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Personal Coverage Basics vs. Commercial Coverage Basics

Personal Coverage for your vehicle is actually really easy to obtain in Illinois and Indiana. It not only is a necessary when driving on the road here in the Chicago land to have, but also to choose the right kind to protect yourself and vehicle. You wouldn't want to be paying for the wrong insurance and get in to a accident and not be covered would you? There are the two options to choose from when driving on the road depending if your trying to protect your personal vehicle or trying to protect your company vehicle when on the road. Did you know that there was 1.3 million accidents that happened just last year alone here in Illinois? Don't be caught without it a few dollars a day can save you millions in the end.

Personal Coverage Basic

Personal coverage here in Illinois is intended for a individual or family non business related. Whether you caused the accident or got hit by someone texting on their phone, your insurance got your back. They also help pay for those outrageous medical bills that might be caused when getting in to a accident, so that way your not paying it out of your own pocket. Did your door get smashed in? Don't worry your personal coverage covers all body damage done to your car. They even have options to help with the rental while your car is getting fixed so you don't have to pay or only pay half of the rental. Looking to save when getting the right insurance for you? Do you go to school? Are you married? Do you have more than one car your adding? Those all qualify for discounts. When getting a quote the more the information the more the accurate of the quote.

Commercial Coverage

Commercial Coverage is for a business with multiple drivers and vehicles. It helps the business owner so that everyone in the company that drives here in Illinois and Indiana will be covered in any situation. Even if someone in the company only drives once a month they will still be covered. So in that case the liability protection will be more in coverage than the average Personal Coverage. Commercial companies register vehicles in a different way than personal. When obtaining a Commercial coverage more questions are asked to help protect more to also get a accurate quote.

The Right Coverage

So if you are trying to start a business with more than one employee and or one or more vehicles you will need to get a commercial policy over personal. It helps protect the owners employees and assets. They will need a greater amount of protection to be covered here in the Illinois and Indiana area.

By: Marcella Berent
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