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Automobile insurance protects you against financial loss that could result from an auto accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

It's really all about protecting yourself financially. 

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Illinois law (625 ILCS 5/7-601) requires all motor vehicle owners to have minimum amounts of auto liability insurance.  In addition, lending institutions may require physical damage insurance to protect their interest in a financed vehicle.

Required Auto Insurance Coverages

  • Liability Coverage – Pays for bodily injury to another person or property damage you cause due to the negligent operation of a vehicle.  It may also pay if the accident was caused by a member of your family living with you or a person using your vehicle with your permission.  The coverage may also pay for a legal defense if you’re sued because of the accident.  Liability coverage is often split into two separate coverages:
    • Bodily Injury (BI) – Pays for costs due to injury or death to a pedestrian(s) or person(s) in another car.  It may also cover your passengers’ injury costs as long as they aren’t members of your household.  Illinois law (625 ILCS 5/7-203) requires BI limits of at least $20,000 per person per accident and $40,000 total per accident.
    • Property Damage (PD) – Pays for damage to another person’s car or property such as fences, buildings, utility poles, signs, and trees.  Illinois law (625 ILCS 5/7-203) requires PD liability limits of at least $15,000 per accident.
  • Uninsured Motorist Bodily Injury Coverage (UM) – Covers you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance.  Currently, Illinois law (215 ILCS 5/143a) requires uninsured motorist limits of $20,000 per person and $40,000 per accident. For additional premium, you may buy higher limits to pay for claims that exceed those amounts.
  • Underinsured Motorist Bodily Injury Insurance (UIM) – Pays the difference between your UIM limits and the liability limits of the at-fault driver, if lower than your UIM limits.  Illinois law (215 ILCS 5/143a-2) requires this type of coverage if you purchase higher limits of uninsured motorist bodily injury coverage (UM).

Kankakee, Illinois

Kankakee is a city in Kankakee County, Illinois, USA. The city's name probably comes from the comes from the Miami-Illinois word teeyaahkiki, meaning: "Open country/exposed land/land in open/land exposed to view," in reference to the area's prior status as a marsh. As of the 2000 census, the city population was 25,561, and 26,840 as of a 2009 estimate. It is the county seat of Kankakee County. Kankakee is a principal city of the Kankakee–Bradley Metropolitan Statistical Area, which includes all of Kankakee County.

Illinois

Illinois is the 25th most extensive and the 5th most populous of the 50 United States, and is often noted as a microcosm of the entire country. With Chicago in the northeast, small industrial cities and great agricultural productivity in central and northern Illinois, and natural resources like coal, timber, and petroleum in the south, Illinois has a broad economic base. Illinois is a major transportation hub. The Port of Chicago connects the state to other global ports from the Great Lakes, via the St. Lawrence Seaway, to the Atlantic Ocean; as well as the Great Lakes to the Mississippi River, via the Illinois River. For decades, O'Hare International Airport has ranked as one of the world's busiest airports. Illinois has long had a reputation as a bellwether both in social and cultural terms and politics.

HomeStar Insurance Services

HomeStar Insurance Services is an independent agency with 42 years of insurance experience in Kankakee County. For 28 years we operated as Stauffenberg Insurance Agency before joining HomeStar Bank in 1998. In the past 14 years we have expanded our services into 5 branch offices in Kankakee and Will Counties. 

Our “customer first” commitment to personal service combined with our experienced staff helps customers select a plan that offers the best  value and the best terms for their insurance needs.  We specialize in auto, home, business, health and life insurance in Kankakee, Bradley, Bourbonnais, Manhatthan, Manteno and surrounding areas in Illinois. Call us today for a free Kankakee auto insurance quote at 815-468-8763.


(Source: Wikipedia.com)
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LOCATIONS 
BRADLEY BOURBONNAIS MANTENO KANKAKEE MANHATTAN





Scott and Rhonda
435 E. North St.
Bradley, IL 60915
Phone (815) 929-2203
Fax (815) 929-2207
Ted, Michelle & Genya
576 Latham Dr.
Bourbonnais, IL 60914
Phone (815) 929-2200
Fax (815) 937-3885
Jim, Josh, Brittnee & Aimee
303 Section Line Rd.
Manteno, IL 60950
Phone (815) 468-8763
Fax (815) 468-7563
Brian and Jacci
303 Section Line Rd.
Manteno, IL 60950
Phone (815) 468-2776
Fax (815) 468-2371
Suzie, Cheryl, & Kristina 
255 E. Station Street
Kankakee, IL 60901
Phone (815) 352-4655
Fax (815) 932-6744
Josh
25640 S. Gougar Rd.
Manhattan, IL 60442
Phone (815) 468-8763
Fax (815) 468-7563