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The best direction for protection. At LaVan Insurance we are not only experts in providing auto insurance, we are also experts in service. We get the coverage that is right for you at the lowest prices! Let our staff answer all of your insurance questions and feel confident that you have all the information to make the right decision when buying insurance. We know there are many insurance options out there, but only LaVan Insurance will treat you like family.
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WE DO THE SHOPPING FOR YOU!
No need to go anywhere else! We represent many Illinois insurance companies making sure that you get the lowest price available. When you buy your insurance at LaVan you won't just get the lowest price, you will also get the best service around! Our staff works hard to find the best coverage for your needs at a price that will fit your budget. We also have payment and financing options that can be customized to fit your needs.
AUTO INSURANCE FOR MEXICO
We can also make sure your protected when traveling to Mexico. Even if you already have auto insurance in the United States it is not recognized by the Mexican authorities. We can help protect you and your vehicle while driving in Mexico by providing a policy with a Mexican insurer. Our instant policies make sure your protected while you travel. Our expert service and low prices will allow you to enjoy your trip knowing your covered.
The state of Illinois requires a minimum amount of insurance coverage. These limits are required, however, might not always be enough coverage for some people. These limits are the minimum, but you may choose to increase these limits to suite your needs. The minimum limits Illinois requires is:
Bodily Injury - $25,000 per person/$50,000 per accident
Property Damage - $20,000
Uninsured Motorist - $25,000 per person/$50,000 per accident
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 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 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 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.