Business receives an ILIVS letter
Action:Contact your insurance agent immediately.
Provide:
- Reference number
- Verification date
- VIN
If valid coverage existed, your agent or insurer may need to verify it electronically.
Registration is suspended
Action:Do not operate the affected vehicle.
Obtain liability insurance and follow the Illinois Secretary of State reinstatement instructions.
Read more:Illinois Mandatory Insurance
New employee will drive company vehicles
Action:Provide the driver's information to your agent before regular vehicle use begins.
Employee uses personal car for work
Action:Discuss Non-Owned Auto Liability with your agent.
Require the employee to maintain personal auto insurance.
Business rents vehicles
Action:Review Hired Auto Liability and Hired Auto Physical Damage before renting.
Vehicle use changed
Example:
A service van begins making regular deliveries.
Action:Notify the insurance company.
Business use is an important underwriting factor.
Vehicle garaging location changed
Action:Update the policy.
Do not leave an old address simply because the business mailing address did not change.
Customer requires $1 million Auto Liability
Action:Send your agent the exact insurance requirement or contract.
The agent can determine whether the current policy satisfies it.
Customer asks for Additional Insured
Action:Send the exact contract wording.
A Certificate alone may not satisfy the requirement.
Lender says vehicle insurance is missing
Action:Verify:
- VIN
- Comprehensive
- Collision
- Deductibles
- Loss Payee
- Lender address
Provide updated evidence of insurance.
Commercial Auto renewal increased significantly
Action:Review:
- Drivers
- Vehicles
- Loss history
- Limits
- Deductibles
- Garaging
- Vehicle use
- Alternative insurance carriers
Incorrect old driver or vehicle information should be removed where appropriate.