Author: Josh Prior

Does my Car Insurance automatically transfer to a Rental car?

A common question I am asked is, "Does my Car Insurance automatically transfer to a Rental car?" There are two basic types of coverage, Liability and Physical Damage. Liability covers you against damage you do to other people's cars, property and or Personal Injury.and yes your liability transfers to a rental car and no additional cost. Physical Damage, often called "Full Coverage,"...
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Urban Insurance Is Moving

Effective October 3rd Urban Insurance AgencyWill be moving our offices. Our new location and contact information is: Urban Insurance Agency  800 West Huron Street Suite #301 Chicago, Illinois 60642312-664-8088 / 800-680-0707 Urban Insurance Is MovingPlease visit us at our new space starting October 3rd 2015 While office has moved, you will continue to find all of the friendl...
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Why is gas still so expensive?

Oil was a commodity, of which we were told, the world  had  a limited supply. That in but a few decades we would be running out, and leading up to that day, prices would soar. Oil was a commodity we were told the world was in limited supply. That in but a few decades we would be running out, and leading up to that day, prices would source. As oil steadily rose to over $100/ barrel in June of 2014,...
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Fake Car Insurance policies

Avoid being the next victim of fake car insurance policies Watch out for scammers selling fake auto insurance policies. (iStockPhoto) PrintEmailBy Karin Price Mueller | NJ Advance Media for NJ.com  0 Reddit A car stops suddenly in front of you, you hit your brakes, hear t...
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What is Non Owner car insurance?

"Non Owner" or "Non Owned Automobile Insurance" is  often thought of as liability insurance for those that do not own a car. I feel an obligation to warn all those that call asking for this type of coverage that not all cars you drive but do not own are covered. Insurance companies make a distinction for any car that you are a "Regular and or Customary driver". Non-Owners insurance covers a dri...
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Insurance for Medicar Plates.

Looking for Insurance for Medicar Plates?If you operate a Nonemergency Transportation company (Medicar), then you know that your MC plates come due on June 30th. You also know that the police will be out looking for any Medicar driving on expired plates. The limits of liability required are set at $250,000/$250,000/$50,000 in the state of Illinois. Without an Accord certificate of insurance pr...
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SR22 Information for Illinois

SR22 Insurance Information for Illinois A lot of confusion and misinformation seems to surround the SR22 requirements in Illinois. In this article, I will break it down and explain the points that often cause the most questions. Simply put, an SR-22 is a form (provided by your car insurance company) that verifies you have met Illinois's state requirement for auto liability insurance. ...
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Are Uber drivers employees?

If you ask Uber they will tell you, No they are sub-contractors, but if you ask The California Labor Commission they will say they A driver for Uber is an employee. In a ruling on June 3 ruling the the California Labor Commission concluded that drivers for Uber are employees, and not contractors, and Uber is subject to withholding Social Security, providing workers’ compensation as well as unemplo...
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Self-driving car accidents, are the roads ready for autonomous autos?

Google has been heavily promoting their experimental autonomous autos as the near-future’s answer to safer roads. With 11 self-driving car accidents, some people are asking the question, are these cars safe enough for public use? First let’s look at the basic data behind these accidents.California has 48 “self-driving cars,” in the past six months 4 of them have been in an auto accident; as a...
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What is Actual Cash Value?

Question: "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 realize...
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