4 driving rules every Bourbonnais, IL driver should master

Modern vehicles are packed with technology and safety features to keep you safe when driving. However, it’s imperative to understand that driving in Bourbonnais, IL is not a right but a privilege. That’s why you must abide by the law, buy the required amount of insurance, drive safely, and ensure every passenger in your vehicle is safe. With that said, here are four rules you must follow when driving around Illinois.

Keep to the required speed limit

Speeding only increase your chances of getting into an accident. In Illinois, you can be charged heavily for overspeeding. If you are going somewhere and need to get there on time, leave early and drive slowly and carefully to the venue. Remember, overspeeding doesn’t get you anywhere on time, and it only increases the chances of not arriving at all. Experts at George Ryan Jr. Insurance Group Inc recommend sticking to the required speed limit when driving.

Carry your license and insurance with you

Illinois road rules require every driver to carry their license to drive legally in the state. Even if you are just driving a few blocks down the street, you need to have your insurance and license with you. Failure to produce any of the documents leads to fines, license revocation, or suspension.

Stop when required to

Many drivers tend to slow down at a stop sign instead of coming to a complete stop. This can be dangerous when you are distracted or in a rush, and you may end up hitting a motorcyclist, pedestrian, cyclist, or another vehicle.

Drive defensively

Don’t always assume that people will do the right thing. For instance, some people don’t signal when changing lanes or turning, which can seriously put you in a compromising situation if you are speeding or not keeping a reasonable distance. Driving defensively means you are aware that not every driver you meet is as careful as you are. Therefore, anticipate awkward or abrupt movements and get out of the way, stop the car, or slow down.

Looking to buy auto insurance in Bourbonnais, IL? George Ryan Jr. Insurance Group Inc has everything you need to drive safely. Contact us for a customized policy just for you.

What type of life insurance is right for me?

When you live in the Bourbonnais, IL area, you will want to get a proper personal insurance plan in place. For anyone that has dependents and people that rely on their income, getting life insurance is extremely important. This type of coverage can ensure that your loved ones will continue to be cared for financially. If you do want a new life insurance policy, choosing the right type is important. It is important to understand the differences between your options.

Whole Life Insurance

When you invest in a whole life insurance policy, you will find that your monthly premium payments can be more than other options. However, with a whole life insurance policy, you are going to receive protection for as long as you want it if you continue to make payments. Additionally, a whole life insurance policy will offer you investment benefits as some of your monthly payments can build in an account that will grow with interest.

Term Life Insurance

You should also consider getting term life insurance. If you do get term life, you are going to have the ability to build a plan that meets your specific needs based on your term length and the coverage amount. Further, the monthly payments that you have tend to be more affordable than other options that you have.

Anyone that is going to try and get life insurance in the Bourbonnais, IL area should make sure that they learn about their different options. When you are looking to get into a life insurance policy, you should call George Ryan Jr. Insurance Group Inc. The team with George Ryan Jr. Insurance Group Inc knows how important it is that you get proper life insurance coverage. They will be able to assess your needs and situation to make sure you get the right coverage. 

Should I get life insurance in Illinois?

Anyone that lives in the Bourbonnais, IL area is going to have many forms of insurance that they need to get. While good insurance policies will offer you some protection for your assets as well as liability coverage, another very important form of insurance that you need to get is life insurance. There are several reasons that you should get a full life insurance policy when you are in this area of Illinois.

Insurance Offers Financial Protection

One of the advantages and reasons to get life insurance is that it offers valuable financial protection. Anyone that has people that they care about will want to ensure they will be taken care of in the future. One way that you can do this is by getting life insurance. With life insurance, you can build a policy that will offer curtailed coverage to meet the needs of your dependents and yourself. 

Investment Option

You should also get life insurance as it could double as a conservative investment option. When you are looking for life insurance, you should consider whole life. With this coverage, some of your monthly payments will build up in an account. In the future, you will be able to liquidate the balance of the account. 

Life insurance continues to be one of the most important forms of insurance that someone in the Bourbonnais, IL area can get. When you are looking for a new policy, it would be a good idea to call the George Ryan Jr. Insurance Group Inc. If you do reach out to the George Ryan Jr. Insurance Group Inc you can learn more about how this insurance will protect you. They can easily explain to you all of your options so you are able to choose a policy that is ideal for your situation. 

Inaccurate Health Insurance Information Illinois Residents Must Avoid While Researching Policies

George Ryan Jr. Insurance Group Inc assists the Bourbonnais, IL community, as well as the surrounding areas, through offering residents multiple types of insurance coverage. It’s important to us to provide our clients with multiple options so that they can find the coverage that suits their needs.

Inaccurate Health Insurance Statements

Health insurance allows you to receive the care that you need during times when you need medical attention. If you are dealing with an illness and you need to go the local Bourbonnais IL hospital, the policy will cover your treatment options. Health insurance also covers basic maintenance care such as your yearly checkups. Health insurance also covers your rehabilitation after a serious injury. As you research different policies, avoid some of the inaccurate information regarding health insurance.

Health Insurance Is Only Beneficial If You Are Older

This is a completely inaccurate statement. Health insurance is an asset during every part of your life, not just as you age. An accident can happen at any time. Health insurance provides a safety net if you suddenly become ill or get injured due to an unexpected accident.

I Have Group Coverage

If you are covered through your employer’s group policy, this should not prevent you from researching your own individual policy. Having your own policy means that you are not reliant on someone else if you need urgent medical care.

The Policy Won’t Cover Unique Recovery Methods

Thanks to the recent technological advancements, there are new treatment options currently available. You can amend your policy to cover innovative treatment methods such as acupuncture. If you are seeking an alternative type of treatment, your policy should support these methods.

Consult With George Ryan Jr. Insurance Group Inc

Visit our website today to learn more information about health insurance.

Is Commercial Insurance Required in Illinois

Similar to other states, Illinois requires that any commercial business registered in the state carry both workers’ compensation insurance and commercial auto insurance for any business-owned vehicles. Keep in mind, that this is not to say that businesses are not allowed to have additional coverage and, in fact, many commercial enterprises opt for additional insurance beyond the state minimums to ensure that their livelihoods are protected. 

Regardless of whether you have full-time or part-time employees, any business with at least one employee is required to have workers’ compensation insurance which helps pay for medical expenses related to workplace injuries or illnesses. Additionally, any business-owned vehicles must be covered by commercial auto insurance and while it is not required businesses are strongly urged to have non-owned and hired auto insurance if they require their employees to use their personal vehicles for work-related functions. While this may seem trivial, it is important to note that the vast majority of personal auto insurance policies exclude business use from coverage which could be your employees in an extremely tricky and expensive situation should they be involved in an accident while on the clock. 

Although it is not required, businesses in Illinois may want to speak with an insurance professional to discuss additional commercial insurance coverage. For instance, if your business stores confidential data on their servers or in the cloud then you are at a higher risk of a cyber-attack or data breach. Consequently, purchasing cyber liability insurance may make sense because it will help pay for legal fees, identity protection monitoring programs, and much more. 

When it comes to shopping for commercial insurance, contact the George Ryan Jr. Insurance Group Inc in Bourbonnais, IL for friendly service and customizable policies. Give us a call today to learn more.

Three things Illinois homeowners should know about home insurance

Choosing the right Illinois home insurance policy is important for protecting the investment you make in your home. At George Ryan Jr. Insurance Group Inc we offer Bourbonnais, IL homeowners home insurance policies to meet their needs and protect their homes.

The following are three things you need to know about home insurance in Illinois.

Home insurance is required by Illinois mortgage lenders.

Carrying home insurance is not a legal requirement for most homeowners. However, it is generally a requirement of mortgage lenders.

This means that you need to invest in home insurance if you borrowed money to purchase your home. You will be required by your mortgage lender to continue carrying home insurance until your mortgage loan is paid off. 

You can choose between a replacement cost or an actual cash value policy.

One of the main decisions you need to make when you buy your policy is whether you want to invest in a replacement cost or actual cash value policy.

Generally speaking, a replacement cost policy will offer you more coverage. That’s because a replacement cost policy compensates you for claims without factoring in the amount of depreciation that has occurred in your home’s value over time. 

While replacement value policies offer more coverage, they also tend to be more expensive than actual cash value policies. 

It’s a good idea to reevaluate your home insurance coverage annually. 

Your home insurance needs can change over time. That’s why it’s a good idea to review your home insurance coverage every year. You may decide to purchase additional coverage or to take some types of coverage off your policy as your home’s value and your financial situation changes over time. 

Find the right Illinois home insurance policy with our help at George Ryan Jr. Insurance Group Inc. We can keep you informed about your home insurance options in Bourbonnais, IL. 

Access Reliable Auto Insurance Policies in Bourbonnais, IL

Vehicles nowadays have immensely helped in making work easier for the human race. A big percentage of people in Bourbonnais, IL use cars or vehicles for transporting people and business operations. It’s very important for you as a vehicle owner to insure your vehicle. We at George Ryan Jr. insurance Group Inc. aim at providing high standard insurance services for you. The policies outlined below are readily available at our firm:

Property damage policy

 There are different ways in which you use your vehicle, be it transport or business matters. Either way, accidents may be incurred. Damage of property may occur in many ways such as:

  • Collisions
  • Theft
  • Fire outbreak

We at Bourbonnais, IL, offer compensation for any property damage within the cars’ doors. George Ryan Jr. Insurance Group Inc. gives you and your family confidence while on the road anytime and your businesses included.

Motorists Coverage Policy

Motorist coverage policy involves all the cars you come into contact with on the road apart from your car. This policy protects you from being charged in case you cause an accident on the road. We advise our members and those people who are yet to purchase insurance coverage, to include Motorists coverage policy in their purchases, to escape these charges. The motorist coverage policy portrays care and compassion towards your fellow motorists on the roads.

Bodily injuries

Often, bodily injuries are accompanied by property damage. This is evident in cases of accidents. At Bourbonnais, IL, we cover the person behind the wheels. The other people who might be in the car during an accident fall under a different policy. If you purchase this policy, you get total compensation for resultant injuries from the accident. To get more details or need to ask questions, please contact us today.

Recreational Insurance Isn’t Only For RVs and Motor homes

If you own recreational vehicles and toys such as jet skis, ATV’s or snowmobiles, you should have Recreational Insurance. Do not assume your homeowners’ insurance or auto insurance policies cover these recreational items. 

On The Water

Illinois provides access to the Mississipi River and Lake Michigan. If you own a small personal watercraft such as a jetski, protect yourself and your passengers against financial loss caused by injury, liability, or theft. Other watercraft drivers may be inexperienced, underinsured, or intoxicated.  If you have questions about personal watercraft coverage, ask the insurance agents at George Ryan Jr. Insurance Group Inc., in Bourbonnais IL. 

On the Land

If you ride your ATV on any highway, roadway, or traffic right of way, you must have insurance meeting the minimum requirements of Illinois. Letting non-household members drive or ride your ATV is an excellent reason to have quality insurance coverage. Insurance is available for three-wheelers, four-wheelers, UTVs, and dune buggies. You will need liability insurance if you plan to ride your snowmobile on public trails, or if you drive a moped. 

A newer type of bicycle, the electric bike or pedelec, does not require insurance in Illinois. However, since the law classifies the vehicle as a bicycle, riders are not required to pass a driver’s test. If you ride your electric bike around other pedelec riders, you should consider purchasing insurance. 

Contact us for more information.

Make sure you have reliable insurance coverage for your small recreational vehicles. Allow the insurance professionals at George Ryan Jr. Insurance Group Inc. to assist you in finding the right policy for your situation. If you would like more information about Recreational Insurance, visit our Recreational Insurance webpage or contact our Bourbonnais, IL office today with your questions. We would love to provide you with a personalized quote. 

Will My Motorcycle Insurance Cover What’s In The Saddlebags?

A basic motorcycle insurance policy in Bourbonnais, IL only covers the bike itself. This means that anything that’s attached to the bike, even if it’s installed, like a new windscreen or customized gas tank, will not be covered.

But, you can get all of those accessories covered with an "add on" rider. This will cover things like new seats, custom rims, and so on, and saddlebags.

It probably won’t cover anything that’s in the saddlebag.

Whatever you have in the saddlebags, those aren’t permanent fixtures on the bike. Your maintenance tools, a change of clothes, camping gear, whatever it is, it’s something that you can easily take right out of the bag and into your home, down to the lake, wherever it is you’re headed. So that’s not going to be covered on your motorcycle insurance policy.

Those items will be covered on your home insurance policy, renters policy or condo policy, as long as they are included in your insurance inventory. These policies provide protection even when you’re away from home. So if you’re on a long road trip and you come out of your motel room one morning to find someone’s looted your saddlebags, you’re covered, just so long as you’ve included those items on your home inventory.

On the other hand, if your bike is stolen, you’ll need to file two claims: One with your motorcycle insurer, and one with your home insurer. The saddlebags will probably be covered by your motorcycle insurer, as long as you’ve purchased an add on the rider, while their contents will be covered by home insurance.

If you’re still shopping around for motorcycle insurance before you head out on your next road trip out of Bourbonnais, IL, get in touch with George Ryan Jr. Insurance Group Inc. Here at George Ryan Jr. Insurance Group Inc we can compare several quotes to get you the policy that fits your needs.

Do You Really Need Flood Insurance?

Flood insurance is one of those kinds of insurance that you don’t really need until you really, really need it. Realistically you can say that about most kinds of insurance (outside of those you are legally required to have). Hopefully, you never need flood insurance. However, it is a form of protection that can help you save thousands, if not tens of thousands of dollars, in repair damages. So while you don’t need flood insurance by law, having it will offer you peace of mind. If you live in greater Bourbonnais, IL our team here at George Ryan Jr. Insurance Group Inc is here to help you find the flood insurance that’s right for you, your property, and your budget.

Flooding Can Happen A Number Of Ways

When you think of flooding you probably picture Florida homes filling with water after a major hurricane. Naturally, in Illinois this isn’t a problem you’ll face. However, flooding can occur in other instances. A pipe might burst in your basement during the winter. Or a crack in the foundation might cause the basement to leak and eventually flood. Flood and water damage can occur if there is a fire in your house as well, due to the amount of water needed to put the fire out. 

Protect Your Home With Flood Insurance

While not a required form of insurance, it can be a huge financial saver if you ever experience flooding. From a burst pipe to water from fire damage, there are all kinds of reasons why you will want to take out flood insurance. If you want to know more about it and what might work for your particular Bourbonnais, IL property, our staff at George Ryan Jr. Insurance Group Inc is standing by and ready to assist you.