Auto Insurance

Even though having auto insurance is required by law, having insurance that is easy to work with is just as important. With companies now offering first accident forgiveness, choosing the right company is a tough task. With our representation, we can get you a policy with the best company for your exact needs. Whether that be for those who had some bad luck or for those who are at the top of their game, we have the company for you.  We also can insure your:

• Motorcycle
• RV / Motor Home
• Classic / Antique Cars

Here at LaVan Insurance we’ll take the time to get you insured right. If you know anyone looking for insurance, ask them to give us a call today.

Frequently Asked Questions

Are payment options available?
Yes, we offer many payment options including monthly payments.  Policies can be started over the phone or via email with a credit card with as little as 20% down.  Contact us for more details.

What are the minimum coverages required?
The state mandated coverages for Illinois are as follows:

• Bodily Injury - $20,000 per person/$40,000 per accident
• Property Damage - $15,000
• Uninsured Motorist - $20,000 per person/$40,000 per accident
• Commonly referred to as 20/40/15

If you are making car payments or leasing your vehicle, your finance company will most likely require physical damage.

Coverages

Sorting through insurance coverages can often be confusing and frustrating.  Below are some general concepts about auto insurance and the common coverages that are offered.  For details specific to your policy, please refer to the policy language issued by your insurance company.  Only your policy can accurately describe the coverages afforded to you.

Liability Insurance
Liability insurance covers damage you may do to other people (bodily injury) or their property (property damage) up to your policy limits.  Bodily injury is related to the injuries caused to others and property damage is damages to another person's physical asset, examples maybe the other person's car, the city's street pole, etc.

Physical Damage
Physical damage is the coverage to fix or replace for your vehicle if damaged.  You will be responsible for the deductible first and then the company will pay the amount beyond that.  People often refer to this as full coverage, however full coverage is actually a combination of liability and physical damage.  Also note that there are some excluded situations with all coverages.

Medical Payments
Medical payments is a coverage to pay for you and your passenger’s medical bills arising out of an accident, regardless of fault in the accident.

Financial Reasonability / SR-22
SR-22 is a certificate filed by an insurance company with a state showing that an individual has at least the state mandated limits of liability coverage.  The filing is typically required for a period of time depending on the reason why the filing is needed.  Most common reasons for needing this filing is driving without insurance and reinstating an already suspended license.  We have many companies that are able to file this for you.  Please call for details.

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