There is always risk while driving, but speed kills.Car accidents can cost you money even if your are properly insured, they can be financially devastating if you failed to have the proper car insurance. Aside from the monetary loss, a crash can leave lives permanently altered, or worse. Over 35,000 people die each year in auto accidents on America's roads. It might be difficult to imagine th...
Read MoreSR22 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. ...
Read MoreSelf-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...
Read More$25,000/$50,000,/$20,000 Auto insurance in Illinois
In 1989 the Illinois General Assembly voted to require all motorists to carry auto liability insurance. At that time, Auto insurance liability limits in Illinois were set at a minimum of $20,000/ $40,000/ $15,000, and for more than 25 years those same limits have remained. Effective January 1, 2015 a new law increases the mandatory minimum auto liability insurance coverage’s to $25,000/$50,000...
Read MorePalcohol, Powdered Alcohol
By Larry Lubell ChicagoThe Alcohol and Tobacco Tax and Trade Bureau approved seven new version of Palcohol this week, including Margarita and Cosmopolitan. In case you're like me and had never heard of this product until today, it's alcohol in powder form. Consider, that each day, an average of 30 people die in motor vehicle accidents involving an alcohol-impaired driver. The math works out to...
Read MoreWhat to do after an Auto Accident
Car Accidents and reporting claimsWhat do I do if I have an accident? In the 50 years that Urban Insurance has been in business, we have never spoken to a single customer that was “Happy” to have just been involved in an accident. The truth is accidents happen to even the best of drivers. When an accident does occur you need to remain calm, collect the needed information and make a timely rep...
Read MoreChicago Motorcycle Prep List
Spring has arrived and all across Chicago motorcycles are getting back onto the roads. Before you set off on your first big trip of the season it is a great idea to follow the check-list below.Check your Fuel:Gas doesn't spoil like milk, but when left for several months you might be better off draining the tank and fuel lines before running the engine.Check the oil:You should at least ...
Read MoreTips for a Safe Road Trip
Road trips can be fun, interesting, and a welcomed change of pace from the everyday routine. Keep your vehicle and passengers as safe as possible by doing some preventative maintenance. Even though there is always a chance that your car can break down, performing the simple maintenance tips discussed below will minimize the likelihood of that happening. Check your tiresProperly ...
Read MoreDriving is Strictly Defense
Driving is a defensive play - it is about getting drivers and passengers where they need to be safely. Upon arrival, that's when the execution of offensive plays in life takes place. Defense has always been the name of the game in transportation - when moving, people are at their most vulnerable. This article will set the stage for three defensive driving tips: slow down, maintain a safe following...
Read MoreTips for Driving in Snow
It has been so long since we have had any major snow fall in the city of Chicago, that it's easy to forget how any real accumulation can bring traffic to a stand-still and create dangerous condition. While it is true that in a large city such as Chicago, plows and salt trucks will quickly turn any major street drive-able. This is good news for urban drivers; at least we know we will not get stuck ...
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