Skip to content

Other Coverages That May Be Required

Primary auto insurance in Illinois includes liability coverage, followed by Uninsured Motorist Bodily Injury Coverage (UM) and Underinsured Motorist Bodily Injury Insurance (UIM). While the primary coverage serves to protect other drivers, pedestrians, and properties, other coverages are recommended to protect you.

Aside from UM and UIM, you may also be required to secure Physical Damage Coverage. Although Illinois law does not require this type of coverage, your lender may. Physical Damage Coverage is divided into two: collision coverage and comprehensive coverage.

Collision coverage will pay for your vehicle damages due to collision with another car or a fixed object (post or tree), or when your car overturns due to the impact. Typically, this insurance type will require an out-of-pocket amount (deductible) before the coverage takes effect. Comprehensive coverage will cover damages caused by other things but the collision e.g. falling tree, vandalism, fire, theft, etc. Some insurance carriers will require you to secure a comprehensive coverage before getting a collision coverage.

We see you as a person, not just a client – and that makes us better at what we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put people first.
A lot of personal injury lawyers raise their contingency fee throughout the process, charging 1/3 if the case is settled pre-suit, charging 40% if the case is filed after a lawsuit is filed, and charging 50% if the case goes to trial. We don’t. At Mike Agruss Law, our personal injury contingency fee is always 1/3 and that’s not changing. We will handle your property damage claim FOR FREE.  We will never change our contingency fee throughout the process.  You will not owe us a penny unless you get money.  Our unique formula has earned us over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 145 five-star reviews on Google. Call 888-572-0176, e-mail us at [email protected] or schedule a meeting with us here. We’re here 24/7.

Submitted Comments

No Comments submitted yet. Sharing your story will help others!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

Form successfully submitted!