Illinois Department of Insurance Reminds Consumers to Review Auto Insurance Coverage Before Accidents Occur
CHICAGO - At the time of a car
accident, too many motorists are not fully aware of
what type of coverage their insurance provides. The
Illinois Department of Insurance (DOI) is reminding
consumers to review auto insurance policies and is
providing helpful steps to take in the event of such
“When a car accident occurs, no one can better
understand the feelings of trauma and confusion than
those involved,” said Jack Messmore, Acting Director,
Illinois Department of Insurance. “The Department is
encouraging consumers to review auto insurance
policies in advance to better prepare for unexpected
DOI, in cooperation with the National Association of
Insurance Commissioners (NAIC), offer consumers a
list of basic tips to follow after an accident.
• Be Prepared Before and After an Accident: By law,
consumers should have a valid insurance card.
Consumers should review insurance policies to be
aware of deductible amounts, liability limits and
towing or rental coverage. During the time of an
accident, motorists should remain calm, stay in their
car if it is unsafe, call police with basic
information such as the location or serious injuries.
Depending on the circumstances of the accident,
exchange personal information including insurance
with the other driver(s) involved, take any photos if
possible, take notes of the accident events and find
out where to get a copy of the police report. If
police do not come to the scene, find out where to
file an incident report.
• Filing Claims: After an accident occurs, it is the
responsibility of the drivers involved to contact
their insurance company. Drivers involved should have
available the police report, insurance card, basic
information about the accident
and a clear understanding of whose coverage pays for
which damages. In case of injuries, ask your
insurance provider if the insured lives in a fault or
no-fault state and details about medical expenses.
DOI encourages consumers to contact its office in
case of problems with filing or settling the claim
with the insurance company by phone at 217-782-4515
or through its website at www.insurance.illinois.gov.
For a complete list of the consumer alert checklist,
or to download the Consumer’s Guide to Auto Insurance visit