One option is through the Illinois Automobile Insurance Plan. To qualify for its coverage, you must be turned down by other insurance companies, have a valid driver’s license or be eligible to apply for one, not owe an outstanding premium for prior insurance coverage during the past 36 months, and own a vehicle that is safe to drive. The premiums typically are higher than in the standard insurance markets; however, if you maintain a safe driving record, you may be able to eventually get insurance through a regular company.
The Stalking No Contact Order Act (SNCO) protects those who may not be covered under the Illinois Domestic Violence Act. It can be useful in a domestic relations context if an ex-partner uses a third party (such as a friend or relative) to stalk a victim. Under the SNCO, the court can take several actions, such as prohibiting the stalker from threatening to commit stalking, committing stalking, and any contact with the victim and/or protected persons.
The Do Not Call laws were established to provide protections to limit unwanted phone solicitations to a person’s home or cell phone, but be aware there are exceptions. They include calls from organizations with which you have a business relationship; calls for which you have given prior written consent; calls that are not commercial or do not include unsolicited advertisements; and calls by or on behalf of tax-exempt, nonprofit organizations. Consumers who may not have signed up for the Do Not Call Registry can do so at https://donotcall.gov/register/reg.aspx or by calling (888) 382-1222.
Experts advise home owners to be on the lookout for potential scammers who sometimes take advantage of these situations. You should verify that the contractor you use has the necessary insurance and required permits. Avoid rushing into signing a contract or making a down payment. More tips are available at the Illinois Attorney General’s website.
Having title means you legally own the property. But even with title, problems can arise that make it defective. Most home buyers purchase title insurance to protect themselves from financial loss in case title problems surface. The one-time payment, which is determined based on the value of your property, will cover the cost of your legal defense should the need arise.