Is Car Insurance More Expensive For People That Rent an Apartment or House in Chicago?

by | Jun 22, 2024

When considering the cost of car insurance, various factors come into play, including the driver’s age, driving history, and vehicle type. However, one often overlooked factor is the driver’s living situation. For residents of Chicago, the question arises: does renting an apartment or house impact car insurance premiums? This article delves into the nuances of car insurance rates for renters in Chicago, examining how living arrangements might influence insurance costs and what renters can do to ensure they receive the best possible rates.

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What are The Definitions and Differences Between Homeownership and Renting?

Before we begin looking into the various dwellings that may contribute to higher auto insurance premiums, we need to define and determine home ownership and renting is.

Homeownership refers to the state of owning a residential property. When individuals purchase a home, they obtain the legal title to the property and are responsible for its maintenance, taxes, and any applicable mortgage payments. Homeownership often involves a significant initial investment, including a down payment and closing costs, but provides the homeowner with equity in the property, which can appreciate over time.

Renting, on the other hand, involves paying a landlord for the use of a residential property for a specified period. Renters do not own the property and therefore do not build equity. Instead, they sign a lease agreement, which outlines the terms and conditions of their tenancy, including the monthly rent amount, duration of the lease, and responsibilities of both the tenant and the landlord.

The primary differences include:

Financial Commitment

Homeownership typically requires a substantial financial commitment, including a down payment, closing costs, and ongoing mortgage payments. Homeowners are also responsible for property taxes, insurance, and maintenance costs. According to the U.S. Census Bureau, the median sales price of new homes sold in the United States in 2021 was $408,800, reflecting the significant investment required for homeownership.

Renting usually involves lower upfront costs, such as a security deposit and the first month’s rent. Renters make monthly payments to their landlord, but they do not incur the costs associated with property taxes, major repairs, or homeowners insurance.

Equity and Investment

Homeowners build equity over time as they pay down their mortgage and as property values potentially increase. This equity can be a financial asset, providing homeowners with the ability to borrow against it or profit from its sale in the future. According to the Federal Reserve, U.S. homeowners had nearly $24 trillion in home equity at the end of 2020.

Renters do not build equity through their rental payments. The money paid in rent goes to the landlord, and there is no return on this expenditure for the renter. Renting is often considered a less stable investment since it does not offer the opportunity for property appreciation.

Flexibility and Mobility

Renting typically offers greater flexibility and mobility compared to homeownership. Lease agreements can range from month-to-month to several years, allowing renters to relocate with relative ease once their lease term ends. This flexibility can be particularly advantageous for individuals whose job or personal circumstances require frequent moves.

Homeownership generally involves a longer-term commitment. Selling a home can be a time-consuming and costly process, often taking several months and involving real estate agent fees, closing costs, and potential repairs or upgrades to make the property market-ready.

Responsibility and Control

Homeowners have full control over their property, including the ability to make modifications, renovations, and improvements. They are responsible for all maintenance and repairs, which can be both a benefit and a burden, depending on the nature of the work required.

Renters typically have less control over their living space, as they must adhere to the terms of their lease agreement and the landlord’s rules. Maintenance and repairs are generally the responsibility of the landlord, providing renters with the convenience of not having to manage these tasks themselves.

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Does Renting or Owning a House, Condo or Apartment Influence The Price of Auto Insurance Premiums in Chicago?

Yes. The cost of auto insurance premiums is influenced by a multitude of factors, and one of these is the policyholder’s living situation. Whether an individual rents or owns a house or condo can impact the price of their auto insurance premiums in Chicago. Insurers consider various elements associated with homeownership and renting when determining risk and, consequently, insurance costs.

Using statistics as a guide, homeowners are often perceived as more financially stable, which can lead to lower auto insurance premiums. The U.S. Census Bureau reports that homeowners are more likely to remain in one place for a longer period compared to renters, indicating less risk from the insurer’s perspective. This stability can translate to fewer claims and more responsible driving behavior, leading to reduced premiums.

The type of residence and its location play a significant role. Homeowners in areas with lower crime rates and better infrastructure are likely to benefit from lower auto insurance premiums. According to the Chicago Police Department, neighborhoods with higher crime rates, which may be more common in some rental areas, can lead to higher auto insurance premiums due to increased risks of theft and vandalism.

Insurers often provide discounts for bundling multiple policies, such as home and auto insurance. Homeowners are more likely to take advantage of these bundling discounts, resulting in lower overall premiums. Renters may also bundle renters insurance with auto insurance, but the discounts are typically less substantial compared to home and auto insurance bundles. The National Association of Insurance Commissioners (NAIC) highlights that bundling can save policyholders up to 25% on their premiums.

Did you know that both homeowners and renters have their credit scores evaluated by insurers as part of the risk assessment process? Studies by the Federal Trade Commission (FTC) show that there is a correlation between credit history and insurance claims. Homeowners often have higher credit scores, which can lead to lower premiums. Renters, who may have lower credit scores on average, might face higher premiums as a result.

Lastly, the distance driven annually and the nature of the daily commute can also influence premiums. Homeowners often live in suburban areas and may have longer commutes, but these commutes can be less congested and safer compared to urban driving. Renters in urban areas, like downtown Chicago, may have shorter but more hazardous commutes. According to the U.S. Department of Transportation, urban driving environments can increase the likelihood of accidents, affecting premiums.

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What Other Factors Influence The Price of Auto Insurance Premiums in Chicago?

Auto insurance premiums in Chicago are determined by a variety of factors, each playing a significant role in the overall cost of coverage. Insurers assess these factors to gauge the level of risk associated with insuring a particular driver. Here, we explore the primary determinants that influence auto insurance premiums in Chicago.

Driver’s Age and Experience

Young and inexperienced drivers are often perceived as high-risk, leading to higher premiums. In a study performed by the Insurance Institute for Highway Safety (IIHS), it was stated that drivers aged from 16 to 19 years old are almost three times more likely to either case or be involved in a fatal crash than those aged 20 and older. Consequently, younger drivers typically face steeper insurance costs compared to their older, more experienced counterparts.

Driving Record

A driver’s history on the road is a critical factor. Individuals with a clean driving record, free of accidents and traffic violations, are likely to enjoy lower premiums. Conversely, those with a history of speeding tickets, DUIs, or at-fault accidents may see a substantial increase in their insurance rates. The National Association of Insurance Commissioners (NAIC) highlights that even a single speeding ticket can raise insurance premiums by 15% on average.


The specific location within Chicago can significantly impact auto insurance rates. Factors such as population density, crime rates, and traffic conditions in a given area are considered by insurers. Neighborhoods with higher incidences of vehicle theft, vandalism, or accidents tend to have higher insurance premiums. For instance, data from the Chicago Police Department indicates that certain areas on the South and West sides of the city have higher crime rates, which can influence insurance costs.

Vehicle Type and Usage

The make, model, and age of a vehicle also play a role in determining insurance premiums. Luxury cars, sports cars, and newer models generally cost more to insure due to their higher repair and replacement costs. Additionally, the vehicle’s safety features and the likelihood of theft are considered. According to the Highway Loss Data Institute (HLDI), vehicles with advanced safety features such as automatic braking systems may qualify for discounts, reducing insurance premiums.

Coverage Levels and Deductibles

The extent of coverage selected by the policyholder directly affects the premium. Comprehensive and collision coverage provide broader protection but come at a higher cost compared to liability-only policies. Additionally, the deductible amount chosen by the insured also influences the premium. Higher deductibles typically result in lower premiums, as the policyholder agrees to pay more out-of-pocket in the event of a claim.

Credit History

In Illinois, like many other states, insurers use credit scores as a factor in determining auto insurance premiums. Studies by the Federal Trade Commission (FTC) have shown a correlation between credit history and the likelihood of filing insurance claims. Therefore, individuals with poor credit scores may face higher premiums, while those with excellent credit may benefit from lower rates.

Annual Mileage

The amount of driving a policyholder does each year can impact their insurance premium. Drivers who log higher annual mileage are at greater risk of being involved in accidents, leading to increased premiums. Conversely, individuals who drive fewer miles annually may qualify for low-mileage discounts. The U.S. Department of Transportation notes that the average American drives approximately 13,500 miles per year, which serves as a benchmark for insurers.

Understanding the factors that influence auto insurance premiums in Chicago can help drivers make informed decisions about their coverage. Age, driving history, location, vehicle type, coverage levels, credit history, and annual mileage all play significant roles in determining the cost of insurance. By considering these factors, Chicago drivers can better navigate the complexities of auto insurance and potentially reduce their premiums through informed choices and safer driving practices.

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What is The Specific Financial Impact of Renting a House or Apartment in Car Insurance?

According to a 2021 study by the Insurance Information Institute (III), renters pay an average of 6-7% more for auto insurance compared to homeowners. For instance, if the average annual auto insurance premium for homeowners is $1,200, renters might expect to pay approximately $1,272 to $1,284 annually.

The National Association of Insurance Commissioners (NAIC) reports that bundling home and auto insurance can save homeowners up to 25% on their premiums. For a homeowner with a base auto insurance premium of $1,200, this could mean savings of up to $300, reducing the premium to $900. Renters bundling renters and auto insurance might only see savings of around 10-15%, resulting in a more modest reduction. For a renter with a base auto insurance premium of $1,284, a 10-15% discount would save between $128 and $193, lowering the premium to approximately $1,091 to $1,156.

The FTC indicates that individuals with excellent credit scores pay significantly lower premiums. Homeowners typically have higher credit scores, often reducing their premiums by 10-20%. For example, a homeowner with a good credit score might see their premium drop from $1,200 to between $960 and $1,080. Renters, who may have lower credit scores, might not benefit from these reductions, maintaining higher premiums closer to $1,284.

Data from the Chicago Police Department highlights that neighborhoods with higher crime rates can lead to increased auto insurance premiums. In some high-risk areas like:

  • West Garfield Park
  • Englewood
  • North Lawndale
  • South Shore
  • Austin

… premiums can be 20-30% higher. If a renter lives in such a neighborhood, their premium might rise from $1,284 to as high as $1,669. Homeowners in safer neighborhoods might only face a smaller increase, keeping their premiums lower.

By understanding these financial implications, renters can explore ways to mitigate higher costs, such as improving their credit scores and seeking competitive quotes.

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If I Live in Chicago and Rent a House Will My Car Insurance Rate Be Less Compared To Renting and Living in an Apartment?

Living in a house typically means residing in suburban or lower-crime areas compared to apartments in urban settings. According to data from the Chicago Police Department, neighborhoods with higher concentrations of apartments tend to have higher crime rates. This increased risk can result in higher insurance premiums.

For example, in lower-crime neighborhoods like Lincoln Park, Edison Park, Mount Greenwood and Beverly where houses are more common, the average annual premium might be around $1,200. In contrast, an apartment in a higher-crime area could have a premium closer to $1,500, reflecting a 25% increase due to the elevated risk.

Do Parking Arrangements Make a Difference?

Yes. Houses often come with private driveways or garages, which offer better protection for vehicles. Apartments may rely on street parking or shared lots, which are more vulnerable to theft and damage. The Insurance Information Institute (III) notes that secure parking can lower premiums by up to 10%.

For instance, if the base premium is $1,200 for a car parked in a private driveway, the same car parked on the street might see a 10% increase, bringing the premium to $1,320.


Renting a House in a Lower-Crime Area with Secure Parking:

  • Base premium: $1,200
  • 10% secure parking discount: -$120
  • Potential bundled discount (up to 25%): -$300
  • Adjusted premium: $780

Renting an Apartment in a Higher-Crime Area with Street Parking:

  • Base premium: $1,200
  • 10% increase for street parking: +$120
  • Higher crime rate increase (25%): +$300
  • Adjusted premium: $1,620

Renting a house in Chicago can potentially result in lower car insurance premiums compared to renting an apartment.

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What Are The Statistics For Home Owners Vs. Renters When Comparing The Costs of Auto Insurance Premiums?

When comparing the costs of auto insurance premiums for homeowners versus renters, several statistics highlight the differences due to perceived risk and financial stability.

Premium Differences

According to a 2021 study by the Insurance Information Institute (III), renters generally pay about 6-7% more for auto insurance compared to homeowners. This increase is attributed to factors such as financial stability, credit scores, and the opportunity to bundle insurance policies.

  • Homeowners: Average annual premium around $1,200
  • Renters: Average annual premium approximately $1,272 to $1,284, reflecting a 6-7% increase

Bundling Discounts

Homeowners benefit more from bundling home and auto insurance policies, with potential savings of up to 25%, as reported by the National Association of Insurance Commissioners (NAIC). Renters bundling auto and renters insurance typically see lower discounts, around 10-15%.

  • Homeowners: Could save up to $300 annually by bundling, reducing premiums to $900
  • Renters: Might save between $128 and $193, lowering premiums to approximately $1,091 to $1,156

Credit Score Impact

Credit scores are a critical factor in determining insurance premiums. The Federal Trade Commission (FTC) indicates that higher credit scores result in lower premiums. Homeowners generally have higher credit scores, contributing to lower insurance costs.

  • Homeowners: With good credit scores, premiums can be reduced by 10-20%, potentially lowering a $1,200 premium to $960-$1,080
  • Renters: With lower credit scores, premiums are less likely to be reduced significantly, maintaining higher costs around $1,284

Neighborhood and Risk Factors

The location and type of residence influence insurance premiums. Houses in lower-crime neighborhoods generally have lower premiums compared to apartments in higher-crime areas. The Chicago Police Department’s data shows that urban areas with more apartments have higher crime rates, leading to increased premiums.

  • Lower-crime neighborhoods: Premiums around $1,200 for houses
  • Higher-crime areas: Premiums can rise to $1,500 or more for apartments

Homeowners typically enjoy lower auto insurance premiums compared to renters due to financial stability, the ability to bundle policies for significant discounts, and higher credit scores. Renters face higher premiums due to perceived increased risk and fewer opportunities for substantial discounts.

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Does The Zip Code of Where I Live in Chicago Affect My Auto Insurance Rate?

Yes. The zip code where you reside in Chicago significantly impacts your auto insurance rate. Insurers use geographic data to assess risk levels associated with different areas, and zip codes are a primary factor in this assessment. Several factors linked to your zip code contribute to this:

Crime Rates

Neighborhoods with higher crime rates, including vehicle theft and vandalism, lead to increased premiums. According to data from the Chicago Police Department, zip codes in areas such as West Garfield Park (60624) and Englewood (60621) experience higher crime rates, which result in higher auto insurance costs.

Traffic Density and Accident Rates

Zip codes with higher traffic congestion and accident rates also affect premiums. Urban areas like downtown Chicago (60601, 60602) see more traffic, leading to a greater likelihood of accidents, and thus higher insurance premiums. The Illinois Department of Transportation reports higher accident rates in these densely populated zip codes.

Historical Claims Data

Insurance companies analyze historical claims data from different zip codes. Areas with more frequent claims typically have higher premiums. For instance, the zip code 60623 (North Lawndale) may have higher premiums due to a higher frequency of claims compared to a suburban area like 60655 (Mount Greenwood), which has lower claims rates.

Some specific examples by zip code for comparison purposes include:

  • 60624 (West Garfield Park): Higher crime and accident rates lead to average annual premiums around $1,800
  • 60601 (Downtown Chicago): High traffic congestion and accident rates result in premiums around $1,600
  • 60655 (Mount Greenwood): Lower crime and claims frequency, with premiums averaging $1,200

Understanding these factors can help you anticipate and manage your auto insurance costs more effectively.

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Does My Credit Score Affect My Auto Insurance Rate?

Yes. Your credit score significantly affects your auto insurance rate. Insurers use credit-based insurance scores to predict the likelihood of filing claims, with higher scores typically resulting in lower premiums. Several key points illustrate this relationship:

What is The Statistical Impact?

According to the Federal Trade Commission (FTC), drivers with poor credit scores can pay between 20% to 50% more for auto insurance than those with excellent credit scores. For instance, a driver with a good credit score might have an annual premium of $1,200, while a driver with a poor credit score could pay between $1,440 and $1,800.

What About a Risk Assessment?

Insurers consider a high credit score as indicative of financial responsibility and stability, translating to lower perceived risk. Consequently, drivers with higher scores benefit from lower rates. The Insurance Information Institute (III) highlights that credit scores are among the top factors insurers use to assess risk and set premiums.

Some example premium differences for comparison purposes include:

  • Excellent Credit (800+): Average premium around $1,200 annually
  • Good Credit (700-799): Average premium around $1,320 annually
  • Fair Credit (600-699): Average premium around $1,500 annually
  • Poor Credit (below 600): Average premium around $1,800 annually

IMPORTANT NOTE: While most states allow the use of credit scores in determining auto insurance rates – and this includes Illinois – there are a few states, such as California, Hawaii, and Massachusetts, prohibit this practice.

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Does My Occupation Score Affect My Auto Insurance Rate?

Yes. Your occupation can affect your auto insurance rate. Insurers use occupation as one of the many factors to assess risk and determine premiums. This is because certain occupations are statistically linked to higher or lower risk driving behaviors.

Risk Assessment by Occupation

Low-Risk Occupations: Professionals such as engineers, scientists, teachers, and nurses are often considered low-risk due to their structured work environments and predictable routines. These occupations may qualify for lower premiums. According to a study by Quadrant Information Services, professionals in these fields can see premiums reduced by up to 10%.

High-Risk Occupations: Jobs that involve extensive driving, such as salespeople, real estate agents, and delivery drivers, are viewed as higher risk. This increased road exposure elevates the likelihood of accidents, leading to higher premiums. For example, a sales representative might pay 15% more for auto insurance compared to a teacher.

Unemployment and Retired Status: Being unemployed or retired can also influence rates. Retired individuals often receive discounts due to their reduced driving frequency and lower risk profile. Conversely, those without a stable job history might face slightly higher rates due to perceived financial instability.

What Are Some Statistics To Support This?

  • Lower Risk: Engineers, teachers, nurses – potential premium reduction up to 10%
  • Higher Risk: Salespeople, delivery drivers – potential premium increase of approximately 15%

While most states, including Illinois, allow insurers to consider occupation in setting premiums, it is subject to regulations to ensure fairness and prevent discrimination.

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If I File an Auto Accident Lawsuit in Chicago, Will That Increase My Car Insurance Price?

Yes. Filing an auto accident lawsuit in Chicago can indeed lead to an increase in your car insurance premiums. This increase is due to several reasons tied to risk assessment and claims history.

What is The Impact on Insurance Rates?

Increased Risk Perception: When you file a lawsuit, it indicates to insurers that you were involved in a serious incident, leading them to perceive you as a higher-risk driver. According to the Insurance Information Institute (III), drivers with claims are considered higher risk, and their premiums can increase by 20% to 40%.

Claims History: Filing a lawsuit often accompanies a claim. Even if you are not at fault, the claim itself goes on your insurance record, impacting your future premiums. A report by the National Association of Insurance Commissioners (NAIC) shows that drivers with at-fault accidents see a significant premium increase, sometimes exceeding 50%.

Litigation Costs: Legal proceedings can be expensive. Insurers factor in these costs, as they often have to cover legal fees and potential settlements. This additional financial burden is reflected in higher premiums.

What Are Some Specific Examples?

  • At-Fault Accident: If you file a lawsuit and are found at fault, your premium could increase from $1,200 to $1,800 annually, a 50% rise
  • Not-At-Fault Accident: Even if you are not at fault, your premium might still increase by 20%, raising a $1,200 premium to $1,440

Understanding the factors referenced about can help you prepare for potential changes in your insurance costs following a lawsuit.

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Are There Any Tips For Home or Apartment Renters To Help Reduce Auto Insurance Premiums?

Yes. Renters can take several steps to reduce their auto insurance premiums. Following are some specific tips:

Make Your Credit Score Better

Improving your credit rating can significantly lower insurance premiums. Did you know that many insurers use credit ratings as a method to help assess risk, and a higher score can result in reduced rates? According to the Federal Trade Commission (FTC), a good credit score can lower premiums by 10-20%.

Bundle Your Insurance Policies

Bundling your auto and renters insurance with the same provider can lead to discounts. The National Association of Insurance Commissioners (NAIC) reports that bundling can save up to 25% on premiums.

Choose a Higher Deductible

If you choose a higher deductible it can also reduce your premium. For example, increasing your deductible from $500 to $1,000 can reduce your annual premium by 10-20%.

Utilize Discounts

Take advantage of available discounts. Many insurers offer discounts for safe driving, installing anti-theft devices, or completing defensive driving courses. These discounts can collectively reduce your premiums by up to 30%.

Shop Around

Compare quotes from different insurers to find the best rates. Prices can vary significantly between companies, and shopping around can help you identify the most cost-effective option.

Maintain a Clean Driving Record

A clean driving record without accidents or violations can help keep your premiums low. Insurers reward safe driving with lower rates.

Some examples of premium reductions may include:

  • Credit Score Improvement: Increasing your credit score from fair to good could reduce a $1,200 premium to $960
  • Bundling Policies: Combining auto and renters insurance might reduce a $1,200 premium by up to $300
  • Higher Deductible: Raising the deductible from $500 to $1,000 could lower a $1,200 premium to $1,080

By improving credit scores, bundling policies, choosing higher deductibles, utilizing discounts, shopping around, and maintaining a clean driving record, renters can effectively reduce their auto insurance premiums.

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Do Auto Insurance Companies Treat Home or Apartment Renters Any Differently If They Are Hurt In a Car Accident?

It depends. Auto insurance companies primarily focus on the details of the accident and the driver’s risk profile when determining how to handle a claim after an accident. The fact that a policyholder is a renter — whether of a home or an apartment — does not directly influence the treatment they receive if they are hurt in a car accident.

Factors Considered by Insurers

Fault and Liability: Insurers evaluate who was at fault in the accident. If the policyholder is found to be at fault, their insurance rates may increase. The severity of injuries and damages also plays a role.

Claims History: A policyholder’s past claims history is critical. Frequent claims can lead to higher premiums, irrespective of the policyholder’s housing status.

Coverage Limits: The insurance company will examine the policy’s coverage limits to determine how much compensation the injured party is entitled to receive.

Medical Payments Coverage: Insurers consider whether the policy includes medical payments coverage, which helps pay for medical expenses regardless of fault.

Renters vs. Homeowners

While being a renter does not change the claims process, renters may face higher premiums generally due to perceived financial instability and higher risk profiles. Homeowners are often viewed as more financially stable, which can result in slightly lower premiums initially. However, after an accident, the focus shifts to driving history and claims rather than housing status.

What Does The Data Say?

Premium Impact: According to the Insurance Information Institute (III), drivers with claims pay approximately 20% more in premiums post-accident. This increase is based on the risk profile, not housing status.

Claims Process: Both renters and homeowners follow the same claims process, involving reporting the accident, submitting documentation, and undergoing a claims assessment.

Auto insurance companies do not treat renters differently from homeowners in the event of an accident. The treatment and adjustments to premiums post-accident are based on factors like fault, claims history, and coverage details rather than whether the insured is renting or owning their residence.

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What Should a Renter Do If They Get Hurt in a Chicago Car Crash?

If you are a renter and get hurt in a car crash in Chicago, taking the right steps is crucial for your health and potential legal claims. Here is a comprehensive guide:

    1. Get to a Doctor: Your safety and our health are the most important thing following a crash. Call 911 immediately if you or anyone else is injured. Even if your injuries seem fairly minor, it’s very important to get checked by a healthcare professional. Some injuries might not be immediately apparent.
    2. Report the Accident: Contact the Chicago Police Department to report the accident. Ensure you get a copy of the police report, as it will be vital for any legal or insurance claims.
    3. Exchange Information: Collect information from all parties involved in the accident, including:
      • Names, addresses, and contact information
      • Insurance details
      • Vehicle details (make of the vehicle(s) involved, the model, and license plate number)
      • Witness contact information, if any
    4. Document the Scene of the Incident: Use a cellphone to take as many photographs of the accident scene as you can, including:
      • Damages to the vehicles involved
      • Road conditions
      • Traffic signs and signals
      • Any known &/or visible injuries
    5. Contact Your Car Insurance Provider: To advise them of the accident as soon as you can. Provide them with all necessary details and documentation. Be honest and accurate in your description of the incident.
    6. Keep Records: Keep detailed records of any medical treatment(s) you may receive, associated expenses, and any time missed from work due to the accident. This documentation will be critical if you pursue a legal claim.
    7. Reach out to an Auto Accident Lawyer: You may want to think about calling a Chicago-based car accident lawyer. Injury Law Support can connect you with experienced local attorneys who can help you understand your legal rights and options. They can assist you in navigating the complexities of personal injury claims and help to recover fair compensation on your behalf.
    8. Follow Up on Medical Treatment: Adhere to all medical advice and attend follow-up appointments. Proper medical documentation is essential for both your recovery and any potential legal proceedings.

Taking these types of steps after a car crash can protect your health and legal rights. Injury Law Support offers free services to connect accident victims with qualified car accident lawyers, providing valuable assistance in pursuing your claims and achieving a fair outcome.

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