IIA Blog

Information covered in the Illinois Insurance Association blog is intended to provide general information and guidance, and should not be considered legal advice.


Can I drop comp and collision when my car loan is paid off?

Sep 27, 2023, 10:45 AM

Not having a car payment gives you the flexibility to buy physical damage insurance - or drop this coverage. However, a liability-only policy provides no insurance for accident-related vehicle repairs. Before removing comp and collision coverage, click on the link for factors to consider.

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Ready for an Earthquake?

Sep 20, 2023, 1:19 PM

Surviving a seismic event is not on most Illinoisans' radar. However, the new Madrid Seismic Zone in southern Illinois and the Wabash Valley Seismic Zone in southeastern Illinois put our state at high risk of an earthquake. Northern Illinois' Sandwich and Plum River Fault Lines are also problematic. Click on the link below to learn how to prepare for the possibility of a major earthquake in the future.

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What's comparative negligence and why does it affect my auto insurance claim?

Sep 13, 2023, 9:46 AM

Requesting damages from another person's auto insurance company makes you a third-party claimant. Claim settlements for third-party damages are subject to Illinois' modified comparative negligence law. This statute determines which drivers can be compensated for crash-related injuries and property damage and how much they get. Click on the link to learn more.

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August is National Traffic Awareness Month

Aug 23, 2023, 10:56 AM

Navigating congested roadways is stressful - and risky. Crash potential goes up when traffic is heavy. National Highway Traffic Safety Administration statistics link busy roads to increased traffic accidents. National Traffic Awareness Month is a campaign to remind motorists that roadway safety is a shared responsibility. Click on the link for best practices to reach your destination safely.

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