies written by certain insurers under certain circumstances including:<br /> (1)&nbsp; Auto policies issued without credit check, or with little consideration for credit. Quality insurance companies, generally speaking, do check credit, and applicant's credit play an important consideration in determining the price.<br /> (2) Auto policies issued without MVR check, or with little emphasis on blemishes on MVR such as minor violations and certain suspension. Quality companies give MVR great deal of consideration. Some quality, preferred companies may not allow one or 2 violations for the entire household to qualify for their quality auto insurance.<br /> (3) Auto policies issued with low liability limits, mostly at state minimum or very close to minimum limits required by law. In Illinois, the limits on auto insurance is 20/40/15, or maximum coverage of $20,000 of bodily injury per person, $40,000 of bodily injury per accident and a maximum of $15,000 property damage per accident. Similar amounts of bodily injuries (not property damage) are included in each policy for uninsured motorists, but not underinsured motorists.) Limits higher than those may not be available from many companies that offer 'cheap car insurance'. This fact can cause significant problems for people who purchase car insurance with out considering the rationale of auto insurance, and its role in the overall financial plan to protect one's wealth and property. For people with considerable wealth and assets, getting a low liability auto policy (cheap car insurance) can have very adverse effect on the individual's financial plan. <br /> (4) Policies issued with the intention of providing claim / customer services less in quality than those offered by preferred insurers. Customer and claim services offered by cheap auto insurance companies are normally lower in quality.<br /> <br /> <h1>Critical Social and Economic Role of Cheap Auto Insurance</h1> Cheap auto insurance is not designed for people who need or can afford regular high liability limits, quality insurance. But there will be situations where cheap car insurance may be the solution for certain challenges. The following summarizes certain scenarios where cheap auto insurance play critical roles:<br /> <br /> (1) People with bad records (such as DUIs or multiple violations) may not qualify for preferred, quality auto insurance. Low cost car insurance is the solution.<br /> (2) People who can get quality, preferred auto insurance, but because of their age, ZIP, or credit issue, the cost of high liability limits insurance is very prohibitive. A 20 year old student high limit policy costs $1,300 compared with $250 with low cost auto insurance company- Here the student may not be able to afford $1,300 every six month, and low cost insurance may be the solution.<br /> (3) People with international licenses and people with no licenses may not qualify for preferred, quality car insurance. In cases like that cheap auto insurance is the solution.<br /> <br /> So while cheap car insurance is associated with critical coverage problems especially for people with certain wealth to protect, it remains a key solution for several challenges facing certain classes of drivers in our society.<br /> ----<br /> The author is a member of Insurance Navy, a leader in the Chicago auto insurance market. Insurance Navy offer both Chicago quality auto insurance and Chicago cheap car insurance to the Illinois residents. For more details, please visit our website.urn:uuid:7a046de1-4337-4677-81ab-194d6eede5a8by Ed Sneneh, Chicago Insurance Agent Shopping for tow truck insurance in Chicago may be a challenging and stimulating experience. For one thing, there are many insurance companies that exist at any particular time offering tow truck insurance. Seco...Sat, 25 Jun 2011 00:21:10 -0500by Ed Sneneh, Chicago Insurance Agent<br /> <br /> Shopping for tow truck insurance in Chicago may be a challenging and stimulating experience. For one thing, there are many insurance companies that exist at any particular time offering tow truck insurance. Second, insurance rates for tow truck insurance can change in a very exotic manner, where insurance rates for the towing business across the street may be different than yours.<br /> <br /> Businesses that need towing permits from the state of Illinois include: Roadside service providers, car salvage firms, auto club contractors, rotational towing, auto repair shops, auto body shops, and full-service gas stations. There might be other business such as used car dealers that may be interested in towing permits.<br /> The large size of the Chicago markets makes it appealing for insurance companies to enter the towing insurance business. However, Chicago is not the best place to make money for insurance companies that compete based on price. While offering lower premium is healthy to the consumers, intense competition between the many companies lead to unfavorable outcomes. Lower rates may be good news to customers, but reduction in the quality of services are a key result for price competition. The intense competition makes it easy for insurers to come and, and perhaps easier to depart the market.<br /> <br /> Mandatory coverages for towing businesses in Chicago and Illinois are based on vehicle weight. Regardless it is recommended to have a minimum auto liability of $500,000 combined single limits, similar limits for garage, and minimum of $25,000 of on hook coverage (insurance on cars while on hook and in tow). These three coverages are necessary for a tow truck license to be issued. For certain towing businesses that require ICC filing a minimum of $750,000 combined single limits in auto liability. Form H &amp; Form E are mandatory for towing business that require ICC Filing. Form E filing attests that the trucking auto liability insurance complies with the state's financial responsibility laws.&nbsp; Form H filing guarantees your state that you have sufficient Cargo Liability insurance (in towing it is called on hook).<br /> <br /> Optional coverages include physical damage coverages on own trucks (comprehensive &amp; collision), off hook coverage (covering vehicles in storage with the towing business), commercial general liability to cover premises and non auto liability. If the towing business owns property then property coverage may be needed.<br /> <br /> A mandatory coverage that may be waived under certain circumstances such as single owner operator business is workers compensation. Workers compensation is a mandatory coverage for all wage paying businesses including towing. Rate for tow truck workers compensation is one of the highest in the market. <br /> <br /> Obtaining the best tow truck insurance rates begin by contacting an independent insurance agent. While many companies offer tow truck insurance you may not find them all offering comprehensive and similar coverages. Some companies provide more discounts for prior insurance and good credit for applicants while punishing hardly for MVR blemishes. An example of those companies is Progressive Auto Insurance. Other companies are more lenient on issues like those. Obtaining a couple of quotes and dealing with a knowledgeable agent is the key to getting better price.<br /> ---<br /> Insurance Navy is a leader in the tow truck business. Get your online <a href="http://www.insurancenavy.com">tow truck insurance quotes</a> or call us at&nbsp; <strong>(708) 233-4848</strong>urn:uuid:418e2f0d-4d01-476c-87bb-b1b87334cfc8by Edward Sneneh, Chicago Motorcycle Insurance Agent A motorcycle is a motorized vehicle, meaning that it is subject to the same insurance laws and rules that apply to other motor vehicles, including personal autos, trucks, boats and any other motor...Mon, 13 Jun 2011 22:33:34 -0500by Edward Sneneh, Chicago Motorcycle Insurance Agent<br /> <br /> A motorcycle is a motorized vehicle, meaning that it is subject to the same insurance laws and rules that apply to other motor vehicles, including personal autos, trucks, boats and any other motorized vehicles that can use public roads. For that reason, motorcycle owners must abide by the rules of the state pertaining their insurance. <br /> <br /> <strong>Limits of Liability Insurance For Motorcycles:</strong> In the State of Illinois motorcycle insurance must meet the minimum mandatory limits which is a minimum of $20,000 of bodily injury per person, $40,000 bodily injury per accident, and $15,000 property damage per accident. The law also requires similar amounts for uninsured motorists - bodily injuries be included in any motor vehicle policy, including boats insurance and motorcycle insurance policies.<br /> <br /> The amount of bodily injury and property damage that a motorcycle may cause to other people in connection with an accident is related the power in that motorcycle. For that reason, a motorcycle with 1000 cc costs more to insurance for liability than a 250 cc motorcycle.<br /> <br /> <strong>Liability Cost is Low For Motorcycle Insurance</strong>: While age of the operator has an impact on the premium of motorcycle insurance, the effect is not as drastic like auto insurance rates. Motorcycle crashes cause significantly less damage to other people bodies and property. There may be significant injuries and damage to the motorcyclists or the guests in the back as well as to the motorcycle itself, but all of those are not mandatory coverages under state laws.<br /> <br /> <strong>Optional Coverages:</strong> Medical payments and insurance on guests riding with the cyclists can be significant, because unlike auto accidents massive bodily injury can almost be certain with any motorcycle crash, regardless of its severity. Also physical damage (comprehensive and collision coverages) are also expensive because simple crashes lead to significant damages to the insured bikes. Age and gender can play important factors in shaping the prices of these optional coverages. For that reason, comprehensive and collision insurance on motorcycles with an outstanding loan, lienholder, can be cost challenging for younger motorists.<br /> <br /> <strong>Underwriting Factors: </strong>Like auto insurance, rating a motorcycle insurance is based on ZIP codes, age, gender, marital status, and amounts of liability coverage. Certain companies will check the credit of the applicant. Other companies may request the applicant to have the auto policy with the same company. In that case, liability limits may have to be the same for both auto and motorcycle policies.<br /> <br /> <strong>Credits and Surcharges</strong>: Certain companies may provide discounts for operators with good credit, homeowners discounts, multi account discounts, good student discounts, and certain other discounts. However surcharges and extra premiums may apply to certain operators with bad driving records or young age. Certain high performance motorcycles may also be surcharged extra premiums for liability insurance.<br /> <br /> <strong>Shopping for Motorcycle Insurance:</strong> Many companies offer motorcycle insurance, and each company has its own guidelines and rates. A captive insurance agent can be helpful to provide an insurance solution from one company, his or her company. On the other hand, independent insurance agents may provide better and more valuable services because they represent many insurance companies with many insurance plans and options that may suit more clients.<br /> ---<br /> <br /> For immediate <a href="http://www.insuncenavy.com">Chicago Motorcycle Insurance Quote</a> please visit our website or call us at (708) 237-0404urn:uuid:a97e52a9-e2f1-4f74-b8ec-c537717013feInsuring an animal grooming/ care establishment can be somewhat challenging. Not many insurers are interested in providing protection for this somewhat risky class of business. In general, rating and acceptability of coverage for animal grooming and ...Sat, 28 May 2011 03:02:23 -0500Insuring an animal grooming/ care establishment can be somewhat challenging. Not many insurers are interested in providing protection for this somewhat risky class of business. In general, rating and acceptability of coverage for animal grooming and care establishments are based on the size of operations, extent of care offered, and type of animals serviced.<br /> <br /> <strong>Types of Insurance Needed by Animal Grooming and Care Establishments</strong><br /> <br /> Animal grooming and care businesses are similar to other businesses when it comes to their needs for property, workers compensation, business auto and umbrella coverage. However, their needs of commercial general liability and professional liability are unique. <br /> <br /> Animal grooming and care businesses need property coverage to protect their building (if owned), their office equipment and tools, as well as other coverage such as money and security, business income, signs, and more. If the business provides services&nbsp; at remote client locations, special inland marine coverage is needed to cover their grooming and care tools.<br /> <br /> Animal grooming and care services need a legally mandatory coverage of workers compensation. The projected premium is based on the projected annual payroll of the staff. Rates are not based on the number of employees. Workers compensation for animal grooming offers medical payment benefits and disability income benefits, as well as other benefits, for work related injuries of the staff.<br /> <br /> Business auto is coverage for the business vehicles that the grooming establishment is using to transact business. The price is based on amount and type of insurance, garaging ZIP code, as well as age and driving experiences of drivers. <br /> <br /> The umbrella coverage for animal grooming and care will raise liability limits on all liability policies, including auto liability, general liability and workers compensation. Umbrella is good choice for well established larger size firms to better protect their assets and business investments. <br /> <br /> General liability covers the establishment for any bodily injuries and property damage that the negligent acts of the business or its employees cause to the public against certain risks. It includes premises liability (slip and fall), product liability, personal and advertising injuries, and medical payment coverage. As in other businesses, commercial general liability does not provide any professional liability coverages.<br /> <br /> Professional liability is an essential coverage for animal grooming and care services. It covers the establishments against property damage and injuries to animals, for erroneous services rendered. As stated earlier these risks are not covered under the general liability policies. <a href="http://www.insurancenavy.com/">Live Animal Floater</a> is a coverage that is aimed at covering the animals in the custody and care of the business.<br /> <br /> Pricing and acceptability&nbsp; for commercial general liability and professional liability are&nbsp; based on several factors including:<br /> <br /> 1. Nature of business. Whether it is a veterinarian service, grooming service, or any other service, insurance companies offering coverage want to know the exact nature of business. Companies want to know if&nbsp; services are offered&nbsp; for the training of attack dogs, animal obedience training, or similar programs. Also dealing with thoroughbreds, exotic or rare animals, commercial ranching will make a difference in the rate and acceptability.<br /> 2. Size of operations. Generally, larger businesses are sued more often than smaller ones and, therefore, they pay more for insurance. Size of operations is measured by either annual receipts or annual payroll. Some insurers will consider both. Any payments made to subcontracted accounts will be counted as regular payroll unless the subcontractors demonstrate that they have similar insurance.<br /> 3. Professional and business experience of the staff expressed in terms of years of experience, education, professional licensing, prior insurance losses, and related matters.<br /> 4. Limits of coverage. Higher limits means more premium money.<br /> ###<br /> <br /> For more information or to get a free<a href="http://www.insurancenavy.com/business/default.aspx"> insurance quote for Animal Grooming And Care</a>, click on the link or call us at 708 233-4848.urn:uuid:19bc7a4b-b5d6-4aea-89c8-dff49e3bcfe3Janitorial businesses are exposed to certain legal actions and property losses, just like all other businesses. Their property can be destroyed as a result of fire, theft, accidental breakage, water damage, etc. Legal actions can also be brought agai...Tue, 24 May 2011 13:20:29 -0500<p>Janitorial businesses are exposed to certain legal actions and property losses, just like all other businesses. Their property can be destroyed as a result of fire, theft, accidental breakage, water damage, etc. Legal actions can also be brought against janitorial services because of bodily injuries or&nbsp; property damages that the janitorial service business causes to other people. These risks and others&nbsp; can be protected against by insurance policies. Additional important insurance coverages needed by janitorial services include workers compensation, commercial auto, bonds, and umbrella.<br /> <br /> <strong>Property Coverage for Janitorial Services</strong> </p> <p>Property insurance for janitorial services may cover the building they occupy (if they own it or if they have to insure it), business personal property such as office furnishings and equipments. Many home based janitorial services may waive these coverages because they are not large enough. Another form of property coverage is inland marine to insure cleaning equipments, tools, and supplies while working at different service locations.<br /> <br /> <strong>Commercial General Liability for Janitorial Services</strong> </p> Legal actions against the janitorial services may be brought by the its customers or the public for property damages and bodily injuries that the janitorial services' negligent acts cause to them.&nbsp; This may include bodily injury or property damage to clients because of improper cleaning/ maintenance process or procedure. A janitorial commercial general liability will offer protection for the business against such legal actions at &nbsp;the business premises at the remote client sites.<br /> <br /> Pricing and eligibility for commercial general liability is based on the size of the contractor (measured by total annual receipts) and degree of risk. The nature of the janitorial services offered vary from business to another. For that reason, insurance companies will want to know more facts about the business such as information about experience; clients type and amount of business done with them (<em>Aircraft, apartments, constructions make-ready, grocery store and supermarkets, convention halls, hospitals &amp; hotels, offices</em>, commercial and industrial facilties). <p>Type of operations performed may also affect eligibility and pricing.&nbsp; Under the term 'Janitorial Services' some business may be performing a variety of services that have different degrees of risk, therefore, different eligibility and pricing. These operations may or may not include light carpentry; carpet/ upholstery cleaning; construction sites cleanup, accident sites cleanup, floor stripping/ waxing; landscaping and plant/shrub service; sandblasting, restaurant hood cleaning, snow plowing, window cleaning; etc. To get the proper coverage a complete list of activities must be provided to the insurance company before coverage is obtained. A low priced policy that does not offer the proper protection is an improper policy.<strong><br /> <br /> Commercial Auto Insurance for Janitorial Services</strong><br /> <br /> Commercial auto coverage is needed to protect the janitorial business from any auto related accident lawsuits against the business. Cleaning and janitorial equipment and tools should be covered under inland marine coverage, not under auto insurance.<br /> <br /> Pricing and eligibility factors include garaging location of the&nbsp; business vehicles, weight of vehicles, radius of operations, ages and riving history of drivers.<br /> <br /> <strong>Workers Compensations for Janitorial Services</strong><br /> <br /> Work injuries can cause a business aggravation and financial loss. Workers compensation is a legally mandatory coverage to protect employers from legal actions of employees for work related injuries. Pricing for workers compensation is always tentative and is a projection for the final number of the projected next twelve months payroll. At the end of the policy term a final audit of payroll is conducted by the insurance company and a final premium charge is set. Adjustment for any overcharged or undercharged premiums will take place at the end of the policy term.<br /> <br /> <strong>Umbrella Insurance for Janitorial Services</strong><br /> <br /> An umbrella policy provides extra liability coverage above the limits provided by the underlining liability policies. The underlining policies include commercial general liability, business auto liability, and workers compensation. Pricing of umbrella is based on the desired limits (ie 5 million umbrella is more expensive than 2 million), scope and nature of the underlining policies.<br /> <br /> <strong>Bond and Bonding for Janitorial Services</strong><br /> <br /> Some janitorial services may need fidelity bonds to protect themselves from acts of dishonesty of their employees when they work with customers (an employee steals property of a client.) License/ permit bonds may be required from fewer janitorial services that are involved in any remodeling services where local authority permits are required. The pricing for the bonds is based on limits of coverage and size of the business.<br /> <br /> <strong>Insuring Your Janitorial Services</strong><br /> <br /> Insurance for&nbsp; a 'carpet/ upholstery cleaning' janitorial services and 'accident site cleanup' janitorial services is not the same! The first class is a low risk class and is accepted by many standard and non standard companies, mostly at low price. The second class where hazardous chemicals may be used is surely not acceptable by the vast majority, if not all, of standard insurers and may only be accepted with fewer non-admitted carriers. For that reason, janitorial services that perform riskier operations are encouraged to deal with independent insurance agents who represent more than one company. Captive agents who deal strictly with one company may not be able to be as effective as other independent agent for janitorial services.<br /> <br /> ##<br /> <br /> Insurance Navy is a leader in the business insurance. Our agents have been serving the Chicago area for more than 20 years. Our agency represent dozens of insurers. <br /> <br /> To get a free <a href="http://www.insurancenavy.com/business/bop_quote.aspx">insurance quote for your janitorial services</a> click the link or call us a commercial agent at <strong>(708) 233-4848.</strong></p>urn:uuid:18415ed2-1286-4ac0-8281-c1619785ef98Roofing is one of the classes of artisan contractors that has special needs. The risky nature of the business, exposure to high morale and moral risks, and amount of potential damages that can result from improper workmanship make insuring roofing co...Sun, 22 May 2011 10:43:31 -0500<p>Roofing is one of the classes of artisan contractors that has special needs. The risky nature of the business, exposure to high morale and moral risks, and amount of potential damages that can result from improper workmanship make insuring roofing contractors little more complicated that other classes of artisan contractors.<br /> <br /> <strong>Similarities With Other Contractors.</strong> Like all other artisan contractors roofers need certain commercial general liability insurance to cover them for any property damage or bodily injury that their operations may cause to others.&nbsp; It should be noted that damages to the roofs or any other equipment that are meant to be permanently part of the installation, during the installation process is not covered by the contractors commercial general liability. Installation Floater is a coverage that covers the installing artisan contractor against losses to construction materials, tools, machinery, equipment, and other fixtures which will become permanent parts of an installation. Property is covered while in transit, at a storage facility awaiting installation, at the jobsite, or&nbsp; during&nbsp; the actual installation process.<br /> <br /> Depending on the size of the contractors and equipment used, roofers may need building coverage if they own the building where they are located, business personal property and inland marine coverage to cover their installation office and/ or installation equipment and tools. They also need business auto insurance for their autos and trucks, if they own and use ones in business.&nbsp; <br /> <strong><br /> A mandatory coverage for roofers is workers compensation.</strong> This coverage is mandatory by law for &nbsp;all wage paying businesses. Workers compensation will cover all W-2 employees and any 1099 "independent subcontractor" that does not have workers compensation policies. For that reason, all compensation paid to employees and independent contractors will count in the final audit of the workers compensation, unless payees prove they had workers compensation elsewhere. &nbsp;In such a case, the artisan contractor will not be liable for any additional premium to cover those who already have workers compensation coverage.<br /> <br /> Some roofers may choose to get an umbrella policy either because of their extensive exposure or to meet &nbsp;certain legal/ contractual obligations. An umbrella policy will provide extra liability coverage above and beyond what's offered by the underlining policies of commercial general liability, auto liability, and workers compensation. Roofing contractors may also need <a href="http://www.insurancenavy.com/business/general_liability_quote.aspx">roofers license/ permit bonds</a>. Bond requirements vary bas on local authority requirement. Rates for bonds are based on size of the project and amount of bond.<br /> <br /> <strong>Pricing And Eligibility</strong>: Pricing and eligibility of roofing contractors depend on several factors including the following:<br /> <br /> </p> <ul> <li>Size of Operation: This is perhaps the number one criterion for all contractors. Size of contractors is measured by total annual receipt/ payroll of the contractor operation. Larger size contractors pay more insurance premium money. Payments made to other subcontractors will be included unless other contractors have similar insurance with certificate of insurance provided. This applies to both commercial general liability and workers compensation where annual cost/ payroll are essential questions that determine pricing and eligibility. If subcontractors are used, insurance companies want to know the length of time certificates of insurance are held (preferably 3 years or more), type of subcontract work performed (ie Waterproofing, Siding, Hot tar, Rain gutters, Carpentry, Insulation, etc.)</li> <li>Amounts of Insurance. Roofers pay more for higher limits of insurance. This is pretty much normal with all insurance coverage.</li> <li>Insurance companies want to know the maximum height of constructions worked on (preferably no more than 3), warranties offered (better warranties means less insurance claims), methods of disposing waste (improper methods mean high risk).</li> <li>Experience of the Contractor. Experience of contractors&nbsp; plays important role in determining the acceptability of the contractors. Larger contractors with bad&nbsp; insurance experience (claims) may face difficulty obtaining insurance at reasonable rates.</li> </ul> <p>###<br /> For more information or if you need a fast quotes please complete the <a href="http://www.insurancenavy.com/business/general_liability_quote.aspx">roofing contractor insurance rate</a> quote form or call our office at (708) 233-4848 and ask to speak with a commercial insurance agent.</p>urn:uuid:09a73acc-a5d4-469e-9da7-d4434904823dby Ed Sneneh, CLU, ChFC There are certain commonalities and differences between garage insurance and garage keeper liability insurance. The main commonality, and perhaps the only one, is that both coverages are needed in the businesses that are asso...Mon, 16 May 2011 03:57:15 -0500by Ed Sneneh, CLU, ChFC<br /> <br /> There are certain commonalities and differences between garage insurance and garage keeper liability insurance. The main commonality, and perhaps the only one, is that both coverages are needed in the businesses that are associated with using vehicles. The differences are several, and to understand the differences we will start with defining both concepts.&nbsp; <p><strong><span style="text-decoration: underline;">Garage Liability</span></strong><strong>.</strong> This is necessary to provide protection for bodily injury and property damage resulting from garage operations.&nbsp; Garage operations refer to activities associated with ownership, maintenance, and use of sites for garaging businesses. Garage Liability includes two major coverages:</p> <p><strong>1. Garage Liability - Covered Auto:</strong> This is probably the most important coverage that a garage businesses need to have. Garages have &nbsp;different auto liability exposure, and for that reason they may have to have different types of coverage. The insurance industry came with a Symbol System for Auto Liability. This is a brief description:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>SYMBOL 21 = Any Auto. This is the most broad symbol where coverage applies to any auto.</li> <li>SYMBOL 22 = All Owned Autos. Coverage under this symbol applies to any and all autos that are owned by the business, including trailers that are pulled by the owned autos.</li> <li>SYMBOL 23 = Owned Private Passenger Autos Only. Coverage associated with this symbols includes all owned private passenger cars.</li> <li>SYMBOL 24 = Owned Autos Other Than Private Passenger Autos Only. Coverage here applies to &nbsp;other than private passenger type vehicles owned by an insured, including trailers towed by an owned autos.</li> <li>SYMBOL 25 = Owned Autos Subject to No Fault. This symbols applies to any auto which is owned by an insured in any no-fault states.</li> <li>SYMBOL 26 = Owned Autos Subject To A Compulsory Uninsured Motorist Law. This applies to any auto that is owned by the insured in states where uninsured motorists is a mandatory coverage.</li> <li>SYMBOL 27 = Specifically Described Autos. Coverage applies to only certain vehicles that are specifically listed on the policy.</li> <li>SYMBOL 28 = Hired Autos Only. Coverage applies to vehicles that the insured leases, hires, rents, or borrows from any one who is not an officer, owner or employee of the business.</li> <li>SYMBOL 29 = Non Owned Autos Only. Coverage applies to vehicles that the insured does not own, lease, hire, rent, or borrow, but that are used in the business. This includes vehicles owned by own partners, staff, or any members of the business while these vehicles are used in the business transactions.</li> <li>SYMBOL 30 = Autos Left for Service/Repair/Storage. This applies to vehicles that are left at auto service businesses for maintenance or repair.</li> <li>SYMBOL 31 = Autos on Consignment. Coverage applies to any and all autos left on the premises of the insured for sale based on consignment basis. This does not apply to dealers.</li> </ul> <p><strong>2. Garage Liability - Other Than Covered Auto:</strong> This includes elements of the Commercial General Liability, other than auto liability. &nbsp;CGL coverages such as premises (ie slip and fall) are normally covered here.</p> <p><strong><span style="text-decoration: underline;">Garagekeepers Liability Insurance.</span></strong> &nbsp;This is physical damage coverage on clients vehicles that are left in the custody of the insured for repair or maintenance. The coverage options are collision, comprehensive (any thing other than collision), specified causes of loss (fire, lightning, or explosion; theft; or mischief or vandalism).</p> Garagekeepers can be included as primary or legal. Garagekeepers Legal Liability (also called Garagekeepers Direct Excess, coverage applies to losses in excess of the vehicle owner's coverage. In other words, the policy will pay after the client's auto policy pays, and only if the insured is legally liable for the damage of the vehicle. Garagekeepers Primary Liability (also referred to as Garagekeepers Direct Primary,) the garage insured would share the loss with the auto owner's insurer, regardless of who is at fault. Garagekeepers Primary Liability offers more protection for garages. <p>&nbsp;</p> <p><strong><span style="text-decoration: underline;">Businesses Needing Garage Liability</span></strong>. The following are examples of businesses that need garage liability:</p> <p>Towing Operations, Car Dealers, Mechanic Shops, Auto Body Shops, Valet Parking, Lube Shops, Car Washes, or any businesses that deal with vehicles.</p>urn:uuid:856aed50-bf73-4daf-a258-1e8907bccbf6 by F Sneineh Chicago Auto Insurance Specialist It may be little confusing to tell the difference between temporary auto insurance, drive away insurance, and auto driveaway insurance.&nbsp; While temporary insurance and drive away insurance are simil...Mon, 09 May 2011 02:25:59 -0500<div class="Section1"> by F Sneineh<br /> Chicago Auto Insurance Specialist <p>It may be little confusing to tell the difference between temporary auto insurance, drive away insurance, and auto driveaway insurance.&nbsp; While temporary insurance and drive away insurance are similar in the way that temporary liability or physical damage or both insurance is offered for a particular vehicle, auto driveaway insurance is bodily injury and property damage coverage offered by businesses in the commerce of transporting customers autos from one point to another.</p> <p><span style="font-size: 18px;"><strong><a href="http://www.insurancenavy.com">Temporary Auto&nbsp; Insurance Binders</a> and Driveaway Insurance Are For Individuals</strong></span></p> <p>&nbsp;Temporary insurance, including 1 or 7 days auto insurance binders, is offered to individuals in situations where a temporary need for insurance is present. For example, if you are buying a car from a dealer but you are not sure whether you want to keep the vehicle or not, or are buying a vehicle as a gift for someone, or if you are debating whether to add a newly acquired vehicle to your present policy or not, then a temporary 7 days insurance binder may be helpful.</p> <p>Warning about temporary insurance binder: Regardless of how good and beneficial temporary insurance is, the coverage suffer from sever problems regarding its ability to provide protection to the customers. While temporary insurance can solve many short term problems, it has a very critical problem that comes from the lack of understanding of its functionality. Most of the times temporary binders cover only physical damage (comprehensive and collision). If the operator gets in an at fault accident, then the temporary physical damage binder will pay to fix the vehicle, but will not provide any liability coverage, hence leaving the operator vulnerable for lawsuits.</p> <p>If you have purchased a temporary insurance, or temporary binder, read the elements of coverage offered, limitations and conditions. These coverage may or may not be appropriate for you. If you already have an existing auto policy, coverage offered for newly acquired vehicles vary. While many companies that stick to the ISO personal auto policies will offer immediate temporary coverage (which means you do not need to purchase additional coverage), many non standard insurers do not offer any automatic coverage for newly acquired vehicles, hence you cannot count on any temporary coverage from your present auto policy.</p> <h1><span style="font-size: 18px;"><a href="http://www.insurancenavy.com">Auto Driveaway Insurance</a> Is For Garage Businesses</span></h1> <p>Individuals and organizations that are in the business of transporting autos from location to location are required to carry liability to protect them in the event they cause bodily injury or property damage while using other people vehicles. While on-hook coverage for towing businesses and cargo coverage for car carriers are suitable coverages, other business that drive vehicles singly, use towbar, or saddle mount, maybe required to obtain further state licensing (in Illinois its called In Transit Plates) and separate coverage or endorsement to their existing coverage to include auto driveaway coverage. </p> <p>Driveaway insurance is not to be confused with <a href="http://www.insurancenavy.com">driveway insurance</a>. Driveway applies to coverage for incidents on driveways. Normally local authorities and municipalities will ask for this coverage to issue or renew business licenses for establishments that are using driveways or any part of them to transact business (used car dealers, peddlers, etc.)&nbsp; Driveways are normally considered part of the business premises, hence, should be covered under the Commercial General Liability.</p> </div>urn:uuid:21add2ce-25ae-4a7b-8d70-ab6711343115Illinois car - sr22&nbsp; insurance quotes leader Insurance Navy joins celebrations of Cinco de Mayo by Fadi Sneineh Chicago Auto Insurance Agent Cicero, Illinois - May 5, 2011. Illinois business car insurance leader, Insurance Navy, announced yeste...Sat, 07 May 2011 03:51:45 -0500<h1>Illinois car - sr22&nbsp; insurance quotes leader Insurance Navy joins celebrations of Cinco de Mayo</h1> by Fadi Sneineh<br /> Chicago Auto Insurance Agent<br /> <br /> Cicero, Illinois - May 5, 2011. <a href="http://www.insurancenavy.com/">Illinois business car insurance</a> leader, Insurance Navy, announced yesterday that it will be one of the main participants in the Cinco de Mayo celebration to be held in the Cicero, Illinois area, between May 6th to May 8th. Several activities to observe the Cinco de Mayo are run in Chicago, an area with heavy presences of residents from Mexican roots. <p>Agency Spokesman, Fadi Sneineh, indicated that the agency will one of the main participants and sponsors of the event. Other participants include Illinois Lottery, McDonald, Comcast, La Raza, and many more. The Festival inauguration will be by President Larry Dominick of Town of Cicero. Insurance Navy will be presenting gifts and raffles.</p> <p>Cinco de Mayo&nbsp; which means "fifth of May" in Spanish is a celebration held on May 5 of every year. It is celebrated nationwide in America and in some Mexican regions, mainly in Puebla. The occasion is observed in the United States as a celebration of Mexican legacy and pride.</p> <p>Insurance Navy is a Latino oriented insurance agency with many auto insurance agencies in Chicago area. The vast majority of the agency's customers and staff are Mexicans, Puerto Rican and other Latino.</p> <p>Insurance Navy's Portfolio. Insurance Navy provides the following services to all customers: </p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Low cost auto insurance&nbsp; <a href="http://www.insurancenavy.com/">Seguros par auto en Chicago, Con Y Sin Licensia</a></li> <li>Insurance for Mexico-&nbsp; <a href="http://www.insurancenavy.com/">Chicago Seguros para M&eacute;xico</a></li> <li>Home Insurance: <a href="http://www.insurancenavy.com/">Seguros para hogar en Chicago</a></li> <li>Business Insurance: <a href="http://www.insurancenavy.com/">Seguros para negocio en Chicago</a></li> </ul> <p><span style="text-decoration: underline;">ABOUT INSURANCE NAVY</span></p> <p>Insurance Navy is a leader in providing <a href="http://www.insurancenavy.com/">car insurance quotes in Chicago</a> Illinois. The agency has 11 locations through the Chicago area, servicing thousands of clients in Illinois and Indiana. </p> <p><span style="text-decoration: underline;">MEDIA CONTACT</span></p> <p>Name: Fadi Sneineh</p> <p>Address: Insurance Navy, 5116 W Cermak, Cicero, IL. 60804</p> <p>Web Address: www.InsuranceNavy.com</p> <p>Phone: (708) 237-0404</p> <p>Email: Info@InsuranceNavy.com</p>urn:uuid:92d1dbf5-b73d-4114-9e7f-0a86002ddf47by Ed Sneineh, CLU, ChFC Occupational Accidents refer to work related accidents that take place in the course of a person's work. Occupational accidents do not cover any work related illnesses.&nbsp;&nbsp; Occupation related accidents account for ov...Wed, 27 Apr 2011 02:26:00 -0500<p>by Ed Sneineh, <em>CLU, ChFC<br /> </em><br /> Occupational Accidents refer to work related accidents that take place in the course of a person's work. Occupational accidents do not cover any work related illnesses.&nbsp;&nbsp;</p> <p>Occupation related accidents account for over &nbsp;90% of occupational disabilities in the USA. In most cases the injured worker is eligible for compensation under state laws. Workers compensation is a coverage that is mandated by law on all wage paying employers that hire people as 'employees' rather than 'independent contractor'.</p> <p><strong>Workers compensation and occupational accidents normally deal with the following issues:</strong></p> <ul style="list-style-type: disc; margin-top: 0in;"> <li>All medical payments for health care&nbsp; that are reasonably required to treat or relieve the injury. </li> <li>Temporary Total Disability (TTD) benefits while the worker is in recovery. </li> <li>Temporary Partial Disability (TPD) benefits while the worker is not fully recovered but is doing some light work. </li> <li>Permanent Partial Disability (PPD) provides for payments to an injured worker who sustains a permanent disability but can perform light work. </li> <li>Permanent Total Disability (PTD) provides for payments to an injured worker who is ruled to be unable to work forever. </li> <li>Survivorship Benefits including death benefits for surviving spouse and family members. </li> <li>Vocational rehabilitation to allow the injured employee get gainful employment through rehabilitation programs to improve employment skills or education or vocational training. </li> </ul> <p><strong>Differences and commonalities between workers compensation and occupational accidents.</strong></p> <p>Workers compensation is a coverage that is mandated by law. Workers compensation policies are issued with certain minimum limits pertaining the matters listed above. The coverage along with provisions, conditions, and exclusions of the policy are closely monitored by certain governmental bodies in each state. Also the government watch very closely the claim paying practices. Workers compensation insurers work within strict legal and competitive environment. Occupational accident on the other hand is not mandatory and its terms and provisions related to the above factors are governed by competitive forces, not legal requirements. </p> <p>Workers compensation cover both work related accidents and work related diseases. Occupational accidents cover only accidents. </p> <p>Pricing for workers compensation coverage is based on class code (risk involved with the occupation), coverage limits and projected annual payroll. However prices of occupational accident is based on class code and coverage limits. Payroll is not a factor in deciding rates for occupational accident policies.<br /> <br /> <strong>Rationale for occupational accident insurance.</strong></p> <p>In situations where companies are not required to have workers compensation and where the class of business is too high and where projected payroll is too high, some companies may find it beneficial to get occupational accident policy instead of workers compensation. A prominent example is a trucking company that hires independent owner operator truckers. Occupational accident for truckers can be challenging in some states because some jurisdictions have ruled those as "employees" that must be covered under a workers compensation policy, not under an occupational accident policy. For that reason, occupational accident policies may not be helpful to cover independent contractors who can be interpreted as 'employees.'</p> <p>Some insurers provide enhancement to their occupational accident policies to the point where they offer an automatic endorsement where if the employer is sued for accidents covered under their occupational accident polices, and it was ruled that workers compensation was mandatory to cover the case, then policy will provide coverage tantamount to workers compensation. <br /> <br /> ###<br /> <br /> Insurance Navy provides insurance quotes for primary trucking, cargo, and trailer interchange with several carriers. We also provide workers compensation and occupational accidents quotes for primary trucking and independent owner operators.</p>urn:uuid:0dd73c2a-ad89-4690-a435-f3d367892883by Ed Sneineh, Chicago Car Insurance Agent People buy insurance to meet certain financial, social and legal needs. Because people's needs are different then it can follow that whatever is appropriate for someone may not be appropriate for another per...Mon, 25 Apr 2011 11:03:26 -0500<strong>by Ed Sneineh,</strong><br /> <strong>Chicago Car Insurance Agent</strong> <p>People buy insurance to meet certain financial, social and legal needs. Because people's needs are different then it can follow that whatever is appropriate for someone may not be appropriate for another persons. Non owner auto insurance is one of the most misunderstood&nbsp; coverage in the insurance industry.</p> Non owner auto insurance provides bodily injury and property damage protection for accidents that results from the negligent acts of the insured while the he/ she is driving a vehicle that is not owned by the insured. The coverage obtained is subject to the same State rules that regulate the auto insurance business. <br /> <p><strong>There are&nbsp; some misconceptions about <a href="http://www.insurancenavy.com/">non owner insurance coverages</a></strong>:&nbsp; The following is a list of key points about non owner insurance:</p> <ul> <li>Non owner insurance provides extra coverage, not primary coverage, on the vehicle that you drive. In other words, the vehicle that you drive must be insured as well.&nbsp; State laws require motor vehicles, not humans, to be insured for liability. Therefore your non owner insurance certificate will not be sufficient proof of liability insurance for a non insured vehicle that you drive.</li> <li>Non owner does not offer any coverage if the driver is using a commercial vehicle, or a personal auto &nbsp;that is used for business purposes, such as delivery vehicle.</li> <li>Non owner auto insurance provides liability coverage only and absolutely no physical damage (comprehensive or collision.) This can be problematic when an insured with non owner policy (a 16 year old operator, for example) is using his/her dad's brand new expensive auto where the young driver is not scheduled on the dad's policy. If the young driver is involved in an auto accident while operating that vehicle, the dad's policy may decline all coverage, and the youthful driver's non owner policy will only assume the liability part of coverage, resulting in a situation where there may be no physical damage coverage to take care of the dad's vehicle.</li> </ul> <p>Non owner auto insurance is not meant to substitute regular auto insurance. If someone is supposed to be listed on a particular policy covering a particular vehicle (residents of the same household, or is furnished that vehicle for regular use) then there could be an issue related to the validity of certain coverage in the event of an accident while operating that vehicle. The way to go about this situation is to schedule all the drivers in the household and all the drivers that use the insured vehicle(s) on regular basis.<br /> <br /> </p> <p><strong>So what are the applications of the non owner insurance? Non owner auto insurance is used for certain reasons including:</strong></p> <p>a. Meeting legal requirements. Sometimes the government may require from a person&nbsp; to have auto insurance coverage to meet certain financial responsibility rules related to maintaining driving privileges. If the person does not have a regular auto policy to file with the state then she or he will have to meet that requirement by purchasing a non owner policy. Meeting&nbsp; state financial responsibility requirement through non owner policy is called 'non owner sr22 insurance filing.'</p> <p>b. Self protection. When a person has doubts about the adequacy or validity of insurance that already exists on vehicles that the person may be driving then a non owner will come to help. Non owner will pay above and beyond what the primary insurance on a particular car pays.<br /> <br /> </p> <p><span style="text-decoration: underline;"><strong>Non owner in business setting</strong></span></p> <p>As indicated earlier personal non owner provides auto coverage similar to the coverages that the Personal Auto Policy offers. Non owner is useless in situations where the vehicle used is a commercial vehicle or if the accident happens during using any vehicle for business use (using your friend's vehicle to deliver pizza for a restaurant.)</p> <p>A similar concept in business insurance exists. The concept is called '<a href="http://www.insurancenavy.com/">hired and non owned auto</a>' which may be obtained as part&nbsp; of the business owner policy or a commercial auto policy. Hired auto will pay for damages that you, the business owner, may cause while operating a rented car or "non-owned" vehicle for business purposes. Non owned auto refers to paying for damages that you or any of your staff cause while driving any vehicle that you do not own for business purposes (ie you send your employee to make a deposit or to buy office supply using their own car.) Every business needs to pay attention for these coverages if they are needed, because they are optional and additional price must be paid to get them.</p>urn:uuid:223425a9-94de-4095-8a80-2feefc31d338Insurance needs for demolition contractors are not that much different from those needs of their counterparts in the construction industry, with some differences. Special attention is given to&nbsp; the safety measures that contractors use to prevent...Sat, 23 Apr 2011 02:13:31 -0500Insurance needs for demolition contractors are not that much different from those needs of their counterparts in the construction industry, with some differences. Special attention is given to&nbsp; the safety measures that contractors use to prevent any potential harms to the public. Demolitions contractors need commercial general liability, business auto, property and tools, workers compensation, as well as umbrella.<br /> <span style="text-decoration: underline;"><br /> Demolition Contractors Commercial Liability</span><br /> <br /> This coverage is needed to provide protection for bodily injuries and property damages that are caused to other people due to the negligent acts of the contractor or its employees. The liability coverage also provides protection for advertising and personal injuries that are caused by the contractor, its officers or the employees of the contractor.<br /> <br /> Amount of coverage varies from $300,000 to $1,000,000 each occurrence with double that amount for the general aggregate. Most contractors choose the higher limits because of the higher protection,&nbsp; little difference in the premiums between the highest limits and lowest limits, and because many establishments that hire demolition contractors do not accept less than $1 million each occurrence.<br /> <br /> Underwriting information needed by insurance companies is different than that needed from other contractors. Here insurance companies focus more on safety measures taken by the contractors during the demolition process. The following is critical information needed by most insurers, and will determine not only rates but also eligibility for insurance:<br /> <br /> <ol> <li>Nature and scope of demolition activities. Also, if the contractors are&nbsp; involved in other activities that can put them in much higher risk.</li> <li>Prior experience including insurance history and claims experience.</li> <li>Nature of projects including methods of demolitions, use of demolition equipment, use of explosives, and maximum height of constructions demolished.</li> <li>Safety measures used to prevent any harms to the public. Particular concern is given to demolishing buildings that contain asbestos and or PCB&rsquo;s. Also, questions related to whether or not the contractors have policies about obtaining written confirmation that all utilities are turned off before demolition is very important.</li> </ol> <br /> Price of general liability insurance is determined by the size of the contractor. This is normally measured by yearly payroll of the contractors and/ or their annual receipts. Request for certain riders and endorsements may also increase the premium.<br /> <br /> <br /> <span style="text-decoration: underline;">Contractors Property, Tools and Equipment</span><br /> <br /> Demolition contractors may also want to insure their own tools, demolition equipment, office furniture and their own building if they have it. The premium is determined by the nature of the property, age of property and the amount of coverage.<br /> <br /> <br /> <span style="text-decoration: underline;">Business Auto</span><br /> <br /> For contractors that own motorized vehicles business auto&nbsp; coverage may be mandatory. Price of insurance is based on garaging ZIP code, age and driving history of drivers, weight and use of business auto, and amount and type of coverage.<br /> <br /> <span style="text-decoration: underline;">Workers Compensation</span><br /> <br /> Coverage for workers compensation is a legal and mandatory requirement for all wage paying employers. The premiums are based on 'projected payroll' for the next twelve months, classification of workers, and amounts of coverage.<br /> <br /> <span style="text-decoration: underline;">Umbrella/ Excess Liability</span><br /> <br /> This coverage may be needed for many contractors, especially the medium to large size contractors. The coverage provides extra liability coverage on certain underlining policies (listed above) above and beyond their limits. Factors affecting prices of umbrella coverage include forms of the coverage and limits of umbrella liability.<br /> <br /> There are many competing companies offering coverages for demolition contractors. Each company may use different criteria to accept or reject an applicant. Most standard and preferred companies have no appetite for this class of business. Therefore dealing with an independent insurance agent may be more helpful than dealing with a captive agent.<br /> ###<br /> <br /> Need contractors quote? Complete an request on line or call us at (708) 233-4848 for immediate response from Insurance Navyurn:uuid:2616395b-612c-4234-badd-2de674446385by Ed Sneneh, Chicago Insurance Agent Landscaping contractors are those that are involved in a variety of decorative activities that intends to modify the visible features of land, or the maintenance of decorative plants, trees, and soil around res...Mon, 18 Apr 2011 02:54:55 -0500by Ed Sneneh, Chicago Insurance Agent<br /> <br /> <br /> Landscaping contractors are those that are involved in a variety of decorative activities that intends to modify the visible features of land, or the maintenance of decorative plants, trees, and soil around residential and commercial areas. Landscaping&nbsp; could include work on the gardens, shapes of natural elements, objects, or abstract elements such as lights.<br /> <br /> Landscaping contracts can be classified in another way, commercial or residential landscapers. They work with lawn and tree care where application of pesticide, herbicide, and fertilizers as well as cutting branches and removing as well as trimming of trees and shrubs are some of their normal activities.<br /> <br /> Contractors who work with the installation and repair of irrigation systems, sodding, working with artificial turf, as well as the restoration of certain habitat are all types of activities that landscaping companies do.<br /> <br /> <br /> <strong>Coverage Needed by Landscaping Contractors</strong><br /> <br /> <ul> <li><strong>Landscapers Commercial General Liability</strong>: Like all subcontractors, landscapers need general liability to cover them at customers locations. A&nbsp; <a href="http://www.insurancenavy.com/">landscaping artisan contractor insurance</a> is needed to cover their negligent acts while performing their work. Coverages range from $300,000 to $1,000,000 each occurrence for product/ completed operations as well as&nbsp; personal and advertising injury, with double the amount for the general aggregate. Of a particular interest is the fact that some insurance companies may have certain exclusions for damages resulting from the applications of pesticide, herbicide, and fertilizers. Other companies may exclude any damages resulting from faulty design of landscaping. The main determinants of the rate for the commercial liability of artisan commercial policy are annual payroll, annual receipts and nature of activities performed.</li> <li><strong>Artisan Contractor Commercial Auto</strong>: All contractors need this coverage for their vehicles that are used in the course of the business. Some smaller contractors wrongly insure their vehicles under Personal Auto Policies (PAP), resulting in a great risk as a PAP does not cover the contractor if the vehicle is used for business purposes. Garaging ZIP , ages and driving records of&nbsp; the drivers play important roles in determining the price of the coverage.</li> <li><strong>Landscapers Workers Compensations</strong>: Workers compensation is the law. For landscapers who hire others and pay wages a workers compensation policy is mandatory. If the landscaper has many employees that do more than one type of activities (clerical, drivers, etc.) classifying these people at the time of obtaining insurance may reduce the premium drastically. Owners and officers may exclude themselves from workers compensation. </li> <li><strong>Contractors Equipment and Inland Marine Coverages</strong>:&nbsp; Landscapers may need to insure the miscellaneous tools and certain equipment they use. Also they may need to get an installation floater coverage (covers contractor's raw materials while in transit or while kept at a customer location). Also, coverage for rental equipment may be needed if there is potential losses from theft on rented tools.</li> <li><strong>Umbrella or Excess Liability</strong>: Some larger size landscapers may need additional liability insurance for better protection or to meet legal obligations.</li> <li><strong>Contractors Property Insurance</strong>: may be needed if the contractor owns a building or certain scheduled&nbsp; tools and equipment such as computers. The rates are based on amounts, description of property and area. Getting insurance for a landscaping contractors does not have to be a challenging task. Paying attention to exclusions of the policy is a must.</li> </ul> <br /> Get online<a href="http://www.insurancenavy.com/business/general_liability_quote.aspx"> insurance quote for your contractor business</a> or call us at 708 233 4848 for quick and fast quote.urn:uuid:c06962e7-7ec0-4727-a453-84af6a66f577by Ed Sneineh Chicago Insurance Agent Getting insurance for counseling centers, therapists and nurses can be a challenging process because of the nature of risk involved and the amount of potential bodily injuries and damages that can occur. Counsel...Fri, 15 Apr 2011 21:49:17 -0500by Ed Sneineh<br /> Chicago Insurance Agent<br /> <br /> Getting insurance for counseling centers, therapists and nurses can be a challenging process because of the nature of risk involved and the amount of potential bodily injuries and damages that can occur. Counselors, therapists (physical, occupational or social work) , and nurses may be involved in a variety of tasks and activities including: Administrative, lab, hospital ward, outpatient clinic, rehab department, emergency room, nursing home, operating room, patient home, classroom, etc.<br /> <br /> Counselors, therapists, and registry nurses may be providing several services that require&nbsp; high level of professionalism and care for customers. For that and other reasons, they need professional liability insurance to cover them in the event where&nbsp; their negligent acts causes damages to others. Activities that would be covered include things like: Family planning, Drug, detoxification, S.T.D., Abortion, Drug Methadone, Alcohol Abuse, Incidental Legal Counseling Family, Adoption Screening, Marital Counseling,&nbsp; Foster Care Screening, Counseling Sexual Offenders, Crisis Intervention, Domestic Abuses, Occupational Therapy and Rehabilitation, Narcotic Counseling, Hotline Counseling, and many other activities.<br /> <br /> <a href="http://www.insurancenavy.com">Professional Liability for Counseling Centers, Therapists and Nurses</a><br /> <br /> The most important criterion that determines the acceptability and rate of this class of business is the size of operations. Annual payroll and receipts are important indications about the size of operations and, therefore, the amount of risk. Larges size operations pay higher premiums.<br /> <br /> Scope of operations is the second most important factor that determines acceptability and rates. Non medical counselor or therapist pay less than emergency room medical staff, for instance. The more risky activities involved the more premium needed for the coverage. For an organization to be involved in multiple activities could make it harder for that organization to&nbsp; acquire the needed coverage.&nbsp; Several questions may be asked in connection with the details of the activities of each of these classes.<br /> <br /> Types and limits of insurance are also important factors in determining eligibility and rates. Rates for limits of $500,000 each occurrence are lower than that $1,0000,000 each occurrence. Also, professional liability is often sold on the basis of 'claims made', meaning that insurance will cover any claims based on when it was discovered and reported, not based on when the professional incident occurred in the past.<br /> <br /> Since sexual molestation is a crime that is not an accident, and is excluded from professional or general liability, additional coverage is needed if sexual molestation is a risk. Coverage may be obtained but at an additional premiums. If sexual molestation coverage is needed the insured must demonstrate that extreme care is exercised when hiring people who work with much mentally or physically challenged patients or children.<br /> <br /> The experience of the business, educational and professional backgrounds and certification of the staff are all key factors, especially for newer businesses. Affiliations with professional organizations reflect higher level of professionalism. Previous claims may play detrimental role in acquiring new insurance.<br /> <br /> Besides the professional liability that is needed by all counselors, therapists, and registry nurses, these people may need the following traditional coverages:<br /> <br /> 1. Commercial General Liability for their business and premises.<br /> 2. Business Auto Insurance to cover their business autos. Extreme care is needed here if transportation of patient is involved. Transporting patients require special insurance and is not the same as regular personal insurance.<br /> 3. Workers Compensation is necessary to cover staff, on premises and off premises.<br /> 4. Property. This include building coverage if the building is owned by the insured, and business personal property.<br /> 5. Umbrella / Excess liability insurance is recommended especially for larger operations.<br /> <br /> An experienced independent insurance agents may be helpful in getting the best comprehensive quotes for a business. Larger size businesses require extreme care to the amount and type of coverages. <br /> ----<br /> Insurance Navy is leader in providing Chicago professional liability insurance, with many years of experience. Call us for a free quote today at 708 233 4848.urn:uuid:58e460b6-c99e-49cd-b9b3-d48036ac876dOne Day Special Event Insurance Ed Sneineh, Chicago Insurance Agent One Day or Special Event insurance is an important kind of &nbsp;liability protection for certain people or for-profit and non for profit organizations which sponsor certain activit...Wed, 13 Apr 2011 03:07:59 -0500<h1>One Day Special Event Insurance</h1> Ed Sneineh, Chicago Insurance Agent<br /> <br /> One Day or Special Event insurance is an important kind of &nbsp;liability protection for certain people or for-profit and non for profit organizations which sponsor certain activities that are not normally covered under the commercial general liability for any reasons. &nbsp;These reasons could range from the fact that certain event organizers may not be holding any liability insurance at the moment and they need some sort of insurance for a particular activity, or their present liability insurance does not provide enough protection at the remote location where the activities will take place. People can get this special even insurance as a temporary protection.<br /> <br /> Parties, weddings, concerts, sports tournaments, shows, exhibitions and markets whether done as organizations, individuals, clubs, religious entities, and business organizations that sponsor or host activities that are not included in their General Liability Policy, are normally required to provide this&nbsp; insurance when and if requested. Normally, owners of the facility where the event will take place, auditorium, park, city or state authorities will ask from the insured to have their name listed as additional insured on all proof of insurance.<br /> <p><strong>Coverages Under Special Event Insurance</strong>. &nbsp;Coverages provided under one day event, or special event, include bodily injuries and property damages for which the insureds become responsible for on during the event time. Special event programs may provide &nbsp;commercial general liability coverage, dram shop (liquor liability), and &nbsp;other legal defense for claims of negligence made against the insured, or the persons organizing the Event. Nowadays' &nbsp;litigious culture, event planners face possible liability suits from people attending the events. Coverage that comes normally included:</p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Each Occurrence/ Premises Liability</li> <li>Product/ Completed Operations</li> <li>Personal and Advertising Injury</li> <li>Rented to Rented Premises, also called Fire Legal</li> <li>Medical Payments (optional)</li> <li>General Aggregate </li> </ul> <p dir="RTL" style="margin-right: 0.25in; direction: rtl; unicode-bidi: embed; text-align: left;">Limits on these coverages can vary, but they are normally set at $1,000,000 each occurrence.<br /> <br /> Liquor liability, garage keeper liability, or any other liability that is not specifically disclosed in the&nbsp; policy will not be covered. To be covered, liquor liability, for example, must be added to the coverage by an endorsement.<br /> .</p> <p><strong>Certificate Holders and Additional Insured</strong>: Normally owners/ managers of the premises where the event will take place (for example: banquet hall owners, park districts, villages and municipalities, show organizers, etc.) will require that the event organizers provide proof of insurance for the time of the event. People requesting the proof of insurance want to make sure that in the event of any problem the requesters will have the Special Event policies come to the pictures and defend them as well.</p> <p><strong><br /> Factors Affecting Rates and Prices</strong></p> <p>The main determinants of price of insurance are:</p> <p>1. Nature of Activities. Insuring an event with athletic or sport activities will cost more than another event for a wedding, for example.</p> <p>2. Length of The Event. A five day event is more expensive than a one day event.</p> <p>3. Number of Attendants. The more people attending the event the more premiums people have to pay for the insurance.</p> <p>4. Consumption of Alcohol. If attendants consume alcohol during the even then additional coverage will be necessary. That coverage is called 'Dram Shop' or liquor liability insurance.<br /> <br /> <br /> </p> <p>###</p> <p>Need a fast free one day, special event quote? Feel free to call us at 708 233-4848</p>urn:uuid:d5a1f70c-0144-4721-b76c-8ecf2a2bc5b5by Ed Sneineh Chicago Insurance Agent An Artisan Contractor is one who performs work on customer's premises and during that process some or all of customer's property is deemed under the care, custody, and control of the contractor. Coverage Needed ...Sun, 10 Apr 2011 10:03:59 -0500<p><em>by Ed Sneineh<br /> Chicago Insurance Agent</em><br /> <br /> An Artisan Contractor is one who performs work on customer's premises and during that process some or all of customer's property is deemed under the care, custody, and control of the contractor.</p> <p><strong>Coverage Needed by Artisan Contractor</strong></p> <ol> <li>Commercial General Liability, including Business Premises &amp; Operations, Products and Completed Works, Fire Legal, Personal and Advertising Injury, Contractual Liability and Medical Payment. Additional liability may include coverage such as Hired and Non Owned Auto. Certain policies provide exclusions to the damages occurring to customer's property during installation even if they seem to be " under the care, custody, and control of the contractor". In this case the "Installation Floater Coverage" listed below becomes very important.</li> <li>Contractors Equipment is a coverage that provide protection for valuable equipment of the contractor, normally items over $1,000 per item. Tools and Equipment Floater provides coverage for unscheduled items under $1,000 of value. Also, materials, supplies, machinery, and fixtures to be installed at installation sites are normally covered under the Installation Floater Coverage.</li> <li>Property Coverage. Policies may include coverages on Buildings and Business Personal Property. Loss of income riders may also be purchased if it is not included automatically in coverage. Additional coverage may be requested such as crime, signs, employees dishonesty, etc.</li> <li>Business Auto. The coverage provide primary auto liability on all scheduled autos of the artisan contractor. Policies may be issued with or without Hired and Non Owned Auto. Also, the coverage may be issued with or without physical damage (comprehensive and collision coverage).</li> <li>Workers Compensation is a mandatory coverage required from each wage paying employer in most states.</li> <li>Umbrella Coverage. An Umbrella policy may be used to boost liability coverages provided under the Commercial General Liability, Auto Liability and Workers Compensation.</li> </ol> <p><strong>Main Factors Affecting <a href="http://www.insurancenavy.com">Rates And Eligibility for Artisan Contractors Insurance</a>:</strong></p> <p>1. Limits and Amounts of Coverages Listed Above. It is logical to say that more coverage means higher premiums.</p> <p>2. &nbsp;Size of Operations. The size of the artisan contractors is determined by either the amount of annual payroll or numbers of partners, part time, and full time employees. Other contractors are evaluated based on their annual receipts. Some insurance companies take all of these factors in account. Any monies paid to work subcontracted to other subcontractors will count as payroll unless the hired subcontractor provides documents supporting that the subcontractor had insurance for the work provided.</p> <p>3. Classifications of Contractor. Contractors who are involved in higher risk activities (roofing, excavations, etc.) have higher risk tag than those who are involved in less risky operations such as painters and dry wall installers.&nbsp; Misclassifying your business will surely lead to either overpayment or underpayment of your premiums, which, in either case, is not good for the clients. Overpayment is spending money for no reason, and underpayment could be used as a ground for misrepresentation (canceling your policy for not disclosing all operations).</p> <p>4. Scope of Operations. Certain contractors with comparable size and classifications may be charged different premiums based on the scope of their operations. &nbsp;Being involved in more of the following activities may cause higher premiums or simply declination of coverage in some instances:</p> <p><em>Airports, Earthquake Retrofitting or Reinforcing Marinas, Residential Home (New Construction), Ammonia Refrigeration Systems, Electrical Fence, Maritime, Roofing, Asbestos Removal&nbsp;&nbsp; Excavating&nbsp;&nbsp; Mining&nbsp;&nbsp; Sand/Gravel&nbsp; Automatic or Power Doors, Farm Equipment Repair, Mold and Spore Treatment or &nbsp;Remediation, Sand Blasting, Blasting, Fire and Water Restoration, Oil and Gas Fields, Soil Testing, Boilers, Framing (Residential), Over the Hole, Soil Stabilzation, Bridge Work, Foundations, Petrochemical Plants, Surveying, Conveyers, Grain Elevators, Pile Driving, Synethetic Stucco, Cranes, Hazardous Waste, Prisons, Trailer Hitches, Demolition, Home Inspections, Railroads, Underpinning, Design, LPG, Refineries, Waterproofing, and Drilling.</em></p> <p>5. For medium to large size contractors certain Liability Controls may enter in the determination and eligibility of rates and coverages. These control include the existence of written contracts with customers and subcontractors as well as the language of the written contract, involvement in architectural or engineering design and if so, existence of errors and omission coverage for such operations, if the contractor is acting as a consultant or manager for other projects etc.<br /> <br /> ###<br /> Need a contractor quotes? Call Insurance Navy for a fast free quote at 708 233-4848, or apply for a quote online: <a href="http://www.insurancenavy.com/business/general_liability_quote.aspx">Contractor Insurance Quotes in Chicago</a>. Over 20 years experience!</p>urn:uuid:595a1d10-c68c-48cd-ab4f-b28e18c1b704A commercial Umbrella policy is a contract that provides coverages for liability losses above and beyond limits paid by certain underlining liability policies provided by the business.&nbsp; The policy goes in effect when the other underlining liabil...Sat, 09 Apr 2011 02:43:27 -0500<p>A commercial Umbrella policy is a contract that provides coverages for liability losses above and beyond limits paid by certain underlining liability policies provided by the business.&nbsp; The policy goes in effect when the other underlining liability policies stop. The named insured in the Umbrella policy is accountable for keeping in force certain scheduled underlining policies. &nbsp;Any changes in the status, terms, and conditions of the underlining policies must be reported to the insurer providing the Umbrella insurance.</p> <p><strong>Limits of Umbrella Coverage</strong>: The Umbrella policy comes with limits of $1, $2, $3, $4, and $5 millions.&nbsp; Many companies may not offer more than $5 millions. However, some companies may offer higher underlining limit amounts.</p> <p><strong>Difference Between Excess Liability and Umbrella:</strong> Although used interchangeably insurance experts believe that there is a big difference between Excess liability policies and Umbrella policies. In most cases policies &nbsp;labeled <a href="http://www.insurancenavy.com/">'Excess Liability Insurance</a>' offer extension of coverages only while Umbrella policies will fill some gaps by providing coverages for losses that are not covered by the underlining policies. </p> <p><strong>SIR: <a href="http://www.insurancenavy.com/">Self Insured Retention</a></strong>, is the amount of which the insured has to pay before the Umbrella policy kicks in for certain losses that are not covered under any underlining policy. For example, if your SIR is $10,000 then your Umbrella policy will pay for certain liability losses that are not covered under the underlining policies, above and beyond the $10,000. SIR can be waived by endorsement but at additional premiums.</p> <p><a href="http://www.insurancenavy.com/blog.aspx">Umbrella Underlining Policies</a></p> <ul style="margin-top: 0in; list-style-type: disc;"> <li>Commercial General Liability. The types, forms, and limits of coverage are important factors that distinguish one policy from another.</li> <li>Commercial Auto Liability Types and Limits. Besides the limits of coverage, special attention is to be paid to characteristics of drivers, their ages and driving record history. Also, type of trucks and radius of operations, FHWA filing requirements can become very important in determining the rates.</li> <li>Commercially Owned Watercraft. The forms and limits of the watercraft policy along with people involved in operating the watercraft.</li> <li>Workers Compensation and Employers Liability. Limits of liability and state&nbsp; exposure are important factors that will affect the rate of Umbrella policy.</li> <li>Professional Liability Forms, Types, and Limits</li> <li>Liquor Liability Limits</li> </ul> <span style="font-size: 16px;"><strong>Factors Affecting Rates and Issuing Umbrella Insurance</strong></span> <ul style="margin-top: 0in; list-style-type: disc;"> </ul> <p><strong>Description of Operations:</strong>&nbsp; <a href="http://www.insurancenavy.com/blog.aspx">Umbrella insurance rates</a> vary based on several factors, first of which is description of operations. No two Umbrella policies have the same price, because different businesses have different risk exposures. Other factors lead to increased risk, hence premiums, of the Umbrella insurance. These factors include exposures to habitation, exposure to swimming pools, athletic and sport facilities, as well as exposure to consumption of liquor and live entertainment.</p> <p>If there is habitation exposure, a complete description of that exposure becomes important such as the number of units;&nbsp; construction type, age and number of stories of the building; nature and rates of occupancy, etc.</p> <p>In situations where liquor is consumed, insurance companies normally worry about the size of operation, live entertainment offered, safety and security provided. Offering and sponsoring sport activities such as swimming or gymnastics may mandate that the business furnishes to the insurance companies facts about the nature of facilities/ activities, safety measures, and other risk management measures.</p> <p>Finding an Umbrella policy can be an easy task. Contacting an independent insurance agent is a good start. Independent insurance agents have access to many insurers and can provide more quality quotes at competitive rates.</p>urn:uuid:7f18ae51-e3ca-4020-973e-9177d1c3e223by Ed Sneineh Condo owners and homeowners share one thing in common: The common areas of their property such as building structures, common utilities, common service or entertainment area, common hallways and driveways, etc. These commonly owned pro...Tue, 05 Apr 2011 02:09:31 -0500by Ed Sneineh<br /> <br /> Condo owners and homeowners share one thing in common: The common areas of their property such as building structures, common utilities, common service or entertainment area, common hallways and driveways, etc. These commonly owned properties are exposed to property and casualty losses for which insurance is very essential for protection. For that and other reasons, condo and homeowners associations are established to provide services in connection with these common areas. Among these services are&nbsp; risk management and insurance services.<br /> <br /> While each unit owner is responsible for the property and liability losses that may occur inside their units, condominium and homeowners associations are responsible for servicing the common areas and for purchasing insurance policies for the benefits of all members. For that reason, condo associations get one master policy and list each unit owner as a loss payee and additional insured on the master policy, each with the same proportion of their ownership compared to the total. Unit owner pays monthly assessment fees which cover administrative and operative expenses of the association including premium payments for the master insurance policy. Depending on the size of the association, a professional management company may be hired to run the association's activities or some elected members of the association board of directors may handle these daily tasks.<br /> <strong><br /> Factors Affecting Premium Rates For Condo Associations</strong><br /> <br /> The prominent factor that affect the price of property and liability insurance rates is the description of the buildings associated with the association in terms of number of units and the square footage of the associated buildings. Square footage of the buildings will determine the replacement cost of these buildings. Also, newer buildings with higher security systems (sprinkler systems, central station fire alarms etc.) mean lower chances of losses. Fire resistive construction materials and history of&nbsp; plumbing/ heating/ electrical updates are critically important in determining the insurance rates for the association master policy.<br /> <br /> Scope of services maintained and managed by the association: Associations that own, manage or maintain businesses such as convenience store, sporting and entertainment facilities and activities such as swimming pools, gymnastic facilities, amusement places and parks, etc. are more prone to lawsuit than smaller condo associations that do not have similar scope. If these services/ facilities are offered insurers will want to know more details about the security offered to protect members and visitors from injuries and harm. In larger associations, more risky activities may be offered, such as boat rentals, ice skating, baseball parks, basketball courts, and diving. These activities and facilities can reach higher risk levels when associations get involved in providing airport facilities, horse trail, bike trail, and stables that may be managed or&nbsp; maintained by the association, and for which the association will be responsible.<br /> <br /> <strong>Other Coverages That May Be Needed By Condo Associations</strong><br /> <br /> Workers compensation is a coverage that is needed if the association hires people to run the affairs of the association. Depending on the size and scope of the activities assumed&nbsp; by the association workers comp coverage can be very simple clerical exposure to much higher risks such as maintenance people or drivers.<br /> <br /> Auto liability is also needed in the event that the association owns their own commercial autos such as service/ maintenance vehicles, snow plowing trucks, etc.<br /> <br /> Umbrella coverage is important for all association, especially for medium to larger size condo association where losses resulted from lawsuits against condo association can be sizable. Umbrella will simultaneously raise the liability limits on all underlining general liability, auto liability, workers compensation to a much higher limits (ie $2 or even $5 million, each occurrence).urn:uuid:0ff4f062-415f-488a-8de9-046167290d2aby Ed Sneineh, CLU, ChFC A club is an association of a number of people who group themselves and regularly meet for a mutual purpose of the members. A club has to meet certain legal organizational requirements for it to be legitimate.&nbsp; The club...Sun, 03 Apr 2011 02:12:31 -0500by Ed Sneineh, <em>CLU, ChFC</em><br /> <br /> A club is an association of a number of people who group themselves and regularly meet for a mutual purpose of the members. A club has to meet certain legal organizational requirements for it to be legitimate.&nbsp; The club's purpose should be anything except the sole purpose of getting insurance. This means that a group of people cannot organize themselves in a club just for the purpose of purchasing health insurance, for instance.<br /> <br /> &nbsp;Types of clubs: A club can be social, political, charitable, financial, etc. Examples of club includes: Women clubs, books clubs, country clubs, bible clubs, rifle club, country club, golf club, etc.<br /> <br /> Insuring a club is one of the confusing issues for commercial insurance personnel and customers because of the significant differences between one club to another and their level of exposure. The challenge comes as a result of the difficulty in determining the liability exposure of the club. All clubs share certain common coverages.<br /> <br /> The common&nbsp; coverages that are shared with other businesses include property coverage for the building (if owned) and business property (office furnishing and computers), workers comp for work related injuries of the staff, business auto, umbrella, and commercial general liability. Commercial general liability and directors and officers coverage are, perhaps, the most important coverage needed by clubs.<br /> <br /> <br /> <strong>Eligibility And </strong><a href="http://www.insurancenavy.com"><strong>Determinations of Insurance Rates For Clubs</strong><br /> </a><br /> 1. Purpose of the club.&nbsp; A 'book club' is different in its liability exposure than a 'rifle club' or other clubs that participate in 'amusement activities' . The chances that the club will cause damages to other people (non members) bodies or property are not the same.<br /> <br /> 2. Size of the club as determined by its enrollments (number of members) and payroll of the staff.<br /> <br /> 3. Activities of the club. Clubs that sponsor social and sport events are&nbsp; more likely to be sued than clubs that do not sponsor such activities.<br /> <br /> 4. Experience of the board. Some insurers will not want to insure newly formed club. It is a good idea for newly formed clubs to have their directors prepare their resume to be submitted with the application for insurance.<br /> <br /> 5. Clubs that participate in or sponsor any activities where liquor is served must make sure that a liquor liability is purchased to cover this exposure. No coverage is provided under commercial general liability for&nbsp; any damages resulting from activities&nbsp; arising from the consumption of liquor sold by/ under the supervision of the club.<br /> <br /> 6. Use of general contractors. Using contractors to perform activities at the club's location or any location while in control by the club&nbsp; may affect both insurability and rates. The club must demonstrate that the contractors do indeed have their own insurance policies (by providing certificate of liability insurance), else they will be considered as employees for the determination of different insurance policies, particularly workers compensation and commercial general liability.<br /> <br /> 7. Exposure to children activities. Insurance companies look at supervising children as potentially riskier that supervising adults. Children need extra care, and are more prone to abuse.<br /> <br /> 8. Limits of coverages. Naturally limits of coverage will affect the rates.&nbsp; More coverages means higher premiums.<br /> <br /> 9. The business auto liability rates are normally determined by the nature of drivers, garaging ZIP, and nature of business use.<br /> <br /> 10. Property coverage rates are determined by the amount of coverage and description of building where the property is located.<br /> <br /> Not all insurance companies have strong appetite for club insurance. Therefore shopping for a good policy is important. Contacting a couple of experienced independent insurance broker is the starting point.urn:uuid:6ddffe1b-c98c-46e6-9df2-6b764e9c61c3Insuring individuals and businesses who perform the installation of protective equipment and devices for residential and commercial users have different needs of &nbsp;insurance services. Due to the sensitive nature of their work many companies insis...Fri, 01 Apr 2011 02:48:27 -0500<p>Insuring individuals and businesses who perform the installation of protective equipment and devices for residential and commercial users have different needs of &nbsp;insurance services. Due to the sensitive nature of their work many companies insist on having complete information before they issue any price or proposal. This article will discuss in brief the risk involved and certain information that is required by the majority of insurance companies before a quote is issued.<br /> <span style="font-size: 18px;"><br /> <strong>Categories of Protective &nbsp;Equipment Installers Risk</strong></span></p> <p>Classes of protective devices and equipment installers may include the sales, installation and repair/ maintenance of the following:</p> <ol> <li>Local and central station burglar and fire alarm for residential and commercial markets</li> <li>Fire extinguishers and automatic sprinkler systems</li> <li>Monitoring devices including medical and emergency monitoring</li> </ol> <p>&nbsp;</p> <p><span style="font-size: 18px;"><strong>General Insurance Needs for &nbsp;Protective &nbsp;Equipment Installers</strong></span></p> <p>&nbsp;Like all other businesses, these classes of business may need certain major common coverages like:</p> <p>&nbsp;(1) Property Coverage to cover their owned building, if any owned; and their business property such as office furniture, computer and installation equipment and tools. A business property floater may be needed to cover their installation equipment while installing at &nbsp;remote customer sites.</p> <p>(2) Workers compensation to cover work related injuries of employees and staff, in office or at installation sites.</p> <p>(3) Business auto liability to cover their owned, hired or non owned auto while being used in the course of the business.</p> <p>(4) &nbsp;Finally, and perhaps most importantly, is the commercial general liability. Protective equipment installers are exposed to lawsuits because of bodily injuries or property damage that result from:</p> <ol> <li>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Defective / malfunctioning products/ devices they sell</li> <li>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Defective designs they provide</li> <li>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Faulty installation of the devices</li> <li>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Faulty repair of protective devices and equipments.</li> </ol> <p>&nbsp;</p> <p><span style="font-size: 18px;"><strong>Factors &nbsp;Affecting Alarm And Protective &nbsp;Equipment Installers Insurance Rates</strong></span></p> <p>&nbsp;</p> <p>1. Classification of operations. Those who install manual fire extinguishers have different rates than those who install and maintain medical monitoring devices in emergency rooms or nuclear plants.</p> <p>2. Size of operations as determined by payroll of the business and total receipts/ sales. The more people involved the higher chances of causing mistakes, then the more money the business has to pay for insurance. More sales means higher probabilities for lawsuits and, thus, higher insurance rates.</p> <p>3. Limits of liability. Logically higher liability limits means higher premiums. Most businesses require at least $1 million in general liability before they allow a contractor to install their protective devices.</p> <p>4. Extent of operations. Some contractors do manufacture their own protective system (means they hold more responsibility for the product, hence more potential lawsuits). Also some installers may get involved with highly sensitive devices such as devices installed on aircrafts, refineries, nuclear plants, emergency rooms, etc. Rates for these people are subject to great analysis. Certain insurance companies will not want to deal with installers that deal with governmental institutions.</p> <p>5. Experience of business and staff. Some companies may exclude installers with less than certain number of years of experience.</p> <p><span style="font-size: 18px;"><strong>Affordable Insurance Prices for Installers of Protective Devices</strong></span></p> <p>Dealing with an experienced &nbsp;independent insurance agent is the key to getting a better price. Independent agents who deal with many companies are more resourceful than captive agents who deal only with one company, and they, independent agents, are more likely to get better insurance rates. You may check online for an experienced independent agent, or simply get a referral from an associate in the business.</p>urn:uuid:d469d1f9-6ed2-4215-8fc1-5c2fddc0470dby Ed Sneineh Owning and running a day care business is a great challenge for many reasons. Complying with the legal aspects of the business and meeting state requirements is just one. Hiring, training, and keeping the right and qualified staff is a...Wed, 30 Mar 2011 00:03:52 -0500by Ed Sneineh<br /> <br /> Owning and running a day care business is a great challenge for many reasons. Complying with the legal aspects of the business and meeting state requirements is just one. Hiring, training, and keeping the right and qualified staff is anther important issue. Finally, taking routine decisions about different administrative tasks, including decisions about insurance, is another challenge. Insuring a day care business is among the most challenging tasks that face day care centers, and insurance professionals as well. As an example of that challenge is apparent when we learn that some insurers will refuse to insure a strip mall, just based on the mere fact that a day care in that strip mall!<br /> <br /> Day care centers can be classified in to two main types, one that provides daily care for children and the other type is the one that provides day care for the elderly. While the clients have different ages and shapes, they all have certain things in common- They all are incapable of caring for themselves, and they need someone else to care for them because of their mental incapacity. There are lots of rules and guidelines governing the conducts of these days cares and many questions related to their insurability.<br /> <br /> <strong>Traditional </strong><a href="http://www.insurancenavy.com"><strong>Insurance Coverages for Day Care Centers</strong></a><br /> <br /> Whether a nursery for children or a day care for adults, certain coverages that day care centers need are the similar to other businesses. These coverages include:<br /> <br /> <span style="text-decoration: underline;">Property Coverage:</span> This includes coverages on the building (if owned), business property, office fixture, computers, signs, etc.<br /> <br /> <span style="text-decoration: underline;">Commercial General Liability: </span>Includes coverages for premises, advertising injury, and product liability. Sexual molestation is a coverage that is excluded in the general liability section, and because the nature of the business that involves caring for incompetent individuals insurance companies stress this exclusion and the methods to include it, if so desired.<br /> <br /> <span style="text-decoration: underline;">Workers Compensation:</span> This is an important coverage for all businesses to cover employees and staff for any work related accident. This coverage is mandatory by law.<br /> <br /> <span style="text-decoration: underline;">Business Auto Insurance:</span> Day care centers may need this coverage in the event they have a vehicle used in the course of business (utility vehicle, van or bus). <br /> <br /> <br /> <strong><a href="http://www.insurancenavy.com">Sexual Molestation Insurance</a>- A Special Coverage Needed For Day Care Businesses</strong><br /> <br /> As indicated earlier, an important coverage that might be needed by day cares is sexual molestation. Some companies offer limited coverage as an endorsement. Normally there is a lower limit for this coverage. <br /> <br /> Sexual Molestation is offered at lower limits such as $50,000 or $100,000. There are not many companies that like to offer more than $300,000 for sexual molestation.<br /> <br /> <br /> <strong>Information Affecting Day Care Insurance Rates</strong><br /> <br /> Insurance companies seek information from day care businesses that affect their eligibility. This information includes:<br /> <br /> <span style="text-decoration: underline;">Location of The Business:</span> Companies charge different rates based on ZIP codes because ZIP codes determine chances and frequencies of losses and claims.<br /> <br /> <span style="text-decoration: underline;">Business Experience. </span>Some insurance companies look at older businesses more favorably than newer business. Other companies my disqualify certain new day care centers from insurance.<br /> <br /> <span style="text-decoration: underline;">Numbers of Attendants; </span>Full Time, and Part Time Staff: Each company looks differently at the ratios of professional staff compared with attendants. Certain companies will disqualify day care centers if these centers do not maintain certain ratios.<br /> <br /> <span style="text-decoration: underline;">Services Offered:</span> Some day cares offer more than 'just care' such as counseling, medical care, services for challenged students, public transpiration, sport activities such as swimming and gymnastics. If so, all activities have to be disclosed to the insurer.<br /> <br /> <span style="text-decoration: underline;">Hiring Practices:</span> Insurers want to know if the business has any specific hiring policies including criminal background checks. Some companies will not offer any endorsement to include sexual molestation coverage if the business does not have adequate proof to exclude people with conviction of sex crimes. <br /> <br /> Getting day care insurance can be a simple task if you have all the relevant information. However, providing inadequate or incorrect information to your agent can bring unpleasant results later.urn:uuid:509c22b9-bfa0-4adb-afe0-6bc742a6497fSearching for business automobile protection is an important need for any person or business looking to invest in the paratransit and public transportation business. When it comes to examining taxi and limousine insurance quotes, there are a number o...Tue, 29 Mar 2011 01:07:03 -0500Searching for business automobile protection is an important need for any person or business looking to invest in the paratransit and public transportation business. When it comes to examining taxi and limousine insurance quotes, there are a number of tips&nbsp; you&nbsp; can examine, tips that&nbsp; will help in finding the reasonable coverage for your taxi/limo&nbsp; company at the most competitive price. Adhering to these simple steps will aid you in reaching your business goals.<br /> <br /> <strong>1. Business Needs Analysis</strong><br /> <br /> Before any individual or company can embark on the process of comparing quotes from taxi insurance brokers, it is vital to confirm what your organizations usually requires in relation to protection. <br /> <br /> <span style="text-decoration: underline;">Auto Liability</span><br /> <br /> This is an obligatory coverage that has to be kept on all business autos. In Chicago, the minimum limits of auto liability expected by the City to allow paratransit, taxi and Limos is $350,000 Combined Single Limit, Each Occurrence. Other nearby villages may ask for higher or lower limits. Most surrounding suburbs ask for at least $250,000 Combined Single Limit, Each Occurrence.<br /> <br /> A self employed taxi or limo owner may not take into account liability limits as significant as another business owner with a bunch of taxi or limo vehicles. The amounts of business&nbsp; investments to be protected are different. A business owner of ten taxi cabs with 10 medallions may be risking a total investments of $3 to $4 million; as opposed to $200,000; more or less; for an owner of one medallion. Therefore, limits of liability is much more crucial to the owners of fleets.<br /> <br /> As indicated earlier, minimum limits of taxi insurance in the City of Chicago for most public transportations including paratransit, taxis and limos is set at $350,000. In 1995, an Illinois woman won $5.2 million in a lawsuit against Yellow Cab in connection with brain injury she suffered in a car accident caused by a negligent cabbie. Insufficient coverage can bring very unpleasant experiences to fleet owners.<br /> <br /> <span style="text-decoration: underline;">Comprehensive and Collision</span><br /> <br /> This is to provide insurance for the vehicles in the event of collision, fire, theft and other losses to the vehicles. This coverage costs about 4% to 5%, of the value of the autos, annually. Most taxi/limo owners evade buying this coverage because insurance providers do not valuate their vehicles high enough, due to increased mileage on these taxi/limo vehicles.<br /> <br /> <span style="text-decoration: underline;">Workers Compensation</span><br /> <br /> Another important need for taxi/limo entrepreneurs is <a href="http://www.insurancenavy.com">workers compensation for taxi drivers</a>. Small business owners and independent contractors doing business as taxi or limo drivers may find different methods to exempt themselves from this legally necessary but relatively high priced coverage, but those who employ drivers and office staff are mandated by law to have it.<br /> <br /> Workers compensation can be supplemented sometimes with a coverage known as occupational accidents or OCC/ACC where drivers may be provided limited medical payment and limited disability income in the event of work related injury.<br /> <br /> <span style="text-decoration: underline;">Property and General Liability</span><br /> <br /> limousine and taxi fleet owners may also find themselves in the position to keep certain property and commercial general liability coverage to insure their office furniture, dispatching radios and equipment, computers, signs, money, crime, etc. Bigger businesses look at this insurance part more crucial than smaller businesses or one man ventures.<br /> <br /> <br /> <strong>2. Analyze Coverages Vs Rates</strong><br /> <br /> There are limited number of insurance companies in the Chicago area that offer taxi or limo insurance at reasonable rates. For that reason the search is not as daunting as it sounds. However, taxi owners&nbsp; need to deal with a independent insurance agent who knows the guidelines concerning insurance liability certificates for taxi in Chicago. When starting the search for <a href="http://www.insurancenavy.com/blog">taxi and&nbsp; limousine insurance quotes</a>, it is important to take advantage of contacting a few independent agents that will provide you with that coverage. When your rate estimates are received, make sure to evaluate their prices as well as the coverage that they offer your company. In certain situations paying a little more in your rates can greatly enhance the quality of your coverage.<br /> <br /> <strong>3. Surcharges and Discounts</strong><br /> <br /> The main discount that taxi and limo insurers may offer are discounts furnished for having no previous losses. Discount amounts can be considerable for medium to large size taxi businesses, where yearly premiums may be well over 1 or 2 million dollars just for auto liability.&nbsp; A customer asking an insurance agent to give back a portion of commission to customers is classified as rebating, and is strictly illegal. Both the broker and the customer can be subject to serious fines if rebating takes place.<br /> <br /> Finally, limousine and Taxi businesses may have to pay more money if they recruit young drivers, or if they employ operators with poor MVRs.<br /> <br /> ##<br /> Get A Fast Free quote on your taxi, limo or paratransit vehicle. Call 708 233-4848 and ask to speak with an agent. Insurance Navy provides extensive experiences in Chicago taxi insurance.urn:uuid:a04cfb2c-d4b2-4445-9e19-3e0ac1a33727by Ed Snaineh &nbsp;During early spring times vendors of ice cream start their shopping for the appropriate coverage for their ice cream vending trucks in the Chicago metropolitan area. Most ice cream vendors place the maximum focus on getting the &n...Fri, 25 Mar 2011 01:41:39 -0500<p>by Ed Snaineh</p> <p>&nbsp;During early spring times vendors of ice cream start their shopping for the appropriate coverage for their ice cream vending trucks in the Chicago metropolitan area. Most ice cream vendors place the maximum focus on getting the &nbsp;<a href="http://www.insurancenavy.com">cheap ice cream vending truck insurance rates</a>. While rates are very much important, other considerations should not be ignored during the shopping process and after obtaining your ice cream truck insurance policy.</p> <p><strong>Shopping For The Right Insurance Premiums</strong></p> <p>Shopping for insurance to cover your ice cream vending truck should not be hard. There are not many companies that offer this coverage and unlike personal auto insurance, there are fewer companies in the Chicago area that are willing to sell insurance for ice cream vending trucks. Start looking for quotes from sources around you including, including ice cream wholesalers and other ice cream vendors and online search using the internet.</p> <p>Insurance rate is of course a primary concern for every ice cream vendor. But as you are choosing the cheapest rates, think about the following:</p> <p>1. Make sure that you are getting a quote and policy proposal for a commercial vehicle. If you do not stress the fact that your 'van' is a commercially used vending vehicle then you might not getting the right policy. Wrong coverage is almost equal to no coverage!</p> <p>2. Make sure that you get the appropriate liability coverage that fits your needs or the need of your business. Some companies providing this coverage offer it only at minimal limits. The minimum limits of <a href="http://www.insurancenavy.com">liability on vending ice cream truck</a> is $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 in property damage per accident. These limits may not be suitable for a business or business owners with significant wealth. Many governmental bodies, municipalities, and counties in Illinois require that you have a minimum of $1,000,000 in liability.</p> <p>3. Comprehensive and Collision may not be really necessary. If you decide to buy it make sure to ask your agent if your company is also covering the freezing equipment and other equipment.</p> <p>4. You might have to purchase <a href="http://www.insurancenavy.com/blog.aspx">general liability policy for your ice cream vending</a> business, which will provide coverage in the event your actions as a seller (not truck or as a driver) cause bodily damages to others (For example, if the ice cream you sell causes bodily harm to others.) &nbsp;Again working in a territory belonging to a village or county may require that you get this coverage before the local authorities allow you to sell ice cream in their territory.</p> <p>5. Make sure to get workers compensation if you employ others. Your business will be breaking the law if your corporation is operating without workers compensation. Also, some municipalities and villages will not allow you to get a vending permit unless you have workers compensation.</p> <p>6. Make sure to disclose all of the people who will be driving the truck. Keep in mind that failure to disclose other drivers may lead to declination of coverage. If you include a driver less than 25 years of age your premium will go up. Also, many insurance companies do not allow any drivers age 20 or under to be driving a commercial vehicle. You are taking too much risks if you allow young drivers under age 25 years to drive while not on the policy.</p>urn:uuid:f19e7c95-5bdd-49ef-981f-95c516d3e15a&nbsp;Is Illinois Senate Bill SB0152 Is Moving Forward To Become Law? by Ed Sneineh, ChFC SB0152 is requiring all auto insurance companies to sign up with a non government agreement known as Nationwide Inter-Company Arbitration (NICA). There are ove...Mon, 21 Mar 2011 23:04:05 -0500<p><strong>&nbsp;Is Illinois <a href="http://www.ilga.gov/legislation/BillStatus.asp?DocNum=152&amp;GAID=11&amp;DocTypeID=SB&amp;LegId=54951&amp;SessionID=84">Senate Bill SB0152</a> Is Moving Forward To Become Law?</strong></p> <p><strong>by Ed Sneineh, ChFC<br /> </strong></p> <p class="Default">SB0152 is requiring all auto insurance companies to sign up with a non government agreement known as Nationwide Inter-Company Arbitration (NICA). There are over 4,000 insurance companies that signed this agreement. The agreement is&nbsp; medium through which insurance carriers work with and resolve disputed issues related to claims among themselves through arbitrations, without having to go to courts. The arbitrators are normally well knowledgeable &nbsp;adjusters with several years of experience. The NICA program is administered by Arbitration Forums Inc., a non-profit organization, headquartered in Florida. The program resolves about half million insurance disputes every year with an estimated value of about $2.5 billion.<br /> <br /> Not all auto insurance companies are signatories to the agreement. The&nbsp; process of settling the claims under the agreement and between participating companies rely on each companies submitting every fact they have to the arbitrators, and then wait for the final decision. So if your company is not happy for paying your claim because they think it is the other person's fault, then the adjuster of your company will file the proper paperwork including all supportive documents (statements, photos, estimates, bills, etc.) to arbitration and to the opposing company. Very serious guidelines and timetables are used in the process of filing the paperwork.<br /> <br /> The process is not appealing to certain companies who think that&nbsp; the whole idea is unfair, perhaps because of the nature of their clients that are less strict in getting as much information as possible at the time of crash, and relaying that information to their carriers! Some non-standard companies do not subscribe to the agreement, and would rather act &nbsp;against it for the above reasons and other reasons including:</p> <ul> <li>Questioning witnesses and other motorists are not allowed in the agreement.&nbsp; </li> <li>Live experts are not allowed. </li> <li>Neither the insured persons nor their companies are allowed to be present in arbitration sessions .&nbsp; </li> <li>No one can contest the capability of arbitrators in their experience or judgment.</li> <li>The decisions are mechanical, usually for 100% of the claim.&nbsp; </li> <li>&nbsp;No meaningful way to appeal the arbitration decision.</li> </ul> <p class="Default">&nbsp;<br /> <strong>Pros and Cons of the Agreement</strong><br /> <br /> Insurers that work in the non standard markets are less likely to agree with this Agreement because their clients are less likely to cooperate at the time of crash or provide information that clients of standard carriers provide. For that reason, non standard companies will be suffer more. If <a href="http://www.ilga.gov/legislation/fulltext.asp?GAID=11&amp;SessionID=84&amp;GA=97&amp;DocTypeID=SB&amp;DocNum=152&amp;LegID=54951&amp;SpecSess=&amp;Session=">SB0152 becomes a law in Illinois</a>, non standard customers will have to pay more for insurance, while the quality of service will go up. While that is very good news to the public, increasing insurance premiums will leave more people driving uninsured.<br /> <br /> Non standard insurers can benefit from the law in terms of charging higher premiums, which means more profit. Since the law will make it mandatory for every insurer to sign, the increase in premiums is expected to be relatively equal with all companies, hence competition in the same class of companies will not be much different. The claim that only non standard companies do wangle and dodge other insurers before paying the claim is not true. There are standard companies that do the same thing, although the practice is more prominent with large claims. So the Bill may work in the favor of the non standard carriers as well. Generally speaking, companies will save in their legal fees by avoiding court expenses.<br /> <br /> For customer of non standard companies, there is no doubt that prices of insurance will go up,&nbsp; so will the quality. Slow and unreasonable <a href="http://www.insurancenavy.com">claims settlement practices in Illinois</a>&nbsp; will come closer to end. Customers of standard and preferred insurers will have to pay higher premiums as well, because these preferred and standard carriers will end up seeing more uninsured motorists causing damages to their customers vehicles.<br /> <br /> Independent <a href="http://www.insurancenavy.com">auto insurance agents in Chicago</a> will end up reaping the benefits if the Bill&nbsp; passes. First the improved claim payment services of the companies will mean less claim services in the independent agent office. And 2nd, the increase in the &nbsp;premiums will lead to higher commission.</p>urn:uuid:31e8c6cc-6f8d-4204-abee-1e5fe2e39070by Edwardo Sneneh The truck transportation of cargo represents a base in the domain of logistics that is utilized by almost any business trying to ship and receive stuff. This great demand affiliated with goods transportation has inspired a generati...Sun, 20 Mar 2011 09:53:41 -0500by Edwardo Sneneh<br /> <br /> The truck transportation of cargo represents a base in the domain of logistics that is utilized by almost any business trying to ship and receive stuff. This great demand affiliated with goods transportation has inspired a generation of large businesses using many different operators; smaller companies seeking out to get off the ground with more local resources, as well as private owner-operators working on a contractual obligation. When you are a trucking company or individual trucker looking to take advantage of the high truck transportation demand, it becomes crucial to invest in learning about the protection found with trailer interchange insurance.<br /> <br /> <strong><span style="font-size: 16px;">Definition and Types of Trailer Interchange </span><br /> </strong><br /> Trailer Interchange is a physical damage insurance on trailers that a truck is pulling, or is under the control of that trucking company, and that is not owned or leased for the restricted use of the trucking company. The coverage does apply as comprehensive (fire, theft, etc.) and collision overturn and colliding with an object to a trailer pulled by a trucking company under an agreement (ie, non owned trailer.) <br /> <br /> When looking to take advantage of this protection opportunity, a person should start with building an understanding of what it protects. Most trucking and transportation organizations do not utilize only their own truck-tractors and trailers to transport items from place to place. Instead these transportation companies utilize leased drivers and their trucks to pick up different trailers owned by other businesses to transport goods from one place to another. With trailer interchange insurance you are acquiring a coverage that will give protection to a trailer owned by a third party in the bad case of an accident or if damage were to happen to the trailer. <br /> <br /> <br /> <span style="font-size: 16px;"><strong>An Integral Part of A Trucking Polic</strong></span>y<br /> <br /> Most trucking policies come with these coverages. As we will see, trailer interchange coverage is an integrated part of trucking policy: <ul> <li>Primary auto liability: Has minimum set by either local or federal government,&nbsp; based on the nature of the business, weight of trucks, and classification of cargo hauled.</li> <li>Cargo liability: Has minimum set by either local or federal government, based mostly on weight of trucks.</li> <li>Trailer interchange: Usually comes in the amount of $25.000 to cover non owned trailers.</li> <li>Scheduled trailer coverage: Covers trailers that are (1) scheduled on the policy and (2) that are owned by the business. The limits of coverage is normally stipulated on the policy.</li> <li>Physical damage coverage on own trucks, if needed.</li> <li>General liability for the trucking business. Most larger business will be required by their clients to have that. This coverage starts at about $1,000 per year but can go up for larger business (ie more than 9 trucks).</li> <li>Workers compensation: Needed by law. In Illinois the owner operators who work under independent contractor may not qualify by some insurance companies for exemption as 'independent contractors' unless they show proof of having their own workers comp. So if you have an independent contractor owner operator with total payment of $80,000 in a year, you might get a big bill from your workers comp carrier to pay for workers compensation on that case, unless that owner operator can demonstrate that he has workers comp om his/her won.</li> <li>Occupational Accident: An alternative coverage to workers comp but is not the same. Limited amounts offered for income and medical expense in case of work related injuries of your drivers.</li> </ul> <br /> <span style="font-size: 16px;"><strong>Does Your Business Need Trailer Interchange Insurance?</strong></span><br /> <br /> Trailer interchange insurance is necessary for any business or individuals in the trucking or&nbsp; transportation industry as it will provide protection to the interests of both the trucking/ transpiration company, as well as the parties who they commonly do business with. Other third parties will require to see a certificate of insurance with trailer interchange coverage stated on it, just before them allowing you to haul their loads or trailers. <br /> <br /> The value of the trailer, not the merchandise hauled or goods loaded in the trailer, are the main determinants of the limits and the rate of the coverage. The most frequent amount of coverage for <a href="http://insurancenavy.com">trailer interchange insurance in Chicago</a> is $25,000.00, with a price ranging between $650 to $900 on yearly basis, with a deductible of $1,000 per claim. If you come to hauling a more valuable trailer, your client may ask you to increase that coverage. Your insurance agent may do that for you quickly with an endorsement to your contract.<br /> <br /> <br /> <span style="font-size: 16px;"><strong>Owner Operators Do Not Need Trailer Interchange</strong></span><br /> <br /> Trailer interchange insurance regularly comes with just about all primary insurance policies where MC filing is needed. If that trucking business seeking primary insurance does use their own trailers along with the leased ones, they need extra coverage to cover their own shown trailers, because trailer interchange does not offer coverage to owned trailer. Owner operators, or truckers who lease their own tractor trucks to trucking companies do not need this coverage (their leasing companies will furnish it to them when the owner operators are under dispatch.)<br /> &nbsp;<br /> Maintaining the proper insurance is always a highly recommended investment for any business in any sector. Sometimes it is a legal condition! With the merits of quality trailer interchange insurance, a trucking business owner can feel guaranteed that their best interests are protected as they use trucks and owner operators to transport the goods of their clientele. Knowing how this type of insurance works, assists a business owner in distinguishing the significance linked with having or not having the proper type of this insurance.urn:uuid:81bfa3bc-e0b6-4682-a460-644fc2273360Having the right protection in your commercial insurance policy will assist in protecting the assets of your business, as well as assuring the safety of your workers and clients. With the correct coverage business people can have peace of mind that t...Sat, 19 Mar 2011 02:03:35 -0500Having the right protection in your commercial insurance policy will assist in protecting the assets of your business, as well as assuring the safety of your workers and clients. With the correct coverage business people can have peace of mind that their company will be protected from the high costs of auto repair, medical bills, and the risks of probable litigation. For auto repair/ body shops the challenge is the same, that is finding the right insurance. In order to discover how you can satisfactorily find the particular car repair shop insurance policy for your business, you need to first determine the varying coverage selections your business have got to integrate into its policy.<br /> <br /> <strong>Business Property Coverage</strong>: Property coverage may incorporate Building, Business Personal Property or BPP, Signs, and Money, to mention only a few. Particular coverage to the auto services businesses include mechanic tools, hydraulic equipments, paint booths, frame straightening machine, paint supplies, etc. <br /> <br /> Property coverage can vary depending on the place of your company. For a business that owns the building where they occupy, this coverage is important in protecting the business and averting any losses from unpredicted situations. However, if your company is renting their location, it is essential you ask about the property coverage provided by the building owners.&nbsp; Some companies may consider canopy and roof air conditioning units as part of the building, while others do not.&nbsp;&nbsp; Finding precisely what is covered in those policies will help to identify disadvantages and establish your own special auto repair shop insurance policy.<br /> <br /> It is always better to get insurance based on Replacement Cost (cost to replace your property new) as opposed to Actual Cash Value, which is the depreciated value of your property.<br /> <br /> <strong>Insurance on Own Business Autos</strong>: When it comes to <a href="http://www.insurancenavy.com">auto repair shop insurance</a>, automobile coverage is very important, of you own one. This coverage starts with protecting any vehicles that can be identified as company owned vehicles, as most businesses use these autos to tow customers cars, pick up parts, and aid in the transportation of customers. <br /> <br /> <strong>Garage Keeper Liability</strong>: Another form of auto coverage that is important to utilize is regarding covering your customer's vehicles for both comprehensive and collision while they are in your care and under your control. Called <span style="text-decoration: underline;">Garage Keeper Liability</span>, this coverage can be <em>Primary or Legal</em>. Garage Keeper Primary Liability will pay for damages to your clients' vehicles regardless why, as long as the vehicles were under your control at the time of damage. Garage Keeper Legal Liability will pay only if you are found legally responsible for the damages caused to the customer's car. Example: A customer's&nbsp; car that was left for some repair work catches on fire because of flawed electrical work done on the car 2 months ago by the dealer. If you have Primary coverage, your company will pay, regardless. If you have Legal coverage, your company may not pay based on the argument that you did not cause or contribute to the car destruction.<br /> <br /> <br /> <strong>Covering Your Liability</strong>: For a vehicle repair shop Garage Liability normally covers Commercial General Liability (slip and fall, etc) as well as auto liability arising the use of non owned automobile&nbsp; in the course of the garage operations!&nbsp; This is typically related to third-party claims that are often unforeseen by the vehicle service shop. If a consumer is injured on site or an associate is involved in an accident while test driving a customer's vehicle, this policy can help with the likely result of lawsuits and protect the safety of others.<br /> <br /> <br /> <strong>Other Insurance Plans</strong>: A variety of types including medical, dental, and Workers Comp coverage are called "Associate Coverage". Having all of these protection policies will not only protect your associates in the event of an accident, but will also make your company highly appealing to high-quality workers.<br /> <br /> The ability to effectively insure your vehicle repair business starts with discovering the exact areas you will need coverage for. By having a better knowledge of what property, associate, vehicle, and liability coverage offers you in an auto automobile repair shop&nbsp; insurance policy, you can find the best protection for your business at the most competitive price.<br /> <br /> -- End<br /> <p style="line-height: 150%;">Insurance policies often act as a security blanket for businesses looking to protect their interests. When seeking <a href="http://www.insurancenavy.com/blog.aspx"><span style="text-decoration: underline;"><strong>auto repair shop insurance</strong></span></a> is important to identify all the areas you wish to protect your company with, to identify the best protection for your business. Discover a greater understanding of what is possible with your insurance protection by going to <a href="http://www.insurancenavy.com/">http://www.insurancenavy.com/</a> or you can call our commercial insurance department at 708 233-4848.</p>urn:uuid:d0fd0dbe-11c4-42fa-b837-fc3cd5280eb9Getting the proper insurance represents a key feature for any business wanting to save their best assets and interests. For a construction development enterprise or a private business offering solely the services of a dump trucking, the insurance opt...Fri, 18 Mar 2011 03:03:42 -0500Getting the proper insurance represents a key feature for any business wanting to save their best assets and interests. For a construction development enterprise or a private business offering solely the services of a dump trucking, the insurance options there could change based on the information you provide to the insurance brokers. Always remember the following issues during your dump truck insurance search to help in cutting down insurance rates and guaranteeing that you make use of the correct insurance policy for your company.<br /> <br /> <span style="font-size: 24px;"><strong>Truck Drivers Profiles</strong></span><br /> <br /> Figuring out the <em>right</em> persons who will be operating your trucks can usually assist in lowering your insurance premiums. When a driver has a&nbsp; negative driving history, it will cause an enhanced risk to the insurance company, leading them to boost your rates as a result of the increased potential of accidents that your driver will cause.&nbsp; Picking persons with clear driving reports to be reported on the insurance policy will considerably assist in controlling those costs and reducing your risk level.<br /> <br /> The <strong><em>experience</em></strong> of the truck operators makes an additional considerable question. A number of <a href="http://www.insurancenavy.com">dump truck insurance companies</a> will not offer coverage for any driver with fewer than two years of CDL driving experience. If you have drivers with less the required experience your choices of truck insurers will also be limited, hence the price choices will be restricted as well.<br /> <br /> <em><strong>Age</strong></em> of the driver is also critical. Drivers less than 25 years of age will trigger a surcharging to your policy. Unless needed, make sure your hires are over age 24 years.<br /> <br /> <span style="font-size: 24px;"><strong>Description of Trucks</strong></span><br /> <br /> Dump trucks number of axles and weight are vital in establishing the insurance rates, and probably other legal filing necessities. Heavier duty trucks, with higher GVW and more axles mean higher insurance premiums.<br /> <br /> It may seem like common sense to include your trucks into the dump truck insurance policy, but there are often simple mistakes many business owners may cause that can normally lead to canceling a policy by the insurance provider. It is essential when answering questions related to your vehicles details that you be one hundred percent correct in order to evade any mistakes. Mistakes on vehicle identification numbers, weight, and body type, can all cause the rescinding of your trucking policy, which could be overwhelming for a business in the event of an at fault accident.<br /> <br /> <span style="font-size: 24px;"><strong>Cargo You Haul</strong></span><br /> <br /> Almost all businesses have a very solid lines of business of what their business will utilize dump trucks for. Even trucking-for-hire establishments that deal with dump truck services have knowledge of what their limitations may be in relation to things hauled. When it comes to dump truck insurance, the more hazardous or dangerous the material you haul, the higher the prices are for your business. Once again, exactness is essential to make sure you have the exact protection for the material you are hauling in the regrettable occasion of an accident.<br /> <br /> <span style="font-size: 24px;"><strong>Long Haul Vs Local Distance</strong></span><br /> <br /> Another issue to keep in mind when searching for the best dump truck insurance for your establishment is found with determining your typical hauling distance. General speaking a truck that travels unlimited mileage, versus a short range business, will most of the times have higher insurance costs a result of the increased travel time. Notice that this can be wrong sometimes, as some insurance carriers may charge more for business based in larger urban areas like City of Chicago, where driving locally involves more risk that driving on freeways. Identifying your outlook in relation to radius of operations can assist in producing a realistic insurance quote that will protect your establishment resources.<br /> <br /> <span style="font-size: 24px;"><strong>Company/ Applicant Credit</strong></span><br /> <br /> A fifth issue is the credit worthiness of the corporation or the person applying for truck insurance. Certain trucking insurance providers do charge extra for companies and individuals with bad credit.<br /> <br /> <span style="font-size: 24px;"><strong>Prior Insurance, Other Insurance</strong></span><br /> <br /> Certain companies will give you a big discount if you had prior insurance that has not lapsed. <a href="http://www.insurancenavy.com">Progressive Commercial Auto Insurance</a> allows about 10% discount for prior insurance with certain limits. <a href="http://www.insurancenavy.com">Progressive Trucking Insurance</a> gives additional discounts for trucking businesses that have Commercial General Liability.urn:uuid:b42274d3-a1a2-488a-89dc-e321c1fa11b3 a.navwhite:link { text-decoration: none; color: #ffffff; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } a.navwhite:visited { text-decoration: none; color: #ffffff; font-family: V...Thu, 10 Mar 2011 04:48:06 -0600<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 3.2//EN"> <html> <head> <style> a.navwhite:link { text-decoration: none; color: #ffffff; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } a.navwhite:visited { text-decoration: none; color: #ffffff; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } a.navwhite:hover { text-decoration: underline; color: #ffffff; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } a.navblack:link { text-decoration: none; color: #000000; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } a.navblack:visited { text-decoration: none; color: #000000; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } a.navblack:hover { text-decoration: underline; color: #000000; font-family: Verdana, Arial, sans-serif; font-size: 10px; font-weight: bold; } h1 { font-family: Arial, sans-serif; font-size: 30px; color: #004080;} h2 { font-family: Arial, sans-serif; font-size: 18px; color: #004080;} body,p,b,i,em,dt,dd,dl,sl,caption,th,td,tr,u,blink,select,option,form,div,li { font-family: Arial, sans-serif; font-size: 12px; } h1 { font-family: Arial, sans-serif; font-size: 30px; } h2 { font-family: Arial, sans-serif; font-size: 18px; } body,p,b,i,em,dt,dd,dl,sl,caption,th,td,tr,u,blink,select,option,form,div,li { font-family: Arial, sans-serif; font-size: 12px; } </style> </head> <body style="background-color: #cecece; overflow: hidden;" topmargin="0" leftmargin="0" rightmargin="0"> <p><strong></strong>&nbsp;</p> <strong> </strong> <p> </p> <table width="100%" align="center" cellspacing="0" cellpadding="3" border="0" style="background-color: #0000a0;"> <tbody> <tr> <td> </td> </tr> <tr> <td style="background-color: #8080ff;"> <p>&nbsp;</p> <p> </p> <h1 style="text-align: center;"><span style="color: #000000;">Chicago Used Car Dealers Insurance</span><strong></strong></h1> <strong></strong></td> </tr> <tr> <td style="background-color: #ffffff;"> <table width="100%" align="center" cellspacing="0" cellpadding="8" border="0"> <tbody> <tr> <td valign="top" style="width: 150px;"> <table width="119" align="center" height="437" cellspacing="1" cellpadding="6" border="0" style="background-color: #8080ff;"> <tbody> <tr> <td> <p style="text-align: center;"><strong><span style="font-family: tahoma; font-size: 13px;">Imporant Notie</span></strong> </p> </td> </tr> <tr> <td style="background-color: #ffffff;"> <p style="text-align: left;"><span style="font-size: 13px;"> Please review this article and call us if you have any question.</span></p> <p style="text-align: left;"><span style="font-size: 13px;"></span>&nbsp;</p> <p style="text-align: left;"><span style="font-size: 13px;">If you need a quick quote, please feel free to call our Commercial Insurance Department Line at:</span></p> <p style="text-align: center;"><span style="font-size: 13px; color: #ff0080;"><strong>(708) 233-4848</strong></span></p> <p style="text-align: center;"><span style="font-size: 13px;">or</span></p> <p style="text-align: center;"><span style="font-size: 10px;">info{at}InsuranceNavy.com</span></p> <p style="text-align: left;"><span style="font-size: 13px;"></span>&nbsp;</p> <p style="text-align: left;"><span style="font-size: 13px;">Get your instant auto insurance quotes in 5 minutes or less.</span></p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> </td> </tr> </tbody> </table> </td> <td><span style="line-height: 150%; font-size: 12pt; font-family: calibri;"><o:p> </o:p> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml">&nbsp;</span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 24px;"><strong>Do all used car dealers need insurance?</strong> <o:p></o:p></span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">Definitely. All used car dealers must have some sort of garage policy that must be filed with the state by the insurance company. A cancellation of their insurance policy will end up in a suspension of their business license granted to them by the state. Used car dealers insurance in <st1:city><st1:place>Chicago</st1:place></st1:city> is the law.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p></span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"><strong><span style="font-family: times new roman;"><span style="line-height: 150%; font-size: 13.5pt;">What kind of insurance do you need?</span><span style="font-size: 16px;"> <o:p></o:p></span></span></strong> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"><strong><span style="font-family: times new roman;"><span style="line-height: 150%; font-size: 10pt;">Mandatory Coverages:</span><o:p></o:p></span></strong> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">You need a<strong> garage liability</strong>&nbsp;policy covering your business as well as the employees and salespeople of your business&nbsp;(who must be listed on the policy) in the event your business actions as a car dealer&nbsp;cause damages to the properties of others or harm to their body. Neither you, nor officers of your business, or employees are covered under any bodily injury or property damage.&nbsp;The minimum amount of garage liability insurance in <st1:state><st1:place>Illinois</st1:place></st1:state> is a split limit of $100,000/300,000/50,000, also expressed as [100/300/50]. These numbers donate the maximum amounts that your company will pay on your behalf for bodily injury per person, bodily injury per accident, property damage per accident; respectively;&nbsp;in the event that you, your business or listed employees cause any at fault accident in connection with your dealership operations. Some companies offer this minimum as a combined Single Limit of $350,000 bodily injury and property damage per accident, which is usually more expensive than the split limit. Used car dealers that run bigger operations should be concerned about liability limits. The author recommends a million dollar as a combined single limit.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">Price of garage liability is based on several factors including limits of garage liability insurance,&nbsp;ZIP code, number of dealer plates (some companies verify it with the state); and number, ages, MVRs of each driver listed on the policy. A basic used car dealer policy with minimum plates and most favorable terms to the issuing company will be little less than $3,000 per year in the City of <st1:city><st1:place>Chicago</st1:place></st1:city>. It is cheaper in the suburban areas of <st1:city><st1:place>Chicago</st1:place></st1:city>. However, additional discounts may apply such as experience with no loss. Also there might be additional extra charges if there are younger drivers or if you have employees with bad driving records.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p></span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">Sometimes the City of <st1:city><st1:place>Chicago</st1:place></st1:city> may also ask you to show a proof of driveway insurance. Normally it is set at $1,000,000 by the City. Certain garage policies issued at lower liability limits&nbsp;in the&nbsp;City of <st1:city><st1:place>Chicago</st1:place></st1:city>&nbsp;may be endorsed, for a small additional fees, to meet the requirements of the City of <st1:city><st1:place>Chicago</st1:place></st1:city>. However in other situations, you might need to get a separate policy for that if your policy does not provide that protection.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p></span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;"><strong>Workers Compensation</strong> is a very important coverage, one that is also&nbsp;very well&nbsp;overlooked by used car dealers. You need workers compensation for your car dealership because you have to meet your legal and ethical obligations towards your business and employees. Officers and owners of the business have the choice to include or exclude themselves from workers compensation. In case they want to be excluded (perhaps they get income and do not do any actual work at the dealership) they need to sign exclusion form. Remember that no employees/subcontractors/ officer of the dealership is covered for bodily injury with regard to any at fault car accident related to the activities of the dealers. Coverage for employees for &nbsp;these situations are provided under a workers compensation policy.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">Workers compensation premiums are based on how much payroll you will pay in the next year. It has nothing to do with the past. People covered include all the employees with W2s (must include by law), independent contractors with 1099 (can be excluded <em>only if you can prove that they have workers comp coverage on their own</em>) and officers/ owners of the business unless specifically excluded. For independent contractors (i.e. drivers who transport vehicles from car auctions to dealership) they must be included unless they show you that they have workers comp coverage somewhere else. It is hard to estimate prices of workers comp because it is based on future payroll. For that reason, your insurance company gives you <em><span style="text-decoration: underline;"><strong>an estimate</strong></span></em> in the beginning, then it <em><span style="text-decoration: underline;"><strong>will audit</strong></span></em> your payroll towards the end of the policy term, after which they will decide the final &nbsp;premium. For that reason, you might be charged extra, or simply get a refund, at the end of the policy period for the previous policy!<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;"><strong>Bonds:</strong> A used car surety bonds is normally requested for new&nbsp; used car dealer ventures which are three years or less.&nbsp; The amount of the bond is $20,000. The bond is some sort of guarantee by the bonding company that the used car dealer will stick to the rules set by the State of <st1:state><st1:place>Illinois</st1:place></st1:state>. A major issue related to bond is its price. The price of the bond could vary from $200 to $2,000 based on the credit of the Principal on the bond (owner / partners of the dealership). Most companies will not issue bonds for people with severe &nbsp;credit problems. Remember that any government body may ask for a bond. For example, Cook County Treasurer may ask a <st1:city><st1:place>Chicago</st1:place></st1:city> used car dealer for a bond to guarantee payments of sales tax! This could be triggered by situations related to the experience of the tax authorities with particular locations, old owners of business, or new owners/ partners.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;"><span style="line-height: 150%; font-size: 10pt;"><strong>Main Optional Coverages</strong></span><span style="font-size: 16px;"> <o:p></o:p></span> <span xmlns="http://www.w3.org/1999/xhtml"> </span></span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">There are some optional coverages that used car dealership may be interested in, based on their needs.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;"><strong>Dealer Open Lot </strong>refers to the collision and comprehensive coverages on dealer owned vehicle.. There is normally a limit set on coverage per vehicle. So if a dealer purchase a dealer open lot coverage with $150,000 per location, that coverage may limit coverage per vehicle of $25,000. Dealers must check their policies.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">One of the source of trouble is related to the Coinsurance Penalty Clause. To save money, a used car dealer may get dealer open lot coverage of $100,000 on his/her lot which contains $400,000 of used vehicles. The coinsurance penalty ratio is the percentage which is used to determine if a particular dealer is properly insured or not. Coinsurance ratios range from 80% to 100%, and they are normally stated&nbsp; on the policy declaration page. In the pervious example if the customer has 80% coinsurance, then the dealer must maintain a minimum of $320,000 to be properly insured. If the dealer keeps less than that amount, then the company will make only partial payments on the claims made, because the customer was paying partial&nbsp;payments in relation to what he/she was supposed to pay. The amount the company will pay is based on the percentage of what the customer currently has [100,000] divided by the minimum that was supposed to be carried [320,000]. In other words, the insurance company will pay about 31.25% [100,000/320,000] of any potential claim, after the deductible!<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">Your business also needs <strong>Garage Keeper Liability</strong>, if you work on autos that you do not own, such as customers who bring their cars for minor repairs. Vehicles that you do not own require physical damage coverage (comprehensive and collision) with certain deductible ($500 to $1,000). Garage Keeper Liability insurance is not needed if the dealer does not perform any maintenance or repair work on vehicles they do not own. Garage keeper liability is not an expensive coverage and is based only on the amount of coverage you need. Normally the minimum amount is $25,000 per vehicle. The difference between $25,000 and $50,000 in coverage is very minimal. You can tell how much you need by knowing the average value of all vehicles that exist on your lot which you do not own.<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">&nbsp;<o:p></o:p> </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">There are other optional coverages that used car dealers may need. These include coverage on Building, Business Property, Security, Business Income, Crime (Robbery etc.) and some forms of Professional Liability. </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">-- </span></p> <span xmlns="http://www.w3.org/1999/xhtml" style="font-size: 16px;"> </span> <p style="line-height: 150%; margin: 0in 0in 0pt;" class="MsoNormal"><span xmlns="http://www.w3.org/1999/xhtml" style="font-family: times new roman; font-size: 16px;">by Ed Sneineh, </span></p> <span xmlns="http://www.w3.org/1999/xhtml"> </span><hr /> <span xmlns="http://www.w3.org/1999/xhtml"> </span> <span xmlns="http://www.w3.org/1999/xhtml"> </span> <p> <span xmlns="http://www.w3.org/1999/xhtml"> <iframe width="800" height="1600" frameborder="0" src="https://spreadsheets.google.com/viewform?formkey=dDM3LVVtSU4xVktHYVQ1ZWdGRmdEQkE6MQ&amp;h" marginheight="0" marginwidth="0">Loading...</iframe></span></p> <span xmlns="http://www.w3.org/1999/xhtml"> </span> <span xmlns="http://www.w3.org/1999/xhtml"> </span> <span xmlns="http://www.w3.org/1999/xhtml"> </span> <span xmlns="http://www.w3.org/1999/xhtml"> </span></span></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </body> </html>urn:uuid:cb5e248a-078e-434c-b0a9-415a6f57161fChicago metro area is believed to be one of the most captivating when it comes to aspects of business routines. The question concerning the insurance business starts by beginning to see the great differences in the insurance prices between one ZIP co...Tue, 08 Mar 2011 00:16:50 -0600Chicago metro area is believed to be one of the most captivating when it comes to aspects of business routines. The question concerning the insurance business starts by beginning to see the great differences in the insurance prices between one ZIP code compared to another. Occasionally businesses and individual consumers who are situated on one corner of a street corner may be paying much more than the others on the opposite side of the street, due to the fact that their neighbors have a different ZIP code. Almost all of the<em> property insurance</em> companies do not place too much significance on ZIP codes as such, so you may or may not find any big difference in the price- with regards to property based in the City of Chicago, or even in Cook County. The disparities are more marked in the commercial and personal vehicle and trucking insurance settings.<br /> <br /> <br /> <strong>Dividing Chicago in To Territories</strong><br /> <br /> Nearly all of the Chicago auto insurance companies subdivide the Chicago metro region into a number of 'territories' based mostly on ZIP code. Usually Chicago City as a whole, looks to be at the greatest degree in insurance losses risk when it comes to personal car insurance and business auto insurance. Suburbs surrounding and located on the outskirts of Chicago have different territories, routinely characterized as less risky by these insurance providers. Finally suburban communities that are further away from the City of Chicago, and that are not contiguous with the City of Chicago have the lowest amount of risk in relationship with these communities, hence insurance premiums are least costly in those areas.<br /> <br /> <strong>Exceptions to the Rules</strong><br /> <br /> These are the basic regulations. On the other hand, a variety of insurance companies do not abide with these principles in their rating systems. Depending on the experience of the individual insurance carrier,&nbsp; that particular insurance company could possibly decide to have higher than normal or lower than normal insurance prices for a certain territory, or ZIP code, based on the favorable or negative experience of that insurance carrier in that given ZIP code. This situation is not a great news to insurance consumers.<br /> <br /> <strong>Chicago Area Is Tempting To Insurers Also</strong><br /> <br /> The good news is that the Chicago region is one of the most tempting&nbsp; territories for insurance companies. The Chicago metropolitan area have large number of insurance companies all wanting to making insurance buyers satisfied, by all means including price competition. So, if a particular insurer is charging you more because you are situated on the southeast corner than someone else on the opposite corner of the Road Crossing Point, another insurance company could be doing literally the contrary of that. This is so true in the areas of the Chicago downtown and surrounding ZIP codes regions.<br /> <br /> <strong>No Need To Change Corners</strong><br /> <br /> The&nbsp; meanings of these principles to the<a href="http://www.insurancenavy.com"> Chicago auto insurance</a> are that individuals who live in the City of Chicago and adjacent suburbs should constantly <a href="http://www.insurancenavy.com">compare insurance premiums</a> proposed to them by their companies. If they have a good deal with Company C this year, someone might identify a greater deal next year with Company Y. For consumers who are in the trucking/ cargo, towing insurance, or public transportation businesses, savings can be even more considerable due to the fact that the rates are already high and a modest percentage reduction translates into large number in the last figure.<br /> <br /> The main commitment that&nbsp; client has to show is for quality insurance companies, first, and price, second. It is very fair to state that not all insurance carriers are the same. But, it is also true that there is not one insurance company that is monopolizing the excellence and the quality service. Some insurance carriers are preferred in their services than others. As long as you are with a preferred or standard insurance provider your next level of&nbsp; concern should be the rate you are paying for your insurance policy!<br /> <strong><br /> Independent Agents Stand On More Than One Leg, Captive Agents Stand On One</strong><br /> <br /> Reaching a final decision concerning what is the best for your personal or business insurance in Chicago area may be beyond the purpose of this blog. However, it is recommended that you do business with an insurance rep who represents more than a few insurers, one that has the skills to offer to you so that you can take the best decisions. Dealing with a knowledgeable independent agent is the solution.<br /> <br /> A lot insurance consumers think that dealing with a '<em>reputable insurance company</em>' is the answer to most of their insurance needs. In reality this is very inaccurate. Generally speaking, a captive representative, one who only works with a single insurance carrier, can only provide help limited to insurance offerings from one company. A captive agent can offer you only one choice, the choice to buy from him or her, not other insurance providers! That insurer may not be competitive in your region, hence you will not have an opportunity to review many other quotes offered by other reputable carriers. Also, a captive agent's sponsoring insurance company may not offer the sort of coverage you are looking for. For example, not all insurance carriers offer trailer interchange or long haul trucking.<br /> <br /> by Edward Snainahurn:uuid:b0b78a15-8121-4e31-ac18-3561cef2df87Looking for cheap auto insurance quotes online is an efficient way to cut your&nbsp; auto monthly insurance charges. Looking for&nbsp; auto insurance online using your desktop or laptap is becoming a routine and a simple task. However searching for f...Sun, 06 Mar 2011 19:37:58 -0600Looking for cheap auto insurance quotes online is an efficient way to cut your&nbsp; auto monthly insurance charges. Looking for&nbsp; auto insurance online using your desktop or laptap is becoming a routine and a simple task. However searching for for auto insurance using your iPhone is still not as usual, but is getting little more public. Automobile insurance, which is usually needed once or twice a year, is not a convenience service, meaning that consumers usually need it less often than many other services that iPhone is used for. That's why the need to search is not common as often as other services that are thought about more often, perhaps several times every day. <br /> <br /> The internet is by far the easiest, more efficient and fastest way to shop for automobile insurance. These days, motorists and car insurance consumers may very well purchase the most effective policy by reviewing the premiums available by competing companies with a few click. Presently, accessing the internet away from a home PC or laptop is available with smart phones that have internet browsing capabilities. The iPhone in particular helps folks to find quotes online quickly. <br /> <br /> With your iPhone, discovering quotes is convenient and many people take advantage of the ease of being on the internet while on the go. Acquiring automobile insurance before the introduction of the internet was very time consuming and in many instances would be a long, tedious procedure. Now, surfing the net on the iPhone or a smart phone is convenient, comfortable and efficiently saves time and money. A quick overview of companies that deliver auto insurance can be accessed by an internet search or by downloading an application that can be executed in your phone whenever you wish. The best thing about comparing the prices online is that it is relatively free for any user.<br /> <br /> Some apps will allow you see a side by side view of prices offered for auto insurance and will do a lot of the work for you. With any application or search for comparable rate, you will have to enter your information. The best thing about using an app is that you only have to enter your information once on one single automobile quote form. It will only take a few minutes to finish and you will have your quotes for insurance instantaneously.&nbsp; It is up to you, however, to decide on which company to opt. <br /> <br /> Once you have decided on an auto insurance company based on the various automobile insurance quotes online, the process of&nbsp; buying from your iPhone may take place in a matter of minutes. You can also manage or examine policy details like declaration pages, coverages, insurance ID cards, and other details from the company's websites by accessing them using your smart phone web browser. Access can happen any time of the day and any day of the week.&nbsp; Some online companies have their own applications made to their features to download by giving you a direct link to the website with their name and brand logo.<br /> <br /> It is up to the police officer to accept or reject your digital insurance ID card as a proof of insurance. But in some situations, a digital insurance idnetification card was presented and was accepted by law enforcement officers as a proof of insurance.<br /> <br /> Utilizing iPhone to online shop for insurance is still in its fledgling stage. The strategy is advancing at a high speed. To prosperous insurance companies this technology is one of the prospective technologies to boost their sales. To smart customers, this is an possibility to use time productively and save.<br /> <br /> #End<br /> <br /> Insurance Navy, a Chicago leader in&nbsp; <a href="http://www.insurancenavy.com">Chicago car insurance</a> quoting. Visit our blog for upto date information or get your&nbsp; <a href="http://www.insurancenavy.com">Chicago auto insurance quotes</a> &nbsp; in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 other carriers.urn:uuid:7919da65-58df-412f-8b31-9073928efd66Financial Responsibility&nbsp; insurance, otherwise called in Illinois as "SR22 Insurance" refers to the insurance coverage for individuals who had breached some traffic rules in the past.&nbsp; In the event that you received a demand from the State ...Fri, 04 Mar 2011 23:57:34 -0600<p>Financial Responsibility&nbsp; insurance, otherwise called in Illinois as "SR22 Insurance" refers to the insurance coverage for individuals who had breached some traffic rules in the past.&nbsp; In the event that you received a demand from the State that you must&nbsp; file an SR22 insurance certificate, you need to know, among other things, what you have to do, the specifications you need to prepare and the period of time you need to have the SR22 filed.<br /> <br /> There are numerous causes why one will be asked to do so by law to have SR22 Insurance, some of which are included below:</p> <ul> <li>When you are caught driving while intoxicated with alcohol or prohibited street drugs (DWI);</li> <li>DUIs, or driving an automobile while under influence of alcohol or banned street drugs;</li> <li>When you had a motor vehicle accident and you were not covered by an auto insurance, and a decision was issued against you without you satisfying the judgment;</li> <li>Getting too many tickets in a very short period of time (unsafe driver);</li> <li>Driving with a suspended or revoked license;</li> </ul> <p> If you committed any of the above violations of traffic law, it would trigger the suspension of your driving privileges, and an SR22 will be hence the necessity for financial responsibility.<br /> <br /> <strong>Do you need to have an SR22?</strong><br /> Only your secretary of state will tell you if and when you need or do not need SR22 filing. In Illinois, the Secretary of State will inform you, in writing, of your need to have an financial responsibility certificate filed.&nbsp; Also, the Secretary of State will advise you and let you know when you do not need an SR22. Once filed, the SR22 must be kept unless told otherwise by the Secretary of State that you do not need it. The notices must be in writing.<br /> <br /> <strong>What kind of insurance to file?</strong><br /> SR22 is just a regular auto insurance policy that must be reported and filed with the state, and that should not be canceled unless the state otherwise notifies you that you do not need the filing. When you are required to have SR22, you need to file a document demonstrating your financial responsibility.&nbsp; The certificate must be filed with the Department of Motor Vehicle or DMV.&nbsp; This filing will in effect get rid of the suspension of your license permitting you to operate a motor vehicle again, providing that you fulfilled all other conditions set forth by the State.</p> <p>If you already have insurance, and your current insurance company agrees to 'file' your insurance with the state, then you do not need to get extra insurance policy. You need only to notify your agent to have the company files your policy with the state. There could be additional fee for this transaction. Also, certain companies do not file SR22 certificates which means that you have to look for another alternative!<br /> <br /> In the State of Illinois, SR22 may consist one of the following certificates by the insurance company which shall be directly filed with the Secretary of State:<br /> <br /> * The most comprehensive and most expensive type is called the <span style="text-decoration: underline;">Operators/Owners Certificate</span>. This certification is issued covering any and all cars either owned or not owned by the operator. This is not a commonly used form, and is insurance companies will grant it mostly in connection with established entities.<br /> *&nbsp; The most common type is called <span style="text-decoration: underline;">Owner's Certificate</span>. The driver covered here is also the owner of the car. In other words, you own a vehicle, and you get liability insurance on that vehicle which must be listed on the policy, and ask your insurance company to file your policy with the Secretary of State as a Financial Responsibility Certificate.<br /> *The least expensive type is called the <span style="text-decoration: underline;">Operator's Certificate</span>. This is a&nbsp; document that you will use to prove that you are insured when you operate any particular auto with the expressed permission of the actual owner, in the case that you do not own the car you will be driving. Remember that the car itself ought to be insured as well. This type of insurance is referred to as Non-Owner SR22 Insurance. People who obtain this coverage are those who do not own any car but get this coverage to comply with the SR22 requirements. Operator's Certificate is the least expensive type of SR22 insurance.</p> <p>Operator's Certificate is also the most misunderstood form by people. Many people wrongly assume that because they have a non owner, SR22 policy then they can drive any vehicle. This is half of the truth. The other half is that the vehicle must also be insured! Else, you are breaking the law again of operating an uninsud vehicle!<br /> <br /> <strong>What is required to be filed?</strong><br /> It is required that you have an auto liability insurance coverage before you file for SR22.&nbsp; Your coverage should provide at least the minimum state required limits, which is:<br /> <br /> Bodily injury (BI) of $20,000 per individual;<br /> Bodily injury of $40,000 per automobile accident;<br /> Property damage (PD) per accident of $15,000;<br /> Uninsured motorist bodily injury (UM BI) per person of $20,000;<br /> Uninsured motorist bodily injury (UM BI) per accident of $40,000.<br /> <br /> In the case where insurance coverage is ended or it lapsed, then your insurance company will give a notice of this fact to the state. In that case the Secretary of State will re-suspend or revoke your license.<br /> <br /> <strong>Who will file the SR22</strong>?<br /> Neither you nor your insurance agent are authorized to file the SR22 with the state. You need to get proof of SR22 and have the<em><span style="text-decoration: underline;"> insurance company</span></em> file it directly with the state. A while ago the method of filing was manual and was done by regular mail, taking as long as a month or more for filing to complete. Nowadays, the process is automated and is accomplished by using the internet infrastructure. It takes about three business days between the time you purchase the insurance and the time it gets reported to the state.</p>urn:uuid:f004d7ab-ab9c-4aa8-b10d-c2283289cf8bShopping around for homeowner insurance policy can be a challenging task, besides the fact that it is tedious! It can be hard to know what type of questions to ask and what kind of answers to give, how much coverage you really need and how to know yo...Tue, 01 Mar 2011 01:40:26 -0600Shopping around for homeowner insurance policy can be a challenging task, besides the fact that it is tedious! It can be hard to know what type of questions to ask and what kind of answers to give, how much coverage you really need and how to know you are getting the best homeowners insurance rate for your particular needs. So where do you start? <br /> <br /> The internet has made many things much comfortable these days, so much easier that before and among them shopping for home insurance. The best place to start is online. A search will result in dozens of companies, both local and national companies. Most of them will have an online rating feature where you can get a quote at once by simply replying to a few questions. Other less known sites will not give you an immediate price. They just get your information and offer it to a licensed agent in the area who will call you to discuss this further. Both options are time savers indeed, and the author always favors face to face meetings before any quote or price is interpreted. You will want to follow up with some of the agents with a phone call and to meet with an agent personally. Meeting with your insurance representative will give you a feel for how the two of you will work together in the future. Your insurance representative is an essential part of your world; you will need assurances that they will be there for you when you need them most. <br /> <br /> <strong>Things that impact your insurance and the price of the insurance</strong>: Insurance carriers have things that they take into consideration when furnishing you a quote. They will want to know things like: <br /> <strong><br /> &bull;&nbsp;&nbsp;&nbsp;Distance from fire hydrant</strong>. Basically the distance is an indication of how fast a fire will be distinguished. It will take the fire department longer time if the fire hydrant is 2000 feet a way. Most companies consider 1,000 feet as an acceptable distance.<br /> &nbsp;<br /> <strong>&bull;&nbsp;&nbsp;&nbsp;Proximity to a fire station</strong>. Many insurance providers will not insure your house if the house is more than 5 miles from a fire station. This can be challenging to homes that are in unincorporated communities or remote areas. Some communities may need to 'borrow' a truck from a neighboring community when there is a fire. This can delay the process of extinguishing fire. <br /> <br /> <strong>&bull;&nbsp;&nbsp;&nbsp;Location</strong>: Location will establish certain chances of possible losses such as fire or theft. Each ZIP codes has certain information about losses of insurance companies when it comes to auto accidents, auto theft, home fire, burglaries, etc.<br /> <br /> <strong>&bull;&nbsp;&nbsp;&nbsp;Heat system:</strong> Some companies my rule out certain but not all coverages if you have a space heater. Each state has rules about certain guidelines followed by insurance companies.<br /> <br /> <strong>&bull;&nbsp;&nbsp;&nbsp;If you have fireplaces</strong> or not, and if so, what type.<br /> <br /> <strong>&bull;&nbsp;&nbsp;&nbsp;The security system</strong> must be central, meaning it must dial in to a central area which will call police in case of breach such as burglary or break in.<br /> <br /> These are just a few of the factors insurance companies will take into account when you get a free home insurance quote. Receiving a good home insurance policy doesn't need to cause you undue pressure, stress, or frustration. With a little homework on your part and a good insurance company as your partner, you can pinpoint the insurance policy that you need without paying too much and breaking the coffer. Finding the ideal agent is as important as finding the right home. Choose wisely and interview more agents before making your last&nbsp; decision. <br /> <br /> <strong>Standard Vs Nonstandard Insurers</strong><br /> <br /> Like auto insurance, the vast majority of home insurance companies will examine your credit score before they give you a homeowners insurance rate. If you have bad credit your price will be very high. Actually if you have a sever credit problem most companies will either give you a very high (prohibitive) price, or limit your policy to the structure of the house (without coverage on liability or personal property), or simply decline your coverage in cases of bankruptcy and multiple personal property losses! Companies will also check your name, to see if you made any property claims under any previous home/condo/ or apartment policy at any location in the USA. They will, further, analyze the location of your current residence to see if previous claims were made by you or any previous owners (all damages must be radically fixed before getting new insurance). If you have any situations with credit or claims, you are better off dealing with an independent insurance representative, and not a captive agent. Independent agents have more companies and choices to suit all the above situations.<br /> <br /> Edward Sneineh<br /> Charted Financial Consultanturn:uuid:346df33a-2984-4f62-b251-528bf4211592Some drivers will be classified as high risk if they break of traffic regulations and rules, or are new to driving, particularly young motorists, people over the age of 70 and people who newly get a license. Other high risk drivers are considered to ...Fri, 25 Feb 2011 15:19:39 -0600Some drivers will be classified as high risk if they break of traffic regulations and rules, or are new to driving, particularly young motorists, people over the age of 70 and people who newly get a license. Other high risk drivers are considered to have bad credit ratings, and those individuals who have a history of traffic tickets and DUIs. And very true, mediocre credit is a notice of high risk to most preferred insurance providers! High risk is tantamount to high insurance quotes for the same coverages . For those drivers, there are some factors to consider to lowering costs and preventing inflated prices in the future. <br /> <br /> The internet is one of the best places to find high risk coverage. Searching online gives you the opportunity to fill out forms for motor vehicle insurance quotes as well as comparing several companies at once.&nbsp; Insurance companies will assign a high-risk vehicle insurance label based on the driver and car. For people who obtain high risk insurance, there is always a great chance to find insurance to suit the needs of the driver at a reasonable rate. <br /> <br /> Many insurance companies that are less famous in the industry will focus on providing insurance for higher risk individuals, so check these companies online and find out the best coverage that is available. If you are unable to find high risk vehicle insurance rates, many states will have a risk program, called the pool, that will put you in touch with companies to insure high risk motorists. You can contact your state's Motor Vehicle Department to find information about auto insurance regulations. <br /> <br /> <strong>State Pools</strong><br /> <br /> In most states including Illinois you can Google "[your State] Automobile Insurance Plan] and you will be prompted with website where you can inquire furtaher about the State plan. In the state sponsored&nbsp; auto plans, all car insurance companies operating in the state will be obligated to pick a number of high risk individuals who are rejected by other insurance companies, or who were approved but at a premium that is higher than what the pool offers. Normally the prices offered by the pool are&nbsp; administered by the state. Anyone who can prove that they were rejected for coverage or over charged, can apply with the pool through a licensed agent.<br /> <br /> For more preventative measures to lower a high-risk insurance is to make an effort to clean up your driving record and also credit reports. Multiple speeding tickets or other traffic violations like DWI and DUI&rsquo;s hike up insurance rates so make an effort to slow down to avoid tickets in the long run and prove that you are attentive with driving. <br /> <br /> Notice in many situations that the State sponsored plans do not guarantee lower premiums or higher premiums. You really have to check with as many companies as you can before you request a quote.<br /> <br /> Cleaning your credit will reduce your price and get you better chances of getting much better coverage for same price. Try to remove any debt to enhance the credit score and make sure to pay on a continuous basis. Keep the auto insurance policy active.&nbsp; Another way to lower the rate for high risk insurance is to take defensive driving classes that can reduce the price of coverage as well as ultimately reducing the monthly or yearly payments.urn:uuid:74587e68-b10b-46de-8efe-4443cd95caaaby Ed Sneineh Many people refer to their insurance ID card as their auto insurance policy. Also, other individuals consider that the Policy Declaration Page is the actual policy. In these two scenarios and many other cases where people may mention ...Mon, 21 Feb 2011 00:45:06 -0600by Ed Sneineh<br /> <em></em><br /> <br /> Many people refer to their insurance ID card as their auto insurance policy. Also, other individuals consider that the Policy Declaration Page is the actual policy. In these two scenarios and many other cases where people may mention certain documents of their insurance contracts, the language they use is flawed. <br /> <br /> The actual auto policy consists of a number of written documents, printouts, and booklets that describe the people insured and what is covered, limits and conditions of coverage, exclusions and any other endorsements.<br /> <br /> <strong>Insurance Identification (ID) Card</strong>: This is a document that is used as a legal proof of insurance coverage on a particular vehicle. The Insurance ID Card is not the policy. The use of the ID card is to show to law enforcement as a legal proof of liability coverage on a particular vehicle The ID card must show effective and expiration dates, along with the Vehicle Identification Number of the vehicle. You do not have to have all names of operators listed on the ID card for the ID card to be correct. Also, the ID Card does not have to exhibit if the policy has elective coverages such as full coverage. <br /> <br /> <span style="text-decoration: underline;"><strong>POLICY DECLARATION</strong></span>: This is a one or 2 page documents that list certain elements such as: <br /> <br /> (1) Name and address of insurance company, <br /> (2) Name and address of agent,<br /> (3) Insured's name and address ,<br /> (4) Effective and expiration dates and time, <br /> (5) autos covered, <br /> (6) Coverage types, and <br /> (7) Insurance liability limits .<br /> <br /> Again, your declaration page is not your policy, but is part of it.<br /> <br /> One of the most important issues in the policy declaration is the type and limits of coverage. In the State of Illinois, there are certain minimum coverages and minimum limits that must be complied with. The following are coverage you might find on an Illinois auto insurance policy:<br /> <br /> <strong>Mandatory Coverages</strong><br /> A- <span style="text-decoration: underline;">Bodily Injury Liability</span>: This is a mandatory limit in Illinois. This coverage comes with minimum limit of $20,000 per person, $40,000 per accident.<br /> B-<span style="text-decoration: underline;"> Property Damage Coverage</span>: Another mandatory coverage in the State of Illinois with minimum limits of $15,000 per car.<br /> C. <span style="text-decoration: underline;">Uninsured Motorist Bodily Injury</span>: Also mandatory in Illinois and it provides insurance coverage for the bodily injury of insured person in the event the insured is struck by someone who turned out to be legally uninsured. The least amounts of coverage in the State&nbsp; of Illinois are $20,000 per person, $40,000 per accident.<br /> <br /> <strong>Coverages That Are Not Subject To Mandatory Insurance</strong><br /> <span style="text-decoration: underline;">Underinsured Motorist Bodily Injury</span>. This is an optional coverage in the State of Illinois and insurance companies do not have to present this coverage unless policy limits are given beyond minimum state limits. In this case the client may decline this coverage, but in writing.<br /> <span style="text-decoration: underline;">Uninsured Motorist Property Damage</span>: If car is struck by someone who is legally uninsured, this coverage will kick in and fix the car. This coverage is inexpensive and has no value if you purchase comp and collision.<br /> <span style="text-decoration: underline;">Medical Payments to Others</span>. This coverage gives protection for medical and funeral expenses of the insured folks in the event they get involved in an vehicle crash. The coverage amount varies from none to $5,000 with nonstandard car insurers, and is offered up to $25,000 with certain preferred vehicle insurance companies.<br /> <span style="text-decoration: underline;">Personal Injury Protection</span>: Optional in Illinois but is compulsory in states that follow the no fault liability system. It provides payments for burial and medical expenses up to the limit of the policy in any event of car related accident, regardless of fault (similar to medical payment.)<br /> Comprehensive &amp; Collision: Although optional, this vehicle is needed if you have a loan on the insured car. It delivers protection in case of a loss to your car because of crashes, theft, water damage, fire, etc.<br /> <span style="text-decoration: underline;">Towing Coverage</span>: Provides for car towing expense in case your vehicle got into a covered loss (maintenance related problems are no covered items.)<br /> <span style="text-decoration: underline;">Rental Car Coverage</span>: Delivers limited amount of payment (ie $25 per day) for substitute transportation, for a specific number of days(ie 20 days) in the event you suffer a covered loss to your car.<br /> <span style="text-decoration: underline;">Special Equipment Coverage</span>: Optional in Illinois. It provides coverages for the extra additions that you put in your vehicles (conversions, rims, TVs, etc.)<br /> <span style="text-decoration: underline;">GAP Insurance</span>: Optional in Illinois. It provides payments for the difference of what the company pays and the amount of outstanding loan on the vehicle (the gap) in the event of total loss.<br /> <br /> <span style="text-decoration: underline;"><strong>POLICY TERMS AND CONDITIONS</strong></span>: This section lists the definitions and provisions of your policy, your duties and responsibilities and the duties and responsibility of the insurance company. This is one of the most important parts that you need to read in order to get the best use of your policy.<br /> <br /> <span style="text-decoration: underline;"><strong>EXCLUSIONS:</strong></span> This section will list things and scenarios that there will be no coverage under your policy. Reading this aspect very well will help you refrain from lots of heartache when filing a claim in the future.<br /> <br /> #<br /> <br /> Ed Sneineh, Chicago Auto Insurance Agent since 1989, former college educator of insurance, &amp; founder of Chicago based Insurance Navy, a leader in providing affordable&nbsp;<a href="http://www.insurancenavy.com"> automotive insurance</a>.&nbsp;urn:uuid:6734c156-a12e-4c6b-9a3a-1239b10548faAsk For Too Much Auto Insurance Discount and You May Be Breaking The Law! by Ed Sneineh &nbsp;This article list summary of the possible discounts available for consumers shopping for automobile insurance. The article is also about certain discounts...Sun, 20 Feb 2011 04:15:55 -0600<h1>Ask For Too Much Auto Insurance Discount and You May Be Breaking The Law!</h1> <br /> by Ed Sneineh<br /> <br /> &nbsp;This article list summary of the possible discounts available for consumers shopping for automobile insurance. The article is also about certain discounts that auto insurance people must not be asked for.Because insurance laws vary from state to another, any issues here is specific to the auto insurance in the State of Illinois.<br /> <br /> <strong>Legal Discounts Vs Illegal Rebates.</strong> Insurance agents are strictly banned using rebating in their business dealing.<br /> <br /> Rebating takes place when the agent, not the insurance company, gives back some or any valuable share of his/ her commission to the customers to 'induce' them to purchase insurance. For examples, when an insurance agent provides a $25.00 gift certificate for buyers who buys car insurance policy from him or her, then this is rebating, and is strictly illegal. If the agent offers&nbsp; a $5 lunch card for people getting a car quote, or a nice pen for home quote then this is not rebate no purchase necessary. Any materialistic amount given to the buyers in return of them buying a policy is always rebate. An insurance agent and a purchaser (if s/he knows) are breaking the law if they are committing rebating.<br /> <br /> If the main office of the insurance carrier provides a portion of the premium to the client (ie. rewarding customer for good management style, etc.) then this is not a rebate. In many instances this is called Discounts. Neither the client Actually discounting is a common practice in situations with intense competition.<br /> <br /> <br /> In large metropolitan areas like Salt Lake City or Chicago, competition between car insurance companies is intense. There are hundreds of insurance companies and thousands of agents and insurance agencies who are competing against each others. Customers should never ask for or accept offers of 'discounts' beyond what the main office of the auto insurance company presents.<br /> <br /> Possible Discounts for Clients of Auto Insurance Companies in Chicago, Illinois<br /> <br /> <ul> <li>&nbsp; Prior insurance discount. Companies may give you about 10%, more or less, if you had prior insurance, continuously for a minimum of 6 months. Depending on the insurance company, your prior policy must not have lapsed more than thirty days ago. The longer you had your insurance, the higher the discount rate. You need to show a proof that you had the car insurance. Statements made by your agent or temporary documents are not good enough. The proof has to be in the form of valid insurance ID card made by the prior company, not agency, itself, or a declaration page of your policy.</li> <li>&nbsp; Multi car discount. If you insure more than one vehicle you get a 5% to 10% discount. Remember that you cannot insure your next door neighbor, or fellow worker, under your policy. The named insured on the policy has to have 'insurable interest' in the auto we are insuring.</li> <li>&nbsp; Discounts for being a homeowner. Owning a condo or a home may qualify you for a discount. Companies normally ask you for a proof (mortgage payment or home insurance policy) as evidence of ownership of a residence. So if you own a house but the mortgage is under the name of your son in law, you may not qualify you for this discount.</li> <li>&nbsp; Multi policy accounts discount. Taking another policy besides the car insurance policy may permit you to get a mutli account discount. Example, if you buy a life policy or condo insurance policy with the same company you may qualify for a discount on your car insurance policy. Certain insurers provide deep discount on these home and auto packages.</li> <li>&nbsp; Part time driver discount. This discount is normally sought for young operators (under age 25) in situations when the number of adult drivers is equal to or more than the number of cars covered. Some companies will allow a 'part time' status for the youthful operators in those situations, and a discount is applies.</li> <li> Discounts for good grades. This discount is available with standard and preferred companies for insured students who maintain high GPA their school. The discount is about 5% of the liability premium of the vehicle that is assigned to that specific good student driver.</li> <li>&nbsp; Discount for having security system. This is a small discount of about 5% on the premium of the comprehensive only (not liability or collision premium). Most companies give this discount automatically because most vehicles come with a security alarm anyways. </li> <li> Other miscellaneous discounts like as antilock brake system, air bags, etc. Most of these are negligible discounts and most rating systems already embrace them in the final premium. </li> </ul> _End_<br /> <br /> Ed Sneineh, Charted Life Underwriter, former college educator of insurance, &amp; founder of Chicago based Insurance Navy, a leader in providing affordable insurance prices. Visit us and get your price 5 minutes or less from over 20 insurers like AAA, Travelers, Progressive, Hartford.urn:uuid:532baf3c-6987-4a86-bf29-9a0207ef8035by Ed Sneineh &nbsp; Car insurance policies should be carefully read, examined and compared before you finally pick your choice. Invest your time in learning more before you decide and save money. Your learning will be a big investment for your finan...Fri, 18 Feb 2011 23:50:30 -0600<p>by Ed Sneineh<br /> &nbsp;<br /> Car insurance policies should be carefully read, examined and compared before you finally pick your choice. Invest your time in learning more before you decide and save money. Your learning will be a big investment for your financing.</p> <p><strong>Laws and rules of your community.</strong><br /> You do not have to be a legal practitioner or an insurance broker to know You may not be keen on pursuing an occupation in the field of law or you do not intend to be an auto insurance representative the essential guidelines that influence your car insurance policy. Be sure to get familiar with the rules that are applicable to the state you live in because we all know that insurance guidelines are jurisdictional, which means that, what can be applied to a specific state may not be the same as those used in another state. To learn more about the rules, visit the website of the National Association of Insurance Commissioners naic.org/state_web_map.htm and look at the rules of your own state.</p> <p><strong>Three primary things that you have to note when researching about rules affecting auto insurance policies:</strong></p> <p>1. People and vehicles we are covering.<br /> 2. Limits of coverage in case of loss.<br /> 3. Know how to request and enjoy your claims. For example if you lost your car due to a peril not insured against, then you record will be marked with a loss 'claim' experience. This advices you not to file claims unless you have the proper coverage for it, because they will count on your record, even with a zero pay off. </p> <p>Be sure to read your policy and request things to be discussed if you are not sure of them. The insurance ID card is not your auto policy. The Declaration Page is not your car policy either. Your policy is the small booklet that attached with the initial package you received when you first purchased your auto policy.</p> <p>Learn about the exact coverages and benefits that your policy entails. Insurance companies rely on facts, not possibilities of what might have happened when they pay claims. Insurers are very good at marketing their products but they are equally good at identifying a legal way out to escape liability when you incur a loss that needs to be paid. </p> <p>Important things that you have to note are the requirements before you can file your claim and the period given for you to file the claim. You might lose your claim simply because it was filed out of time.</p> <p><strong>Know as many options as you can</strong><br /> Auto insurance policies may appear the same to you but they are not. Find the time to read on the conditions of each policy and compare the benefits. This may sound tedious, correct? It's true. Studying an insurance policy, especially with the fine prints and overlapping explanations may be boring, but you need to get comfortable with it, maybe once in a while. Reading your policies is good for your financial health. The one or two hours that you need to read a policy may save you thousands of dollars. There is no doubt that the biggest discount on auto insurance is the one that you get by reading the policy. In any case, reading your policy will make you sound like an expert among the mass majority of people who do not read their car policies. </p> <p>Aside from the price that you have to pay for the premium, consider the credibility and stability of the company. For sure, certain companies may offer you lower premiums but what if at the time that you file your claim, the company is already filing for insolvency proceedings? Some carriers may lower premiums to get more customers, and thus cash, when they are in financial turmoil, and to; unfortunately, be in further trouble later.</p> <p><strong>Most important factors affecting your premiums</strong><br /> Credit Score: Good credit score will lower your premium. Insurers give quotes in consideration of several factors such as your credit score. Not all companies check credits and you may have to check only companies that do not check credits if you have credit issues.</p> <p>The model and type of your car: The performance, engine size, body build, along with the value of your vehicle are the main determinants for premiums. Before buying a car, research on the car's safety rating. In addition, have a current data on what cars are prone to be car napped. </p> <p><strong>Learn more about full coverage</strong><br /> Be advised that your thousands of dollars of accessories in TVs, rims, and sound/video systems are not covered under the regular auto policy. The policy needs to be endorsed for these extras and you need to pay extra money. You insurance company assumes that, at the time you got full coverage policy, your vehicle has not been altered, therefore, value of the vehicle is determined without extras. Check with your agent to see if full coverage is for your old vehicle or not, and what are the benefits that you can get if you lose your car. <br /> ***</p>urn:uuid:1fecd33e-e2cd-4153-b2a3-784077522eb3&nbsp;What is high risk&nbsp;car&nbsp;insurance? Typically high risk insurance refers to coverages that provide insurance protection for impaired risks, or risks that are under the acceptable standards set by the most preferred insurers in that field...Thu, 17 Feb 2011 01:21:59 -0600<p>&nbsp;What is high risk&nbsp;car&nbsp;insurance? Typically high risk insurance refers to coverages that provide insurance protection for impaired risks, or risks that are under the acceptable standards set by the most preferred insurers in that field. For instance, in health insurance someone who is diabetic is a impaired risk, and insurance policies covering them are called high risk insurance policies. In the car insurance business, one who does not fit the underwriting regulations set by the "standard or preferred companies" is defined as high risk. A building that is left vacant because of water damage is also classified as high risk. </p> <p>&nbsp;</p> <p>In the car insurance business, high risk operators refer to individuals who are not "preferred risk." Preferred risk is normally set by preferred companies. To understand what high risk is about, it might be a good idea to define the preferred risk ,first.</p> <p>A preferred risk in the car insurance is a person who scores high on the following factors:&nbsp; A high score homeowner with a family style life in a low risk neighborhood, with multiple cars and clear driving record. The higher you score on these factors, the more preferred you are! Scoring low on the above factors means that the person is classified as high risk in the car insurance business.</p> <p>If an individual has a less than perfect driving record, they may believe that they need to go into the 'high risk pool.' That is not always true, however. Here are a few factors to determine if you need one of the available high risk auto insurance policies available today.</p> <p><strong>Characteristics of High Risk Auto Insurance:</strong></p> <ul> <li>Premium is not credit score decided. </li> <li>The limits of liability is too low.</li> <li>Although dubbed 'low cost' insurance, the premium is higher per unit of liability coverage or value of insured vehicle.</li> <li>Customer services and claims are not handled with the same spirit as in preferred situations.</li> </ul> <p><strong>People Who Need High Risk<br /> <br /> </strong>Typically the only times where a professional insurance agent should suggest high risk policies are the following:</p> <p>a. When the client does not fit any criterion of preferred or standard companies to the point where he is ineligible for their auto insurance policies. This includes people with DUI or excessive number of tickets and accidents.<br /> b. If purchasing an auto policy with the standard market becomes very cost prohibitive where the client will be driving without insurance as a result. Typical examples of people who belong to this category are people youthful drivers (under age 24) or old drivers (over 70 years) who live on limited budget, but their insurance is too high because of their age. Also, unemployed people with no money may fit here.<br /> c. In some instances where the drivers have international licenses, or foreign licenses such as Mexico license, high risk may be the only solution, as standard and preferred companies will not insure those risks.</p> <p><strong>Who Should Never Purchase High Risk Policy?<br /> </strong>Typically, wealthy people who can afford high protection or high liability policies with preferred companies should never purchase the low liability, high risk policy. Insurance cost should be only one factor, and not the main one. Bear in mind that insurance is to protect wealth, assets and income. So if you have larger wealth, or larger assets, or have big income; or you are expected to belong to these classes in the near future, then you surely do not want to get low cost, high risk insurance.</p> <p>It is good to remember that high risk insurance policies should be a short-term situation. Constantly look for other preferred or standard policies that fit your changing needs and budget. Here, it is good to recite what most financial planners lecture: Failing to plan is planing to fail in life!<br /> %%<br /> <br /> Ed Sneineh, Chicago Auto Insurance Agent since 1989.</p>urn:uuid:cb45ad30-a4e2-4e7b-9679-c83525d4ce4aby Ed Sneineh, ChFC 'First Party' coverage in car insurance is related to the coverages which the policy offers to the individual insured, as opposed to 'third party' or other people. Two of the most essential components of car insurance coverage ar...Tue, 15 Feb 2011 22:11:40 -0600by Ed Sneineh, <em>ChFC</em><br /> <br /> <em>'First Party'</em> coverage in car insurance is related to the coverages which the policy offers to the individual insured, as opposed to 'third party' or other people. Two of the most essential components of car insurance coverage are Medical Payments (Med Pay) and Personal Injury Protection (PIP). The type of insurance coverage elected&nbsp; will fluctuate depending on what is requested in and by the individual state. It is very necessary to realize these two very different kinds of insurance coverage and how it will affect any potential car insurance claims.<br /> <br /> Both Medial Payments Coverage and Personal Injury Protection are considered 'first party coverage.' This means that it applies to the named insured or member of the insured's household, the passengers of the insured and certain others on occasion.<br /> <br /> <strong>Understanding Medical Payments (Med Pay)</strong><br /> <br /> Medical Payments Coverage is required in some states that do not have 'No Fault' laws in place. Med Pay Coverage will pay for reasonable medical and burial&nbsp; expenses caused by bodily injury or death that is caused by an car accident. <br /> <br /> The limit of liability for Med Pay Coverage is stated in a car insurance policy declaration page. There is a limit on medical payment coverage. This is the limit per qualified injury related to the accident. Ultimately, Med Pay Coverage will allow for the injured party to receive medical treatment and not worry about the costs associated with that treatment.&nbsp; The most normal limits on Medical Pay are $1,000 to $5,000 per person, although a limit of $25,000 is obtainable with some companies, normally preferred companies. Certain non standard companies have at most $1,000 per person! Normally, <a href="http://www.insurancenavy.com/framed.aspx?ref=100">comparing auto insurance quotes</a> are ones that are associated with low liability and medical payment limits.<br /> <br /> <strong>Understanding Personal Injury Protection (PIP)<br /> </strong><br /> Which party is to blame for paying for bodily injury when there is an automobile accident? You, or the other driver?&nbsp; In states that follow the "tort liability" system, the individual that caused the damage is the one that is held&nbsp; legally responsible for paying all the damages. What about if you were, in some way partially responsible for an accident, who will pay for your bodily injury? To exclude the practice of the driver regarded not to have induced an accident having to sue the other operator's insurance company to pay for damages, PIP policy was 'created' to handle that issue. States that adopt PIP policy are called the "no fault" states. Fifteen states besides the District of Columbia make it compulsory to follow the 'no fault' system, hence requiring auto insurance policies to include the Personal Injury Protection or PIP. These states are: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah.<br /> <br /> Illinois is one of the states that still offer the traditional "tort liability" systems in which there are no boundaries on car related law suits.&nbsp; To get paid for your bodily injury you must sue someone, and you may win based on the realities that your&nbsp; opponents were negligently irresponsible and brought on your bodily injury that specifically caused your injury, loss, and suffering. That is why medical payment is even more important in Illinois: You do not have to sue any one to take it. Keep in mind that the fact that Illinois, or any similar state, is not an 'at fault' state, it does not preclude automobile insurance companies to amend their policies to include the PIP. But with the intense competition among car insurance companies, only few give the choice to have the PIP amendment, at extra higher price, of course.<br /> <br /> <strong>Limits and Coverages:</strong>&nbsp; Even though PIP minimum coverage limits are different between participating states, they are similar in that the benefits usually cover most injury-related expenses including: medical expenses, lost income as a result of injuries, compensation for loss of services, funeral expenses, and death benefits. The PIP can also cover bills associated with certain psychiatric assistance in connection with bodily injury, physical or occupational therapy and any rehabilitation expenses associated with auto insurance claims.<br /> <br /> Generally, damages such as pain and suffering, and emotional distress and inconvenience are not covered by no-fault insurance coverage. Also, PIP does not provide any protection for any injury attributable to <a href="http://www.insurancenavy.com/">work related car accidents</a>.<br /> <br /> Finally, if you live in a 'no fault' state, there is one reason to not purchase both Med Pay and PIP insurance. There is a duplication in coverage. This is because PIP insurance provides more coverage in case there is a need to file medical claims related to an auto accident,&nbsp; irrespective of fault. <br /> <br /> PIP Deductible: Most people in 'no fault' states are used to the PIP policy with no deductibles, although there are many companies offering PIP with deductible. <br /> <br /> #<br /> <br /> Ed Sneineh, Financial services professional for over 20 years.urn:uuid:2ca5b443-f0e7-4790-8b1e-44d30d5d2056Cheapest Car Insurance Quotes in Chicago. How to Find them? by Ed Sneineh, This essay evaluates some of the easiest methods to find auto insurance quotes. It targets specific resources like web searches, carrier websites, and independent quote pro...Fri, 11 Feb 2011 12:32:41 -0600<h1>Cheapest Car Insurance Quotes in Chicago. How to Find them?</h1> <br /> by Ed Sneineh, <br /> <br /> This essay evaluates some of the easiest methods to find auto insurance quotes. It targets specific resources like web searches, carrier websites, and independent quote provider sites to find this information. Readers will be able to quickly access and identify quotes for auto insurance needs.<br /> <br /> Technology has made finding auto insurance quotes much more practical. Years ago there were only few options to get these quotes. Visiting with your car insurance representative in his/ her workplace or your place was one difficult way. Phone calls to insurers or&nbsp; insurance agents were the most popular ways of gathering three or four quotes. In our time, however, the world of the internet has made this job an easy process to achieve. Within a few moments it is a great possibility to find a large number of great quotes for your insurance needs.<br /> <br /> It is important to take certain issues into focus as you look for your auto insurance. The type of car will often make a difference in the type of policy you are able to find. The car year, make and model are all elements of these considerations. Other components also factor into this process.<br /> <br /> If there are various drivers on your policy, the cost and coverage offerings will be affected. Young drivers are typically more costly to insure. All of this will be factored into your search for the appropriate insurance carrier. Finding quotes for your needs is the best way to make this decision. Here are some of the simple methods of finding quotes: <br /> <br /> <strong>1 - Web Searches</strong><br /> <br /> The www has become an effective way to make business. There are many types of insurance businesses, including auto insurance companies online. A simple Google, Yahoo or Bing search can provide you with access to quote information. Certain search engines return quote access along with carrier rates.<br /> <br /> <strong>2 - Insurance Companies Websites</strong><br /> <br /> As you start your search for automobile insurance companies, you will discover a wide number of insurance companies. Every carrier has its own internet website for potential customers to visit and get auto insurance quotes. You can visit individual websites to find quotes for car insurance. This can be a time consuming method of locating your quotes.<br /> <br /> <strong>3 - Quote Provider Sites</strong><br /> <br /> There are many insurance quote provider sites accessible on the web today. These sites can be for independent insurance agencies with real physical locations in specific geographical area such as Chicago, or internet-based insurance brokerage houses that exist only in the contemplation of the world wide web. While both types have to be adequately licensed by your state to give you the quote and sell you the insurance policy, the second type lacks the 'personal service touch.' Here consumers will be able to get <a href="http://www.insurancenavy.com">compare cheapest auto insurance quotes</a> from several different carriers. This is a one-stop type of website to find the correct&nbsp;&nbsp; auto insurance policy for your precise needs. Working with these sites save customers time, by providing information on numerous insurance carriers in one central location.<br /> <br /> <strong>Before You Decide</strong><br /> <br /> Search for certain opinions of the company and the agency you trying to do business with. Again the internet is full of information, testimonials, and comments about merchants and insurance brokers. If you live in large metropolitan area such as Boston or Chicago, there are many brokers providing these pricing services online and they have physical locations on the ground. For example, there are more than 2,000 physical addresses for insurance agencies in Chicago. Most of these Chicago insurance companies do have websites (to get get comparable auto insurance quotes from, and physical sites. Once you decide to buy, pay them a visit. Visiting your agent will give you information that you cannot get from the information super highway.<br /> #urn:uuid:aac3ac17-b44b-4a7f-9164-da02e9257b71How to Save on Your Car&nbsp; Insurance&nbsp; Premium Payments by Ed Sneineh This article focuses on cheap auto insurance and methods to cut down these charges. It looks specifically at eliminating old autos, moving up the policy deductibles, and ...Fri, 11 Feb 2011 00:21:25 -0600<h1>How to Save on Your Car&nbsp; Insurance&nbsp; Premium Payments</h1> <br /> by Ed Sneineh<br /> <br /> <br /> This article focuses on cheap auto insurance and methods to cut down these charges. It looks specifically at eliminating old autos, moving up the policy deductibles, and accessing carrier discounts. Readers must be able to uncover practical alternatives to reduce their aut insurance expenses.<br /> <br /> Many people around the country are shopping for useful ways to slash costs in a number of areas. With the recession in the current economy, it is important for many people to reduce their expenditure. Certain expenditures, such as auto insurance are vital to daily life. Although they are essential to function in society as drivers, there are certain efficient ways to cut down these expenditures.<br /> <br /> Finding the right carrier is one of the ways that you can&nbsp; reduce your auto insurance expenditure. A number of online sites may aid those browsing for car insurance. You will uncover a vast selection of carriers to select from. This is a great advantage as it relates to choice and saving money. Applying specific ways can help you to save even more money. <br /> <br /> Low cost car insurance doesn't give highly regarded coverage. What it does offer consumers is insurance policy that is budget friendly. There are many things that individual customers can do to make their insurance cheaper on a monthly basis. Often these are simple and beneficial methods to consider. Let's take a look at ways to find more affordable car insurance by cutting expenses.<br /> <strong><br /> 1 - Delete old vehicles covered on the policy</strong><br /> <br /> Lots of people have older vehicles that are essentially collectors' items. These are vehicles that are not driven or are inoperable. Continuing regular auto insurance on these autos is not a pocket conscious idea. Deleting regular insurance on these cars can offer you with the inexpensive cars insurance that you want. Be sure to remember that insurance is the law in almost all states, so you ought to always maintain liability insurance on any owned vehicle, even if inoperable. (collectibles and show autos have significantly lower liability rates than regularly used cars.)<br /> <strong><br /> 2 - Increase policy deductibles</strong><br /> <br /> Deductibles are always concerns for customers to fight over. Many think that low deductibles will pay off over time if an accident happens. Most insurance carriers, however, say that this is a good way to decrease monthly costs. The policy monthly payments will fall if deductible amounts are boosted.<br /> <br /> <strong>3 - Ask for carrier discounts</strong><br /> <br /> Before deciding on an insurance policy, it is crucial to inspect the possibility of discounts with your insurance representative.&nbsp; In many cases, there are discounts and credits related to the details of your specific situation. Possible credits may include: Security systems, anti-lock brakes, good student discounts, prior insurance discounts, multi account discount when you have more than one account (ie life, home, condo) with same insurance company, not automatically the agent; home discount or a credit for just being an owner of a house or a condo; and other details may provide you with credits for cheap auto insurance.<br /> <br /> Living in a large metro area such as Los Angeles or Chicago can be used in your favor or against you. In Chicago, for instance, the premium of auto insurance is much higher than the neighboring suburbs, perhaps 30% - 60% higher, on the average. However the awesome thing about Chicago is that there are many Chicago auto insurance companies that are competing to win your insurance business. Intelligent consumers will always have a better bargain in Chicago. <br /> ##<br /> <br /> Ed Sneineh,urn:uuid:95e26f8a-567f-4dfc-8883-c2191af875e2Car Insurance Rates Chicago- Sex Influence on Insurance Rates In preceding essays we illustrated the effect of age and marital status on the overall insurance rates of products presented to people, primarily those in the Chicago area. The author argu...Wed, 09 Feb 2011 21:18:04 -0600<h1>Car Insurance Rates Chicago- Sex Influence on Insurance Rates</h1> In preceding essays we illustrated the effect of age and marital status on the overall insurance rates of products presented to people, primarily those in the Chicago area. The author argued that the Chicago area has some dissimilarities from the general population when it comes to the sets of community profiles that are relevant to the insurance field.<br /> <br /> Gender in Life Insurance: There is plenty of national facts &amp; studies in the insurance literature&nbsp; which specifically indicates that females outlive males by about seven years. Moreover, the mortality rates among young males are&nbsp;&nbsp; higher than women. The conclusion of these mortality disparities is significant lower life insurance 'costs' for women. See that we used the phrase 'cost' and not 'premium'. In universal life and whole life contracts, insurance companies charge extra premiums (not extra cost) which is basically the same&nbsp; amount for females and males as a "investment" component, not as cost of insurance. As a result, the rate difference between women and men is more distinct in term insurance contracts.<br /> <br /> There are no premium differences between women and men amongst the Chicago population and suburban population when it comes to life insurance contracts, or products that use mortality rates such as fixed or variable annuities.<br /> <br /> Sex in Health Insurance:&nbsp; Once again there are&nbsp; extensive researches that suggest that morbidity rates among women are much higher than their males counterparts during the beginning states of life. After that the percentages become comparable to males in mid age stages, eventually morbidity ratios start to go lower compared to males in the later stages of life. Morbidity ratio is identified as the percent of sick to healthy Individuals in the population. These differences in the morbidity ratios are mirrored with the same importance in the rates charged by the insurance company from customers.<br /> <br /> Most people are unaware that most leading insurance companies have imposed excess charges on the citizens of the City of Chicago for health insurance products. City of Chicago health insurance rates are typically 10% to 25% greater than their suburban equivalents. Insurance companies claim that the additional charges are due to the more expensive cost of health care services in the City of Chicago.<br /> <br /> Sex in Automobile Insurance: Influence of sex variance on insurance premiums is more prominent in the automobile insurance sector. Females spend less than men for the same products, roughly 25% to 40% less for ages beneath 25 years, depending on the precise age. The difference starts to fade away after age 25 years.<br /> <br /> Chicago auto insurance rates for females are higher than their surrounding suburbs' equivalents because of the fact that the Illinois automobile insurance rates are calculated by location.<br /> <br /> Unisex Rates in Insurance: A number of insurance companies ignore gender as a selective issue when dealing with business or group insurance (health, life or auto,) and instead they use Unisex Rates- same price for men or women. Some states including Massachusetts tried to impose certain decision about the use of unisex rates. In the opinion of the author, unisex rates may just push the cost of insurance up. While women pay more for certain insurance services, they pay smaller for others. It makes no sense to invest so much in abolishing the current pricing methods and try to invent new ones and then have the consumers assume the expense of this change when there is no substantial evidence that unisex quoting processes will ever save us any bucks.<br /> #<br /> <br /> Ed Sneineh, Visit our website and get your <a name="SR22 Car insurance quotes Illinois">automotive insurance quotes Illinois</a> in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, &amp; many more.urn:uuid:700fb3a1-d29e-45a0-9af3-6fe5148c8670 The insurance place is one of the very few places where your age can be used to distinguish between citizens when it comes to their age. Insurers assess different charges for different citizens depending on their age. If you are a 16 year person and...Tue, 08 Feb 2011 00:29:08 -0600<br /> The insurance place is one of the very few places where your age can be used to distinguish between citizens when it comes to their age. Insurers assess different charges for different citizens depending on their age. If you are a 16 year person and you think that you are going to be getting a greater premium than your 22 year old brother because you are better disciplined than him or her then you are making an incorrect analysis.<br /> <br /> Insurance carriers assess their insurance prices according to 'brackets' or classes of people grouped together with certain universal properties. These categories could be different based on particular values like age, marital status, gender, community, credit worthiness etc. This article is constricted in its extent to the age&nbsp; aspect.<br /> <br /> Young Drivers Groups:<br /> Underneath Age 18: This is the age category where insurance price is the at record high. customers in this age group pay as much as 175% to 250% greater than mature operators. Since no one beneath age 18 will possess a CDL, any operator under the age of 18 using an auto that has business coverage may be risking rejection of coverage in the instance of an insurance claim.<br /> <br /> Age 18 to 20: Individuals are still classified as young operators, and they still need to pay bigger premiums than mature drivers, although their prices are much less than the previous group. At age 18 individuals can obtain their CDL. Most insurance companies that could give consideration to them will not even look at there insurance submission for policies that include interstate setup coverage. Companies that authorize them to be on a commercial policy will set their coverage to intrastate operations.<br /> <br /> Age 21 years to 24 years: This is the final bracket in the categorization of youth operators. Insurance rates for private insurance begin to cool with most insurance companies, in comparison with premiums presented to mature operators. At age 21 years the majority commercial insurance companies start to accept business auto insurance applicants with interstate exposure. All companies will add substantial premium extra charge for commercial operators under age 21 years, and some insurance companies may mandate a specific period of experience like 12 to 24 months of experience to look at them for insurance coverage.<br /> <br /> Mature Drivers:<br /> Age 25 years to 69 years: The majority of insurance companies apply similar premiums for this age bracket, although a small number of insurance carriers begin to charge little raise in their rates just after age 60 years. Age does not seem to be important factor for this bracket.<br /> <br /> Old Operators:<br /> Above Age 70 Years: Unfortunately insurance is where senior citizens get a surcharge, not a discount! There are significant studies made by insurance carriers and the National Highway Traffic&nbsp; Safety Administration- NHTSA www.nhtsa.gov which suggest that people over age 70 years start to lead to more auto accidents. For that reason, insurance companies take specified steps to implement the right rate with the most suitable medical reports from them. Most commercial polices do not cover drivers above age 71 or 72 years. On the personal insurance level, the bulk of companies halt allowing new polices for persons over 76 years of age, and other companies make the insurance rate very outlandish.<br /> <br /> What else can be done to scale down the influence of age on premiums? There is not many things that you can do. Youth drivers and older operators are creating more highway accidents, relatively speaking, and they need to simply pay the price for that. Several insurance companies permit good student discounts for young student operators, and other companies may accept part time driver status on their policy. For older drivers, making certain that you have the accurate medical statement that confirms the physical and mental functionality of the old person to operate the vehicle is wanted to give to your insurance company. The lack of that statement to be provided in timely manner may end in ceasing the policy which might be very difficult to replace with a whole new company at a later stage.<br /> ##<br /> <br /> Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of InsuranceNavy.urn:uuid:14d226ea-f6ba-4287-b489-7b09efa5438bby Ed Sneineh It is amazing how much literature has been written about the car insurance business online. The main approach in use by the bulk of the writings is in the direction of selling car insurance, rather than offer it in the proper context o...Sun, 06 Feb 2011 19:56:23 -0600<p>by Ed Sneineh<br /> <em></em><br /> It is amazing how much literature has been written about the car insurance business online. The main approach in use by the bulk of the writings is in the direction of selling car insurance, rather than offer it in the proper context of insurance product or 'a product to protect your assets and wealth.' That is why when searching for the phrase 'auto insurance' a large number of websites emerge with the 'selling' phrases like affordable auto insurance, or cheap auto insurance or low cost auto insurance.</p> <p>In the early part of 2011 and according to Google AdWords there were&nbsp; 8,100;&nbsp; 74,000;&nbsp; 9,900 monthly searches for the above key phrases, respectively. On the other hand, there were only 110 searches for the phrase 'reliable auto insurance', 170 searches for 'quality auto insurance', and 8,100 for 'top auto insurance companies.' It is rather easy to conclude that most of the searches on line are about price, not quality of insurance.</p> A basic principle in marketing is to understand what people 'want' and design and package your product or service to meet what the folks want. Looking at those numbers we can tell that most people want cheap auto insurance. As a marketer, if you design any campaign without considering that analysis you may eventually flunk the marketing tests, close your website and go do something else. <p>So what's the difference between auto insurance polices? &nbsp;From a 'financial planning viewpoint' car insurance comparison should never be based on price only, and perhaps most people agree that cheap insurance is not necessarily the best car insurance. But what most people do not know is that an insurance policy with the best rated company may also be one of the most problematic contract. An auto insurance policy should be compared in reference with three factors:</p> <p>I. Price: of course the cheaper the better.</p> <p>II. Company Rating: Non standard companies are more flexible than their standard or preferred counterparts with regard to past violations found on the MVR activities of the drivers and the credit score of the car insurance applicants. However, non standard companies are harsher than others in customer service and paying claims. Most of complains come from non standard insurance companies. While preferred companies do not hesitate to quickly pay for smaller claims suck as seven or eight thousand dollars claim, or even little more; all companies from top to bottom will try to examine the application to see if they have to or do not have to pay a $100,000 claim.</p> <p>III. Liability Limits. This is the most ignored, least understood, but is the most important aspect of the policy which affect customers during time they need the insurance. It measures how much protection you have in the event you get sued. A professional financial advisor will never ever sell you an auto insurance policy at low limits if he/she has enough information that you and your spouse have enough wealth to be sued for in the event that you or a family household member cause a major auto accident and your car insurance pays the maximum on the policy which turns out not to be enough.</p> There are many insurance policies sold with superior insurance companies at the lowest liability limits mandated by the state. In the State of Illinois these limits are 20/40/15, which means that in the event you cause an accident that is your fault and you get sued by others, then your company will pay to others on your behalf no more than $20,000 for bodily injury for one person, no more than $40,000 for bodily injury for all other people in the accident, and a maximum of $15,000 for any and all property damage you case in that accident. If you are a business owner and you cause a major accident resulting in a unbeaten lawsuit of $300,000 and your insurance company maxed the payment on the policy and paid $20,000 , the difference of $280,000 will have to come from your own money!<br /> ###<br /> <br /> Ed Sneineh, an insurance professional since 1989.urn:uuid:3556d5d9-b9f7-459b-9be7-2ae8be6fe5efby Ed Sneineh Marketers of auto insurance and financial consultants are not in agreement when it comes to &nbsp;the weight that must to be placed &nbsp;on liability limits in automobile insurance contracts. Automobile insurance marketers like to em...Sun, 06 Feb 2011 18:38:04 -0600<p><strong></strong><strong>by Ed Sneineh</strong><br /> <em></em><br /> <br /> Marketers of auto insurance and financial consultants are not in agreement when it comes to &nbsp;the weight that must to be placed &nbsp;on liability limits in automobile insurance contracts. Automobile insurance marketers like to emphasize the features of price and the ranking of the insurance companies, while financial consultants like to, initially, center the attention on the magnitude of liability limits, then insurance companies ranking next, and perhaps price at last.</p> <p>Although financial consultants and car insurance marketers have the collective goals of maximizing their wages while performing their services, the extent of their business is much dissimilar. Automobile insurance marketers make their commission by selling as many insurance policies as they can do. The marketer &nbsp;does her/his best to make as many policy sales as possible, therefore making small profit per policy on too many policies sold. Financial consultants work in a different way as they try to make larger money from their consulting work on each of the very few number of clients they have. Selling an automobile insurance policy is not the chief worry of a financial consultant, but for her or him automobile insurance is one of the necessary focus of the financial consultation course.</p> Automobile insurance agents and brokers look at car insurance as a way to protect the customer&nbsp; when there is a loss to the car itself in the instances of theft, fire or another loss; in addition to the fact that car insurance is the law. Financial consultants &nbsp;look at car insurance as an important aspect of their clients risk management process. To the financial consultant a automobile insurance policy is not to restore the automobile in the event of loss, but is mostly about shielding the assets and capital of the insured, especially against possible legal proceedings that can wipe the assets of their clients.<br /> <br /> A few automobile insurance marketers would even advise the public to reduce liability insurance as a strategy to save money. No sound financial consultant will ever make such an advice.&nbsp; No way!<br /> <br /> <p><strong>When does height matter?</strong></p> How high your liability limits must be&nbsp; has to be the main issue when you buy automobile insurance. Perhaps you need only the minimum liability limits required by the states in situations where: (1) You obtained many quotes with higher limits and &nbsp;the cost was very prohibitive. You simply did not have that money. (2) Your present assets and capital are too insignificant to expose you to lawsuits for at fault automobile accidents. (3) You are a high risk operators where no other insurance company wants to insure you except those that insure only at the minimum state limits. But, if you have certain amounts of assets and capital, or is expected to have substantial assets or capital, then you have to be alarmed about the height of your liability limits. <p>What if you are not rich and you do not have ample of assets? For people with modest or no capital, the height of liability limits should still be much of a worry for them. In Illinois and several other states, liability insurance coverage includes specific protection to pay for you and your household, for your bodily injuries in situations when you get hit by an automobile that is legally uninsured, or, in other scenarios, the car that hit you is insured but the insurance paid &nbsp;by its insurer was inadequate to pay for your bodily injuries. According to the Insurance Research Council, approximately 15% to 17% all drivers in the United States are uninsured. Coverages for Un-insured Motorist (UM) and Under-insured Motorist (UIM) diverge from state to state with regard to their obligatory status and limit amounts. In Illinois UM is compulsory at the limits of $20,000 for bodily injury per person and $40,000 for bodily injury per accident. Underinsured motorists coverage is not mandatory in Illinois but insurance companies must offer that coverage to the insured clients for policies issued with liability limits over the state limits. Insured people can still decline to have higher uninsured/ underinsured motorists (to save money?) but it has to be in writing. As you can see, your liability only policy gives protection for your bodily injuries and those of your household; and being assured that you have high limits on both liability, UM and UIM can have incredible result on you and your household members.<br /> ###<br /> <br /> Edward Sneineh,</p>urn:uuid:ae957408-45a9-4332-9b57-2ee923de2539by Ed Sneineh Getting some discounts and savings on car insurance involves that you have little information but some common sense, and little knowledge of finance and insurance matters. You perhaps want to spend some times to study the different poi...Fri, 04 Feb 2011 22:11:59 -0600<p><strong>by Ed Sneineh</strong><br /> <em></em><br /> Getting some discounts and savings on car insurance involves that you have little information but some common sense, and little knowledge of finance and insurance matters. You perhaps want to spend some times to study the different points of liability insurance, the expressions of deductibles and exclusions, etc. Perhaps you got mislead when someone informed you that your liability insurance will protect&nbsp; you for towing and rental reimbursement, and possibly it was all miscommunication between you and your broker when your were told that you getting auto insurance discounts because you did not smoke.</p> When people learn about certain matters they normally save themselves time (which is money), pure money, or&nbsp; frustration, or maybe all the above. For example, with some companies, insuring 6 autos is less costly that insuring 5 autos! How can that be true? If your policy contains 5 automobiles with full coverage on all, and the policy lists 3 adults and 2 youthful operators, adding up a 6th automobile liability only and appointing the 17 year old boy with 1 ticket to that 6th automobile will unquestionably decrease the premiums with the vast majority of insurance companies that permit assignments of operators &nbsp;to automobiles. Keep in&nbsp; mind &nbsp;that if you cross out the 6th automobile later, you may have to pay additional charges to take that automobile off your policy. The previous case is an example of a complex situation which may intrigue many people, including beginners in the insurance business.<br /> <br /> Nevertheless there are other circumstances where you do not have to be an insurance specialist to comprehend how simple it is to save money. The next is a setting that is very common in its occurrence with folks buying insurance, every day. The situation entails people with choices to make either full payment or down payment and scheduled monthly payments. <p>Situation: Assume that you decided to go ahead with &nbsp;an insurance quote, with a final cash premium of $635.00.&nbsp; Payment Options: The insurance agent asks that you either pay in full or may you put a down payment of $175.00, and then the remaining balance of $460.00 be paid with 4 monthly payments of $123.11, leading to total payments of $667.44; [175+(4X123.11)].</p> Financial services, including insurance, is one of the highest regulated industries. The state regulatory usually sets restrictions on the maximum charges which consumers will pay for having your premiums paid on monthly or quarterly basis. In Illinois the maximum nominal interest rate that can be charged to a consumer for outstanding balances is 10%. However the law permits for setup charges on the contract, with a maximum setup fees of $40.00 per contract.&nbsp; In the previous examples, the customer is paying $32.44 [$20.00 setup and 12.44 interest] for choosing to schedule monthly payments. <p>Paying $32.44 may seem an 'acceptable' verdict, but when you take in consideration that this amount is paid to ensure a balance of $460.00 for only four months, which makes it comparable to around 41% of the money borrowed, it will make you wonder if you had the correct judgment. What makes things more knotty is the added fees that customers must pay for (1) Being behind schedule dates, (2) Monthly payment contracts being canceled and reinstated (3) Paying more fees for using online/phone payment system by credit cards or check by fax/phone. If you miss a payment, get canceled and reinstated once, and paid once by check by phone you extra charges will be over $15.00. So imagine if you miss that two times, or even three times!!</p> <p>Making a lump sum payment on your insurance if you can, and you must &nbsp;make an attempt to, pay for it, will certainly save you money,&nbsp; time and stress from seeing late or cancellation notices on your insurance!<br /> ##<br /> <br /> </p>urn:uuid:b597144d-e407-47c2-a15a-8ebb373ba25dby: Ed Sneineh Being in an automobile accident can be a distressing experience. The last thing you want to happen to you is to extend this distress to the&nbsp; time when you start dealing and managing your auto claim.&nbsp; These are certain things...Thu, 03 Feb 2011 11:23:23 -0600by: Ed Sneineh<br /> <br /> Being in an automobile accident can be a distressing experience. The last thing you want to happen to you is to extend this distress to the&nbsp; time when you start dealing and managing your auto claim.&nbsp; These are certain things that you need to worry about to normalize the claim process:<br /> <br /> 1. Understand your auto policy. Reading and understanding your policy will permit you to obtain several of your subjects addressed in an accurate manner. It also will put you in an advanced stage to deal with issues &amp; things that can potentially happen to your claim. Like someone suggested before ' understanding the policy is half way in getting your claim paid in timely manner.'<br /> <br /> 2. Immediately notify your company of the accident. If you have an independent broker make sure you also report it to your agent and company. Failure to report the incident in appropriate way may lead to interruption in processing your claim.<br /> <br /> 3. If your claim includes physical damage claim, make sure to correspond with the claim department of your company in an organized style. Make sure to document your calls with time and date and name of the person you talked to. Respond to their inquires by faxes and email which can be little more effective than verbal correspondence because you have the proof with date and time that you responded to the company's examination.<br /> <br /> 4. The insurance company is mandated by law to correspond with you within specific time period (21 days after you file the loss). However, you need to watch for the points which your insurance company is asking you to address. Under policy terms, you are required to perform certain tasks and duties such as providing certain documents to authenticate your claim. These documents could consist of sworn statements of loss telling the date, time and events of the loss; reason of using the auto&nbsp; at the time of the loss, police crash report, medical bills, title and bill of sale. The auto insurance company also has the right to scrutinize certain documents under oath. Lack of performance of these tasks in timely manner may result in delaying or even rejecting your claim.<br /> <br /> 5. Bear in mind the following as you file for your comprehensive and collision claim: Your insurance company may ask you to provide pictures and repair estimates, and may ask you to go to one of their elected facilities to get more estimates. If your company agrees to restore your automobile&nbsp; you have the right to fix it at any store of your option, but you may not&nbsp; force the insurance company to agree to the charges of your store, and your repair shop has to agree to the reasonable charges presented by the insurance company. The company can also fine-tune the claim sum for any abnormal high mileage or previous damage on the automobile. If your auto was confirmed total damage by your insurance company then the company will reimburse the fair market worth, minus the appropriate deductible. If there is a loan note on the auto your company is not compelled to pay the amount of note.<br /> <br /> 6. If your auto was total damage the insurance company may propose to you a cash payment or a replacement auto. The replacement auto must be acquired from a registered car dealer, with similar or better year, make &amp; model; same or better options and physical conditions.&nbsp; Insurance companies are not permitted by law to sell back the auto to you, unless the total damaged auto is 9 years or older; or the damage was hail/ wind related- ie the mechanics of the vehicle was unaffected. If you accept the cash settlement and later you boughtanotherauto the insurance company may be required&nbsp; to pay you the pertinent sales taxes and title transfer if the deal takes place in 30 days of the cash settlement date.<br /> <br /> In some situations you might not be in agreement with what your insurance company is presenting you in settlement offer. The insurance policy contains provisions about&nbsp; such disputes, including submitting the case for&nbsp; appraisal. In such a case you will appoint your own appraiser, on your own expense, who will deal with the insurance company's appraiser. If both failed to agree, the case would be sent to an 'umpire 'whose decision is normally final.<br /> <br /> ###<br /> Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of Insurance Navy, a leader in providing &lt;A href="http://www.insurancenavy.com"&gt;auto insurance quotes, Chicago&lt;/a&gt;. Visit our website and get your &lt;a href="http://www.insurancenavy.com/get_a_quote/default.aspx"&gt;car, SR22 insurance quotes&lt;/a&gt; in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 other carriers.urn:uuid:5780a8c7-f49b-4967-a683-594fc0ff4cdaGAP&nbsp; insurance normally applies to cases of auto accidents that lead to total losses of the vehicles. It provides coverage for the difference between what the insured person will receive from the auto insurance company and the remaining balance ...Wed, 02 Feb 2011 21:14:20 -0600GAP&nbsp; insurance normally applies to cases of auto accidents that lead to total losses of the vehicles. It provides coverage for the difference between what the insured person will receive from the auto insurance company and the remaining balance of the loan owed to the lienholder (bank providing the loan) on that automobile. <p>It should be stressed, first, that GAP coverage is not part of any state laws. In almost all states including <a name="Cheap auto insurance in Chicago" href="http://www.insurancenavy.com/framed.aspx?ref=100">Illinois automotive insurance</a> is the law. The State mandates to have car insurance at state limits which is $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 property damage per accident. You are not obligated under any law to purchase or have GAP insurance. A number of lienholders prefer to see you having this type of coverage when there is a broad gap between what the insured person owes to the bank and what the auto insurance company may pay in the event of total loss. Lienholders will worry less when they know that their loan will be paid off when the insurance company pays less what you owe to them.</p> Examples of GAP, and where the GAP insurance is most needed:<br /> <p>1. You purchase a brand new vehicle at $40,000 and the dealer let you go without making any down payments because of your perfect credit score. Nine months later your vehicle get stolen, and you are left with a $36,620 loan. Your insurance company argues that the fair market value of your vehicle (they can get you same one) is 30,600. In this case, $6,020. Your GAP insurance, if you have it, will cover that amount. </p> 2. You decide to purchase a used SUV and the best offer you negotiated was $19,500. You knew that you paid $4,000 extra because the truck is equipped &nbsp;with brand name DVD player, TVs, sound system, and very lovely rims (neither is part of the insurable value of the truck with the auto insurance company.) Because of your low credit score the lienholder charged you an APR of 25% on the loan. You made only $3,500 down, hence leaving you with a loan of&nbsp; $16,000. After a full year of making payments you got into a car accident and your SUV was a total loss. You insurance company decides that the value of the high mileage truck with all the not-insured extras was only $7,500. After making payments for a year, your balance is still $13,500. In this case we have a gap of $6,000 that would be paid by the GAP insurance, assuming that you purchased the coverage. <p>Who needs GAP coverage? Normally people who over paid (over charged) for an auto, or people who made small or no down payments are the people who will have some sort of GAP, therefore, they need the coverage. Also people who buy high mileage autos or hackneyed, over used, autos, at a price that was too close to the Actual Cash Value of the vehicle will also have a gap issue. Some insurance companies will underpay total loss claims for overused vehicles, salvaged vehicles, or autos with prior extensive damage. Also, if your loan has very high APR chances are higher that you are paying off your loan note at a very slow pace, at the same time your car is steadily depreciating, leaving you with a even wider gap. One more group of people who need it are those who cannot pay for the gap in the event of future total damage.</p> Used and new car dealers may suggest that you obtain GAP insurance through them. Keep in mind that GAP insurance is not compulsory, but it's fine to have if you really need it. Nevertheless, before you get your GAP coverage at the finance manager desk of the car dealership you need, first, &nbsp;to get some idea if you need the coverage or not. Contact your insurance broker and see what's the worth of the auto you are purchasing in the books. You can also use Kelly Blue Book to decide the worth of the &nbsp;car. Accordingly, and based on the sum of loan note you are borrowing you may be able to tell the approximate amount of gap that may exist, if there is any gap. <p>GAP insurance coverage is a single premium policy that is sold for the life of the loan. The price runs from $250 to $600 for the life of the loan. Most GAP policies can be canceled within specific number of months, and you may (or may not) get some refund, after paying all administrative cost and commission, assuming that you remember to cancel, and you know how to do it; in the event you sell your car or payoff the loan prematurely. </p> For people who purchase a brand new luxury auto with no down payment and with a potential gap of $20,000, it may be worth it to pay $700 for gap insurance coverage. But for other people who purchases a $6,000 used car with a potential GAP of $1,200 it will not make any sense to spend $350 to get GAP insurance. If you make a decision to get GAP insurance, try to get some quotes before you sign on for that coverage at the car dealership. There are lots of websites that will offer you with a competitive price for GAP insurance coverage.<br /> ###<br /> <br /> Ed Sneinah