Automobile Insurance

Automobile insurance can be frustrating and confusing. Stringham Insurance Agency’s experienced, professional staff will be happy to review your policy, answer your questions, and provide you with a free quotation based upon your needs.

How much do you need?

Illinois (Stringham Insurance Agency’s primary state) is among the many states that require certain minimum levels of liability coverage to operate a motor vehicle. Auto insurance blends several types of coverages into one policy. Typically, your policy will include some combination of Liability, Medical Payments, Uninsured Motorists, Underinsured Motorists, Collision, and Comprehensive coverage. So, what do I need?

Liability pays for the damage caused by you to others if your vehicle is involved in an accident. It also protects you from a lawsuit that can sometimes follow and accident. The greater your assets, the more you have to lose. If you have substantial financial resources, you may need more liability protection than what is afforded by your auto insurance policy. In this case, we recommend a Personal Umbrella policy to provide the additional protection ($1 million or $2 million or more) to protect your home and other assets from an adverse judgment. This umbrella limit will also protect over and above your homeowners insurance as well. Liability insurance is required in Illinois…how much you buy is up to you!

Collision covers damage to your auto from an accident. This coverage kicks in regardless of fault. Some insured’s choose to not carry collision coverage when they deem that the value of their vehicle is not worth purchasing collision coverage. Collision coverage is always subject to a deductible.

Comprehensive or Other Than Collision coverage pays for damage to your vehicle as the result of an occurrence other than a collision. So, if your car is stolen, vandalized, or damaged by some way other than collision, comprehensive is the coverage that you would want to have. This, too, is subject to a deductible.

Medical Payments provides for first dollar medical expenses to you and/or your passengers as a result of an accident. There is a dollar maximum per policy that can vary by how much the insured purchases.

There are other auto insurance coverages available for additional premium including Towing and Rental Reimbursement. You need to discuss these coverage with your Stringham Insurance Agency representative.

Need a quote?

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