Uber Insurance Requirements

Uber Insurance Requirements, Are Drivers led To Buy Insurance That Leaves Them Uncovered? Allstate, State Farm, Progressive, and Geico agree, their policies do not cover Uber drivers or ridesharing activities of any kind. As Urban Insurance has written in prior posts, "Private passenger policies" do not provide coverage for vehicles used commercially, and make no mistake- Driving passengers for m...
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What is Actual Cash Value?

What is the actual cash value of my car? We have all heard that as soon as you drive the car off the showroom floor, the value of the car drops, this change in value is called depreciation. The basic logic stems from the fact that people are willing to pay less for a “Used Car” or truck than they would for a band-new vehicle. An insurance company realizes that they can purchase a two-year-old c...
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Who can drive my car?

Auto Insurance rates are set by companies based on perceived risk. Overwhelmingly, their prices come down to the answers to these two questions: in the event of a loss, how much will it cost us; and what is the likelihood the loss will occur. "Who can drive my car? This is a common question people ask when comparing rates for car insurance. Since teen drivers, or those with poor driving records wi...
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10 Tips for Driving in Snow,

Snow has come to Chicago, and clearly seems to be behaving badly and over-staying its welcome. Driving in snow poses a variety of hazards, from slower stopping times, impaired vision, and cars slipping and sliding their way across the roads. Newer cars with traction control and antilock brakes plus the large number of vehicles with 4-wheel-drive, do help, but they can also fool drivers into a fals...
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INSURANCE AGENTS

When you contact Urban Insurance Agency you will be able to speak to Insurance Agents that are licensed and have the training and experience to help guide you through all of your questions. Our agents are here to help you select the policy that best fits your needs, but also to help you navigate the claims process. Agents must receive a license from the Department of Insurance in the state they re...
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Urban says goodbye to Vivian Temples

It was Saturday morning, at my desk, when my mother called me to tell me of Vivian's passing. Let me explain, our insurance agency is open a half day on Saturdays, and that for so many years Vivian would be one of the few people working alongside of me, and often my mother. Vivian's hours had her coming late and then staying late; so many nights, after others left, it was just the two of us answer...
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How to Fight The Chicago Winter Blues?

  Once again extreme cold and snow have returned to Chicago. The National Weather Service announced    that the expected highs on Wednesday in northern Illinois would reach  -4  degrees and bring wind chills as low as -30 and -35 overnight, resulting in the closing of most Chicago schools. As winter returns to Chicago, so does our tendency to dash from our homes to our cars with only work ...
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Tow Truck Insurance

Looking for Tow Truck Insurance, Turn to Urban Insurance. Our expert staff has been a dependable source for Towing Insurance for over 54 years. We understand the requirements that the Secretary of State has placed on Flatbeds and Tow-Trucks prior to granting them the “TW” plates needed to operate a towing company. Whether your company specializes in towing, auto transport, salvage, or if you d...
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Making It In Chicago on $13/hour

As the cost of living continues to increase, learning how to make your dollars stretch as far as they can is an important part of survival. The prices in Chicago can be significantly higher than other states, and finding ways to make it on $13.00 an hour can be challenging. How much does that equate to? In annual dollars, that’s about $26,000 per year or a little more. While that may not seem ...
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Halloween in Chicago

Halloween is a time when kids get to dress-up as a favorite character, gather with friends and roam from house to house collecting as much candy as possible. When I was a child, I can remember starting early and putting in hours of ringing bells till I had shopping bags full of candy. As a parent in Chicago, my wife and I took our son and his friends trick or treating, ever careful that in the...
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