Posted on December 28th, 2011
Two Chicago women have plead guilty to multiple charges of conspiracy and insurance fraud after they admitted to staging a car accident in order to file personal injury claims.
The women decided to stage the accident on Wentworth Avenue and Michigan City Road. One of the conspirators waited by the woods with her seven children while another conspirator rear-ended a car, forcing that vehicle to strike the car in front of it. The woman and her children received nearly $4,000 in insurance claims they filed with State Farm.
Each charge of conspiracy and insurance fraud carries a maximum 20 year sentence and a $250,000 fine.
If you live in the Chicago area and are looking for affordable car insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.
Posted on December 20th, 2011
What happens to your auto insurance after you have been charged with driving while intoxicated? A drinking-related driving violation can affect your rates for years to come, and could even affect who you can buy insurance from.
If you’ve received a citation for drunk driving, your insurance rates could increase from 30% to 100%, or even more. You also run the risk of your car insurance company dropping you after your policy runs out, since many do not want to insure high risk drivers.
How long will you have to deal with these high rates? A DWI conviction will stay on your record for a least three years, in some states it could last for five or more years. It could take even longer for you to receive a safe driver discount again. You will also be required to purchase a SR-22 insurance policy in order to get your driving privileges back.
If you have been convicted of drunk driving and need help purchasing SR-22 insurance policy, contact the Chicago SR-22 insurance agents of Insure On The Spot by calling 773-202-5060.
Posted on December 15th, 2011
The National Transportation Safety Board has proposed a national ban on cell phone use while driving, including hands -free devices, after a string of fatal accidents caused by distracted drivers on their phones.
However, a unanimous vote by NTSB members would recommend devices such as GPS navigation systems to be exempt from the ban.
Thirty-five states and the District of Columbia have already outlawed texting while driving and nine states have banned hands-free devices. More than half of the United States has a ban on any cellphone use for new drivers. While the NTSB cannot legally enforce a nationwide ban on cellphone use, its recommendations carry significant clout with lawmakers and federal regulators.
If you have been in an accident after you were texting or talking on your cell phone, chances are your insurance rates will go up. If you live in the Chicago area and are looking for affordable car insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060..
Posted on December 7th, 2011
A 27 year-old man from Chicago’s Far South Side caused an accident early Saturday morning that sent him and his passenger to the hospital.
The crash happened around 3 in the morning on Chicago Avenue and Ashland Avenue. Officers say the man failed to yield the-right-of-way for a left turn and struck an oncoming vehicle. He has been charged with driving under the influence, failing to yield the right-of-way, failing to carry a driver’s license, and not having insurance.
Two passengers who were listed in serious to critical condition were taken to John H. Stroger Jr. Hospital, and two other passengers with minor injuries were taken to Saints Mary & Elizabeth Medical Center.
It is required by law to own auto insurance if you own a car. If you live in the Chicago area and are looking for affordable car insurance, contact the Chicago car insurance agents of Insure on the Spot at 773-202-5060.
Posted on November 30th, 2011
A Texas man will be going to court after Philadelphia Indemnity Insurance Co. accused him of borrowing $1 million in order to buy a $1 million Bugatti Veyron (a rare vehicle with only three hundred in existence). The insurance company says the man insured the car for $2 million and then drove it into a swamp to file a claim.
An excited car enthusiast shot a video of the same Veyron driving down Highway 45 in Galveston and actually caught the crash on tape. The insurance company states that the video proves the driver crashed his car into the water on purpose.
However, the Texas man states that he swerved to avoid a pelican that was in the road.
If you live in the Chicago area and are looking for affordable car insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.
Posted on November 22nd, 2011
A new study by the Insurance Institute for Highway Safety has revealed that hybrid cars are safer than traditional cars. In fact, passengers in hybrids are 25% less likely to be injured in car accidents than passengers in conventional cars of the same model.
Hybrids are safer than traditional cars because they are heavier. The high-tech batteries are so heavy they weigh about 10% more than normal cars. Heavy cars protect people inside the car better because they tend to absorb most of the impact.
However, hybrids are 20% more likely to hit pedestrians because people cannot hear them approaching. They are so quiet that the Department of Transportation is trying to find ways to make them louder.
If you are considering buy a hybrid vehicle, your insurance policy may change. Many car insurance companies offer discounts on hybrids. If you or someone you love is looking to purchase car insurance, contact a Chicago car insurance agent of Insure on the Spot at 773-202-5060 today.
Posted on November 16th, 2011
Two Chicago police officers were injured on Tuesday night when a pickup truck struck their squad car in the Far South Side Roseland neighborhood.
The officers were responding to a call for assistance when the accident occurred. Three men in the other car suffered minor injuries and were taken to nearby hospitals. The 29 year-old driver was given a citation for failing to yield to an emergency vehicle and driving without insurance.
Both officers were transported to John H. Stroger Jr. Hospital with trauma, but reports say their injuries are not life-threatening.
Driving without car insurance is against the law and can come with a hefty fine. But more importantly, it helps cover you financially in case of an accident. If you live in the Chicago area and are looking for affordable car insurance, contact the Chicago auto insurance agents of Insure on the Spot at 773-202-5060.
Posted on November 9th, 2011
A new study by AAA reveals that Chicago area residents spend $11.3 billion a year on vehicle crashes.
Even individuals not involved in car accidents pay for it. To put it in perspective, AAA broke the costs down to $1,180/person living in Chicago and surrounding areas. This is higher than the rates for traffic congestion costs. On average, congestion costs residents $9.5 billion a year in wasted gas and lost time. That’s $1,112 per person.
The cost of motor vehicle accidents are a major economic threat to Chicago’s sustainability. AAA Chicago suggests lawmakers and transportation planners enforce laws more strictly, build public support for transportation funding, and think of new ways to improve safety.
It is required by law to have vehicle insurance, but more importantly, insurance protects you and your car in case of an accident. If you or someone you love is looking to purchase car insurance, contact a Chicago car insurance agent of Insure on the Spot at 773-202-5060 today.
Posted on November 2nd, 2011
A 40 year-old motorcyclist is lucky to be alive after he suffered severe injuries in a motorcycle accident last month.
The man was stopped a red light when a pickup truck rear-ended his motorcycle and threw him into the car in front of him. After dropping to the pavement, the truck that hit him then ran him over and trapped the rider under the other car.
Passersby rushed to his aid and had to lift the car up to free him. Others helped put out a fire that broke out on impact. Just three weeks after the accident, the motorcyclist was released from the hospital. He suffered a broken leg, back injuries which require him to wear a back brace, and brain injuries.
It is important, and also required by law, to own motorcycle insurance. Insurance will help protect you financially in case of a motorcycle accident by ensuring your medical expenses are covered. If you live in the Chicago area and are looking for affordable motorcycle insurance, contact the Chicago motorcycle insurance agents of Insure on the Spot at 773-202-5060.
Posted on October 27th, 2011
With auto insurance rates increasing, many motorists are looking for ways to cut corners to save some cash. Depending on the age and condition of the vehicle, there are a few policies drivers could actually do without.
- Car Rental Damage Insurance: Comprehensive car insurance policies cover rental car damage, so there is no need to pay for additional coverage at the checkout counter. If you do not have a comprehensive policy, some rental companies offer a small fee for coverage. Depending on the company, the fee may be cheaper than a year’s worth of what you’d pay for car rental damage insurance.
- Rental Car Insurance: For the most part, the majority of drivers do not rent cars very often. Insurance companies may push this policy, advocating that in case of an accident this policy will cover the price of a rental car while your vehicle is in the shop. However, renting cars is relatively inexpensive. Over the course of a lifetime, you are likely to pay more for rental car insurance than what it’s really worth.
- Auto Collision Insurance: This policy is usually required for motorists who are loaning cars. However, if you own your own car and it’s completely paid off, this policy is optional. Auto collision insurance may be unnecessary especially if you are driving an older vehicle, since repairs may cost more than what the vehicle is worth.
Before changing your policy, always consult your auto insurance provider first. If you or someone you love is looking to purchase car insurance, contact a Chicago car insurance agent of Insure on the Spot at 773-202-5060 today.
