With the increased popularity of purchasing automobile insurance online, without the advice of an agent or broker, and carriers allowing you to “pick your coverage”, many insured get an unpleasant surprise when they make a claim. Carriers are using unlisted driver, ride-share use, rented vehicle, and business use exceptions to deny claims when proper coverage was not purchased. Be sure you know the coverage you need and the coverage you bought.

This Bulletin is designed to provide our friends and clients with information regarding the various subject matters covered, it is not designed to take place of legal, accounting, or other professional advice.  If expert assistance is required, the services of a competent professional should be sought. This memorandum may constitute advertising under the rules regulating Illinois attorneys.