Illinois is still one of three states in the US that doesn’t enforce helmet-use among motorcyclists. It’s still an ongoing debate in the state, but using a helmet is highly encouraged because it can protect you from debilitating injuries. It’s also best for motorcycle riders to wear high-visibility clothing, especially when driving on busy highways.
In the states with no-fault insurance, insured drivers are typically paid for medical expenses by their own insurers, regardless of who caused the accident. Nonetheless, BI liability coverage is still required in no-fault states because if injuries are bad, the at-fault driver may be sued by the injured party. If that happens, your BI coverage can help cover your liability expenses.
There are times when we take our seat belts for granted. And some of us just use them for the sake of compliance. However, this minor inconvenience actually saves lives. Almost half of the people killed in automobile accidents in 2017 weren’t wearing seatbelts. Over 89% who survived daytime crashes and 85% who survived night time ones were buckled up.
However, if you have to provide full insurance for your bike throughout the year, you can ask to have your deductibles increased and your limits of liability lowered on a temporary basis. Your insurance premium is lowered with this setup, so you’ll be offered more affordable motorcycle insurance. In addition, risk of damage and loss to your bike while it’s in storage is minimal. There’s a good chance you won’t have to pay the high deductible.
One of the interesting contrasts we found was between teenaged and elderly drivers. According to the AAA Foundation of Traffic Safety’s 2014-2015 American Driving Survey, drivers aged 16-17 crashed their vehicles more than any of the other age groups. When it comes to fatal crashes, however, the same group is tied with drivers aged 80 and above. Both groups ranked higher than others in that category, as well.
As an independent agency, we combine products provided by most respected insurance providers into custom packages that meet your personal or business needs. When you request a quote, we work hard to find discounts that apply to you. Such as multi-car discount if you insure multiple cars with us for example. Our goal is to always to give you the coverage you need at the lowest price possible in Dallas, Austin, Houston, El Paso, Amarillo, Tyler, Longview, San Antonio, Waco, Abilene, Corpus Christi, Midland and Odessa or anywhere else in Texas!
Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.
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