Yes. Even while stored, your vehicle can be damaged by fire, storms, theft, vandalism, or other covered losses.

Usually not. Motorhomes require their own insurance policy, while towable RVs often need separate physical damage coverage and rely on your auto policy for liability while being towed.

No — standard personal auto policies exclude commercial use, and rideshare driving falls into that gap. Uber and Lyft provide some coverage while you have a passenger, but there’s a window — when the app is on and you’re waiting for a ride request — where neither your personal policy nor the platform’s commercial policy applies cleanly. A rideshare endorsement fills that gap for a modest additional premium. If you drive for a rideshare company even occasionally, it’s a coverage conversation worth having.

If you’re financing or leasing a vehicle, GAP coverage is worth serious consideration. When a car is totaled or stolen, your insurer pays its actual cash value — which depreciates the moment you drive off the lot. If you owe more on your loan or lease than the car is worth at the time of the loss, that gap is your problem without this coverage. New vehicles can depreciate 15–20% in the first year alone. GAP coverage pays the difference so you’re not making payments on a car you no longer have.

Yes — and in Chicago, it’s one of the most important coverages you can carry. Comprehensive covers theft, vandalism, hail, and animal strikes — none of which collision coverage touches. With over 23,000 vehicles stolen in Chicago in 2024 alone and the city ranking among the top three theft markets in the country, treating comprehensive as optional is a significant financial risk. If your vehicle is financed or leased, your lender already requires it. If it’s paid off, the math still usually favors keeping it.

Illinois requires minimum liability coverage of $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage — plus uninsured motorist coverage at the same bodily injury limits. What the law requires and what actually protects you are two different things. In Chicago, where repair costs, medical bills, and legal exposure routinely exceed minimums, carrying only the state-required limits can leave you personally responsible for the difference. We help drivers find the right coverage level for their actual risk — not just the legal floor.