If you are an Illinois driver, state law requires you to carry auto insurance. If you live near Spring Grove, IL, our team at Spring Grove Insurance is here to answer your questions. We’ve been working with drivers like you since 2010.

When Your Car Is Declared a Total Loss

Any time you have a car accident, you must report it to your insurance company as soon as possible. After an accident, you are also responsible for preventing further damage to your car while it waits for repairs. If the damage is significant, your insurance company may declare your car a total loss. Guidelines established by the Illinois Department of Insurance determine when a car is considered a total loss.

Most auto insurance policies require you to complete and sign an official proof of loss within 90 days of the accident. This sworn proof will include the date of the loss, how the accident occurred, and the purpose for which the car was being used. If your insurance company decides to replace your totaled vehicle, they must offer a car that is equivalent in make and model to your totaled vehicle. The replacement vehicle must also be in good condition or comparable to the condition of your previous car.

Call Us for Your Appointment Today

Don’t take a chance by driving without insurance. Our team at Spring Grove Insurance works hard to find policies that meet your needs and fit your budget. Drivers in the Spring Grove, IL, area know they can depend on us to find the right insurance options. Call us today to schedule an appointment, and let’s talk about your coverage.