Category Archives: Auto

Millions of people get in a car accident each year. While it’s not something anyone wants to think about, most drivers experience at least a minor incident at some point in their lifetime.

Accidents can be a highly stressful experience for a variety of reasons. Even if no one is injured, it can still be difficult to think calmly about the proper steps to take next. Therefore, it’s good to be familiar with what actions might follow in case you need this information someday.

What actions should you take if you have been in a car crash?

Taking a few minutes to review the Illinois State Bar Association website (or one pertaining to the state you live in) will cover the basics that every driver should know.

Generally speaking, someone who has been in any car accident involving damages – whether to property or a person – has a legal obligation to report the incident to the police. If there are multiple drivers, they should exchange their:

• Name
• Address
• Vehicle registration number

Get police and any necessary medical assistance ASAP.

Local police will want to know precisely what happened. A few things for drivers to remember:

1. Get the officer’s name.
2. Get their contact information.
3. Follow any instructions they give you.
4. Inquire about getting a copy of the police report.

Were there witnesses?

Even without injuries, people can be pretty shaken up after a fender bender, let alone something more serious. If possible, try to get the contact information of anyone who witnessed the accident. Their account of what happened might come in handy later on.

Contact your auto insurance provider.

Your auto insurance company will need to know about the accident in order to take the appropriate steps. Therefore, contact them when you are able. For more information on what may happen next, you can check out the “Conditions” or “Duties After Loss” section of your insurance policy. The Illinois Department of Insurance might have some answers to your questions posted online.

Should you give a statement to the insurer of the other driver?

This can get a little tricky. Whether you should give a statement to the other party’s insurance carrier depends on who you ask. You may want to first consult with a lawyer as well as your insurance provider if there is a request for a statement from you.

Legally, drivers must carry auto insurance in Illinois and elsewhere.

In Illinois and other states, the law dictates that vehicles must be registered and operated there to be covered by liability insurance. This type of insurance typically covers a range of expenses related to car accidents. It can cover different types of costs that may be incurred following an accident:

• Bodily injury coverage
• Property damage coverage
• Collision coverage
• Medical payments coverage

You may want to speak to an agent to get the right coverage for your family’s needs.

What actions might your insurance company take if a claim is filed against you?

What if a claim or lawsuit is brought against you due to a car crash you caused? An insurance policy’s liability coverage might do one of two things, depending on the situation. According to the Illinois Bar Association, the insurance company can typically pay for a lawyer to defend the insurance holder. Any property damage or injury to others caused by your actions as a driver should be covered up to the maximum policy limits. Extra coverage may also kick in.

If the other driver was at fault, you might be advised to file a claim against them.

What if the other driver’s insurance isn’t enough to compensate for your damages?

Sometimes the minimum uninsured motorist coverage isn’t enough to compensate for damages caused by a driver’s carelessness. If this is the case, your own insurance may kick in to cover the difference between the two policies.

Take care of routine car needs at CFSC Auto Services.

Hopefully you will never be involved in an accident. But should it happen, it can be a big relief knowing that you took care of routine auto-related tasks properly and promptly. At CFSC Auto Service throughout the Midwest, we will handle a number of these for you:

• Title and registration
• License plate renewals
• Replacing lost or stolen plates or stickers
• License plate transfers

When you stop by your nearest CFSC location, we can handle all of these tasks quickly and efficiently, as well assist with many other financial services – all under one roof! Check out CFSC Auto Services online to find out more!

Road trips are many people’s favorite way to explore new places and create memories that will last a lifetime. However, in order to make the most of your trip, it’s important to prepare properly and take necessary precautions to avoid any potential issues on the road.

With that in mind, CFSC Auto Services has some hot road tripping tips for all types of road tripping enthusiasts this summer.

What to Pack Before a Long Road Trip

First things first: packing is an important part of preparation. Don’t wait until the last minute! Well before leaving, start listing all the little things that you’ll need and may even help you out in a jam. Helpful items include:

• Cooler with water and snacks
• Charger or USB car adapter
• Sunblock and SPF Lip balm
• Something to read
• Important contact information
• Physical map and directions
• Blanket
• Jumper cables
• Spare tire or tire repair kit

Naturally, you’ll also want to make sure your finances are in order so you have enough cash for the road. Bringing a prepaid debit card is a great solution if you want to make sure you don’t overspend.

Give Your Car a Tune Up to Ensure it Is in Good Driving Condition

It’s vital to make sure your vehicle is in top condition before any road trip. Take your car to a trusted mechanic for a full checkup to ensure that everything is in working order and there are no potential issues that could arise during your trip. This will give you peace of mind and avoid any setbacks that could ruin your fun.

Smart routine maintenance before a long drive include:

• Checking all fluid levels
• Testing your battery
• Filling tires
• Checking tire treads and rotating or replacing if necessary
• Cleaning the engine

A tuneup may also alert you to something that needs to be repaired, so give yourself ample time to make that happen, as well.

Take Preventative Steps to Prevent Overheating

It’s also important to take steps to keep your car from overheating, especially during the scorching hot summer months. Make sure you have sufficient coolant levels and carry extra water and coolant with you just in case. Keep an eye on your car’s temperature gauge and pull over immediately if you notice any signs of overheating.

Park in the Shade When Possible and Protect Your Vehicle’s Interior

Keep in mind that the temperatures in a vehicle can soar well above 100 degrees on a sunny day. Too much heat will damage leather seats and age the interior. Whenever possible, avoid leaving your car in the sun for hours at a time. Crack open the windows and look for a nice, shady spot to park instead. A dashboard protector can also be a good way to shield the interior from the sun’s rays.

Plan Your Route in Advance

This may seem like a no brainer. But the advent of GPS has led some drivers to rely too heavily on internet services. Your phone or car’s navigation system could stop working for any number of reasons. At the very least, it’s a good idea to familiarize yourself with your game plan, even if you don’t remember the name of every road on your journey.

Schedule in Regular Breaks for Safety and Enjoyment

Finally, it’s important to take regular breaks during your trip to avoid fatigue and keep yourself and your passengers refreshed and energized. By planning your route ahead of time you can schedule breaks every few hours for folks to stretch their legs, grab a snack and take in the scenery. This will make your trip more enjoyable and allow your fellow travelers to fully appreciate the beauty of their surroundings.

Visit CFSC Auto Services for Title and Registration

Are your stickers and tags current? At CFSC Auto Services throughout the Midwest, anyone can stop by and take care of:

• Lost or stolen stickers
• Title transfers
• Registration
• Other auto and financial needs

By following these road tripping tips, you can ensure that your trip is a safe and enjoyable one. So pack your bags, hit the road and enjoy the journey!

Your nearby CFSC Auto Services can quickly handle routine auto service needs and financial tasks such as check cashing so you have enough cash in hand for your vacation. Stop by your nearest CFSC location or check us out online to find out what else we can do for you today.

For many folks, summer is the season for road trips and long drives. And there’s nothing quite like hitting the open road with the windows down and your favorite tunes playing.

Whether you’re heading to the beach, a national park, or just taking the occasional weekend getaway, it’s vital to be prepared for the heat and potential hazards of summer driving, as well. To help you stay safe and comfortable on the road, we’ve compiled out top summer driving tips everyone should know.

1. Check Your Tires

One of the most important parts of your car to keep an eye on in hotter months are your tires. High temperatures can cause the air in tires to expand, leading to overinflation and potential blowouts. Before hitting the road, check your tire pressure and tread depth to ensure they’re in good condition. The tread helps control your vehicle so that it can accelerate and stop properly. If they appear worn or damaged, consider replacing them before your trip.

2. Stay Hydrated

Driving in the heat can cause dehydration, which can lead to dizziness, fatigue, and other health issues. Make sure to bring plenty of water and stay hydrated throughout your trip. If you start to feel unwell, pull over and take a break until you’re ready to hit the road again.

3. Protect Your Skin – Even Inside Your Vehicle

The sun’s rays can be strong, burning your skin even with the windows up. On those long drives, be sure to protect your skin by wearing sunscreen and a hat while driving. You can also consider installing a window tint or sunshade to reduce glare and block UV rays.

4. Plan Your Route

GPS can fail. It’s always best to be familiar with your route before heading out.

Keep in mind that summer is also a popular time for road construction and congestion, especially in tourist areas. Plan your route ahead of time and check for any construction or traffic delays. Consider leaving early or late to avoid peak travel times.

5. Keep Your Car Cool

Driving in a hot car can be uncomfortable, distracting and even unhealthy. Keep your car cool by using the air conditioning, and crack open the windows when parking for long periods of time. It’s also beneficial to use a sunshade on your windshield and park in shaded areas whenever possible.

6. Renew Your License Plate if Necessary

Before leaving town, take care of routine tasks like renewing your license plates at a local CFSC Auto Services location. The last thing you want to deal with on vacation is getting pulled over and ticketed.

Requiring drivers to have updated plates helps the state keep track of vehicles and their ownership. Outdated plates are punishable by fines, so skipping this step is not worth the risk. If you’re unsure of how the process works, have a neighborhood service like CFSC Auto Services walk you through it.

7. Take Care of Auto and Financial Services at Your Local CFSC

With dozens of storefronts throughout the Midwest, CFSC Auto Services makes renewing your plates and other routine tasks easy. Our teams are equipped to handle the paperwork so you don’t have to, as well as answer your questions so that your family is ready to hit the road. Our services are available, convenient, and available to anyone who needs them.

While you’re here, get help with your other auto-related needs. From license plate renewals to getting your lost or stolen stickers replaced, we’ve got you covered. You can also:

1. Get help handling your title registration and transfer for your vehicle
2. Pick up your new plates
3. Avoid waiting in long lines at the DMV
4. Take care of check cashing and other financial tasks – all under one roof

By following the simple tips above, you can stay safe and comfortable while enjoying all that summer has to offer. Whether you’re heading to the beach or taking a scenic drive, make sure to prioritize safety and enjoy the journey!

Need help keeping your finances in order? We can also help you manage your finances, such as transfering funds whenever you need it. Our flexible schedule makes it easy to swing by at your convenience. Stop by your nearest CFSC Auto Services location to find out more!

If you drive anywhere in the Midwest, there’s a lot to know about what insurance will best cover your needs. Sorting through all the options can get overwhelming, leading some people to delay getting insurance. However, every driver must be insured – for a number of reasons. Getting clear on the basics will help you get clear on your options.

Once you have proper coverage, it’s also important to know when your coverage might kick in. Understanding the basics will remove some of the stress around insurance and help you tap into your coverage should you ever need it.

Do You Have to Carry Liability Insurance & Other Auto Insurance in Illinois?

Certain types of car insurance are mandatory. Others are optional. The first thing you should know is that it is generally illegal to operate, register, or maintain the registration of a motor vehicle without liability insurance. Policies must offer a certain amount of uninsured motorist (UM) and underinsured motorist (UIM) bodily injury coverage. However, you can opt to buy a higher UM and UIM limit to cover claims that surpass the minimal coverage.

What Types of Coverage Should You Get?

Automobile insurance policies typically offer a number of types of coverage. For example, liability coverage to protect against financial losses incurred due to an accident caused by the policyholder’s negligence while operating a vehicle. This generally includes:

• Bodily injury coverage to cover associated costs with injuries or death to another person in the accident
• Property damage coverage for the damage of someone else’s car or property, such as a fence, building, sign, or tree.
• For an extra cost, physical damage coverage for one’s own vehicle can be purchased, which is divided into two types:
• Collision coverage for damage caused by colliding with another car or object
• Comprehensive coverage for damage resulting from events other than collisions, such as hail, vandalism, or theft.
• Finally, medical payments coverage allows for medical or funeral costs if you or any passenger in your car are injured or killed in an accident, regardless of fault.

Because there are so many types – as well as reasons to have them – speak to an agent to be sure you’re getting the right coverage for your needs.

How Much Insurance Should You have?

Your “Declarations” page should list all of the types of coverage you have purchased and their respective limits. It is a good idea to have a conversation with your insurance agent to make sure you have an adequate amount of coverage and to review your policy at least once a year. It is recommended to have liability limits that are sufficient to protect your finances in the event of a lawsuit.

According to the Illinois State Bar Association, an “umbrella” policy is a wise consideration to provide extra protection in the event of a major accident. Here’s what they say about it:

1. This type of supplemental insurance provides additional coverage on top of your existing liability limits, usually in increments of one million dollars, for a low premium.
2. Insufficient liability coverage may leave your personal assets vulnerable to a potential judgment if you are sued.
3. Your insurance company will not be held responsible for any amount that exceeds the liability limits of your policy.

When it comes to Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, it is also recommended that your policy limits cover:

1. All of your medical costs
2. Any income lost due to injury-related disability
3. Compensation for any damages you would have received from the at-fault driver had they had full coverage for all losses.

Take Care of Title, Registration, Plates & Stickers at CFSC Auto Services

There’s a lot to know when shopping for auto insurance. It’s always a good idea to ask enough questions to end up with the right formula for you or your family’s circumstances. Once you’re covered, don’t forget to take care of all your other legal obligations at one of the CFSC Auto Services throughout the Midwest! These include:

• Title and registration
• Lost or stolen stickers
• Sticker renewal
• License plate transfers

Getting these tasks done properly and on time can help you avoid expensive fines later on!

Skip unnecessary trips to the DMV. When you stop by your nearest CFSC location, we can do the work for you and also help out with your other financial services. Our flexible schedule makes it easy to swing by at your convenience. Check out CFSC Auto Services online to find out more!