What Does Car Insurance Cover in Chicago?

What Does Car Insurance Cover in Chicago?

May 13

All states (except for New Hampshire) require drivers to have the minimum car insurance coverage as established by state law. This will vary, but in Illinois you need liability coverage ($20,000 for injury or death of one person; $40,000 for injury or death of two or more persons in an accident), and property damage ($15,000). The minimum required is not usually enough. Higher coverage is always recommended as these amounts will not be enough anything other than minor injuries and property damage.

Habush Habush & Rottier S.C.® stresses the importance of understanding that liability coverage is only for personal injury. It does not cover property damage. In addition, personal car insurance for liability coverage follows the insured under limited circumstances. There is no standard for this. For example, if you have liability insurance and you are driving your own car, then you will be covered. However, if you are not driving your own car and you get into an accident, your claim may be denied as excluded from coverage. Be sure to understand the terms and conditions set down in your policy.

On the other hand, collision and comprehensive insurance “follows” the car. This type of car insurance covers damage and theft of the insured vehicle even if during the relevant instance the driver was not the registered owner of the vehicle. However, some policies may still have stipulations about the persons authorized to operate the vehicle. In most cases, family members are automatically authorized. The insurer will rarely cover claims in which the driver was operating the vehicle without the permission of the registered owner.

Car insurance can be complicated. It is important to take the time to ask your insurance agent to clarify what is and what is not covered under your policy. It can save you a lot of money and stress in the long run.

Garbage Trucks can be Dangerous

Garbage Trucks can be Dangerous

May 02

It may seem strange to discuss garbage truck accidents in particular when discussing negligent vehicle accidents in general. However, just like its interstate cousins the big rigs, garbage trucks pose a significant danger to other drivers and people in its vicinity because of its size and weight.

The fact is, garbage trucks are more dangerous than big rigs. This is because big rigs are mostly on large roads and highways while garbage trucks are mostly in inner city roadways. They regularly traverse residential areas and commercials where garbage truck accidents are more likely to occur. Garbage disposal is an important civic function. However, this does not excuse negligent or reckless conduct of garbage truck drivers and operators.

Just recently, a garbage truck in Albany killed a four-year-old child as he was crossing the road to the school. The child was walking hand-in-hand with his mother, and had the signal to cross. The garbage truck was making a left at that intersection. Investigations are ongoing, but it is likely that the driver of the truck failed to see the child as he was making the turn.

Another garbage truck hit an attenuator truck on a bridge, which sent the truck sailing into the water, and killed the driver. The attenuator truck is supposed to keep the construction workers safe from traffic, but it was not match for the garbage truck, which was too big and going too fast. According to the garbage truck driver, an aerosol can under the brake pedal prevented him from engaging the brakes on time. The website of an Iowa personal injury lawyer at the LaMarca Law Group points out that far from serving as an excuse, it highlights how simple cleanliness could have prevented the tragedy.

Such instances of negligence have tragic consequences, and someone should be held accountable. If you suffered serious injury or loss due to a negligent garbage truck or other vehicle accident, you should consult with a garbage truck accident lawyer in your state to find out who is liable for the damages.