Updates to Auto Insurance Policies and Regulations for Transportation Network Companies

The upcoming transportation network companies (TNCs) around Spring Grove, IL, have revolutionized how people travel. They have also prompted updates to auto insurance policies and regulations. As these companies grow in the transportation industry, policymakers and insurers are working to ensure adequate coverage.

Coverage Requirements

Challenges in regulating TNCs are determining the appropriate insurance coverage requirements for drivers. Original auto insurance policies may not have enough coverage while drivers are engaged in commercial activities for TNCs. Many jurisdictions have implemented regulations requiring TNC drivers to carry specialized insurance coverage that extends during periods of active ride-hailing.

Hybrid Coverage Models

In response to regulatory requirements and the evolving nature of TNC operations, insurers have developed hybrid coverage models tailored to the unique needs of drivers participating in ride-hailing services. These policies typically provide coverage for personal use during: 

  • Period 1 (at the time of logging into the app but has not received a passenger)
  • Period 2 (when the driver accepts a passenger’s request for a ride)
  • Period 3 (when the driver has the passenger on board the vehicle)

Collaboration with TNCs

Insurers have also collaborated seamlessly with TNCs to integrate insurance offerings into their platforms. Many TNCs provide liability coverage for drivers while actively engaged in ride-hailing activities. Additionally, some TNCs offer contingent coverage during periods 1 and 2, protecting drivers who may not have sufficient coverage under their auto policies.

Regulatory Compliance

Regulatory agencies continue to update and refine TNC operations regulations and insurance requirements. By complying with and staying informed about applicable laws, TNCs and insurers can mitigate legal risks and maintain trust in stakeholders’ laws.

Let Spring Grove Insurance Inform You

Spring Grove Insurance helps answer auto insurance questions and serves the Spring Grove, IL, region. Call us today.   

Your First Auto Insurance

Congratulations on your first car! A field of freedom is opened to you now. However, with these freedoms comes responsibilities. One of those responsibilities is auto insurance. It may sound like a headache, but it’s very convenient when you need it. Plus, it’s the law. 

Legal Requirements for Auto Insurance in Illinois

In the state of Illinois, a person may not operate, register, or maintain the registration of any motorized vehicle without coverage by a liability insurance policy. Also, another person may not operate, register, or maintain the registration of your vehicle unless they are also covered by a liability insurance policy. You must also be able to provide a minimum level of uninsured motorist (UM) bodily injury coverage as well as underinsured motorist (UIM) bodily injury coverage. 

How to Get Insurance

Your best bet right now is to be added to your parents’ policy. If you have your own vehicle, they can add it to their policy. This will increase their rates, so be prepared for a long discussion with them. Once you get the policy, the company will send you an insurance card. Keep this card in the vehicle at all times. You can be penalized if you drive without it. If pulled over, politely tell the officer where your insurance card is and ask if you can retrieve it. Drive safely, both for your insurance rates and your own well-being. 

Looking for Insurance in Spring Grove, IL? Spring Grove Insurance Can Help!

If for one reason or another, you cannot be on your parents’ policy, contact Spring Grove Insurance. If you are a parent and need to add your child to your policy, we can help too. We serve the greater Spring Grove, IL community, and we will personalize just the right insurance policy for you. 

Safe driving tips for new drivers

Spring Grove Insurance has been serving Spring Grove, IL drivers over the years for all their auto insurance needs. We understand as new drivers, it is important to be aware of the dangers that come with driving. There are driving tips you can follow that help you stay safe on the road.

Here are some of the most important tips for new drivers:

The first tip for new drivers is to always wear your seatbelt.

Wearing a seatbelt can significantly reduce your chances of getting injured in an accident, so it is absolutely essential that you buckle up every time you drive. In addition to wearing a seatbelt, it is also important to ensure that all passengers are properly buckled as well.

Another important tip for new drivers is to always avoid driving when you are tired or distracted.

Driving while you’re drowsy can increase the risk of an accident, and distractions such as texting or talking on the phone can make it difficult for you to keep your focus on the road. If you need to use your phone or deal with other distractions, make sure that you pull over to a safe location before doing so.

Another important tip for new drivers is to keep their speed in check.

Speeding significantly increases your chances of getting into an accident, so it’s important to always drive at a reasonable speed. Additionally, be sure to obey all traffic laws, including speed limits, stop signs, and traffic signals. Following the rules of the road will help you stay safe on the road, as well as keep other drivers safe too.

Finally, it’s important to always approach driving with a cautious mindset.

Remember that accidents can happen at any time and regardless of how careful you are behind the wheel.

Get Auto Insurance Today

For more safety tips, call Spring Grove Insurance. We encourage you to get or update your auto insurance policy to better protect you against any accidents. We are proud to serve the Spring Grove, IL area. 

Things you should always carry with you in your vehicle

Most people count on their vehicles to do the activities of daily living. For many people, this means driving to work. It may be heading to the grocery store, taking your children to school, or running errands. Having the right auto insurance means you and your vehicle are both protected. As independent insurance agents at Spring Grove Insurance in Spring Grove, IL, we have a lot to offer our customers as far as service and choices go. We have access to more insurance carriers than captive agents. 

Things to carry in your glove box

Your glove box allows you to carry quite a few things that can be very useful. Have a pen; you never know when you need to sign something. Be sure to have a tool that can cut your seatbelt and break your auto window if you are in an accident and end up trapped in your car. A small flashlight can be very helpful. An extra cord to charge your cell phone. We all know there is no such thing as too many charger cords.

Things to have in your trunk

You should have a spare tire and a jack in your trunk. A car charger like a Halo is excellent if your battery won’t turn over. A can of Fix A Flat to repair a flat tire. Flares are good to have if you are pulled over on the side of the road. It’s always wise to have a blanket, a hoodie, snacks and water in your trunk. 

Documents to carry

You should always have your driver’s license, vehicle registration, and auto insurance card. 

Contact Spring Grove Insurance in Spring Grove, IL,  when you’re ready to discuss your auto insurance. 


Tips to Avoid Accidents in the Winter

Winter driving brings a lot of challenges. The weather is cold and can be unpredictable. You may also be driving in plenty of snow and ice. 

However, as long as you are careful, you should be able to get where you need to. Here are some tips to help. 

Check your car over before you go. Before winter hits, you need to give your car a good inspection. You need to make sure that your tires are good. Bald tires won’t go in the snow. Also, make sure that your battery is newer, and your windshield wipers work. 

Don’t run out of gas. You should never let your gas tank get too low in the winter. You don’t want to get stuck somewhere and then run out! 

Give yourself extra time to get where you need to. You should always leave earlier than you need to, just in case. That way, you can take the extra that you need to drive carefully. 

You also need to give yourself more time to start, stop, and turn. Because the roads may be slippery, you will have to give yourself more time. Don’t hit the brakes quickly, or you may find yourself sliding out of control. 

Don’t get too close to the cars in front of you. Since you are going to need more space to start, stop, and slow down, you are going to want to give yourself extra space to do so. 

Winter driving can bring challenges, but as long as you are careful, you should be just fine. Just take your time and watch your speed. 

If you want to make sure that you have enough car insurance in Spring Grove, IL, don’t hesitate to contact us today at Spring Grove Insurance. 

What is Accident Forgiveness in Auto Insurance?

If you have just purchased a car and you have been involved in the first accident in Spring Grove, IL, you might request your insurance provider for forgiveness. Spring Grove Insurance indicates that auto insurance forgiveness is a clause in the insurance industry that is unfortunately unknown to many car insurance holders. This means that the number of people asking for forgiveness is minimal. Why is it necessary to ask for auto insurance forgiveness? 

Have Additional Savings

As a rule of thumb, insurance companies will always increase your insurance premiums if you are involved in an accident. The more accidents you have, the more premiums you will have to pay. However, with insurance forgiveness, your insurance premiums will not change, and you will therefore end up making some important savings that you would have otherwise paid as premiums. 

Maintain Good Driver Discounts

Insurance forgiveness is very common to good drivers who are rarely involved in an accident or anything wrong while on the road. Good drivers who accumulate points are likely to lose them when they are involved in an accident. However, when one gets auto insurance forgiveness, they will not lose their good driver discounts, which means that their reputation on the roads will be maintained. 

Peace of Mind

There is nothing better than receiving a call from your motor vehicle insurance company that you have received forgiveness. You get the needed peace of mind when struggling if involved in an accident. No person wants to experience additional financial expenses, and auto insurance forgiveness helps people live in peace. 

Not every auto insurance company discloses auto insurance forgiveness. In fact, most companies do not give their customers any forgiveness. However, at Spring Grove, IL, Spring Grove Insurance has been giving its customers reliable auto insurance policies for many years, and you will access the same benefits if you join us. Contact us to get more information about insurance forgiveness.

Auto Insurance for Your New Car

If you’ve just bought a new car for the Spring Grove, IL roads, then the first thing you should do is get auto insurance. Maybe this is your first new car, and you’re upgrading from a pre-owned vehicle. Luckily for you, Spring Grove Insurance can walk you through all of the in’s and out’s of auto insurance for your new car. 

What Does Auto Insurance Cover? 

Auto insurance provides you financial coverage in case you get into an accident with your new vehicle. Essentially, auto insurance provides security to help you cover the expenses of certain fees that are associated with accidents. Here are some areas in which auto insurance can usually provide coverage: 

  • Liability 
  • Injury 
  • Medical costs
  • Property damage
  • Acts of nature

These are just some of the areas in which auto insurance can provide coverage. To know exactly what type of coverage would be best for you, visit Spring Grove Insurance to get a consultation. 

Should I Get Full Coverage? 

If you have a new car, you should probably get full coverage. In most states, you legally are only required to have liability. However, full coverage may be more financially beneficial as the costs of repairing newer vehicles are significantly higher than that of a used car. Plus, new vehicles usually include repair costs in the monthly payments, so you may as well get full coverage. 

Get the Coverage You Need with Spring Grove Insurance

It’s always better to have coverage and never need it than it is not to have coverage and desperately need it. Having coverage could be the difference between something being easily resolved vs. something costing you a fortune or worse. Let the professionals at Spring Grove Insurance help you find the right coverage for you. Get secured, protected, and covered for your next Spring Grove, IL trip with Spring Grove Insurance!