What Kind of Problems Can Summer Heat Cause a Car?

Who doesn’t love backyard barbecues, swimming pools, and playing in the park? Summer is four months of freedom from cold weather, accidents on slushy roads, and being bundled up in layers of clothes and coats. On the other hand, the heat causes severe and costly problems to your car. Here’s what Evergreen Park, IL’s Martin Insurance Team wants you to look out for with your auto.

Heat Doesn’t Always Make Things Expand

Did you know that heat will thin the motor oil in your car? As it circulates through the engine, it thins, leaving not enough oil to reach all the corners of your engine.

Did you also know that the heat causes your tires’ air pressure to increase? This could mean a blowout, which in turn could mean a wreck.

Here are other ways summer heat affects your auto.

Battery Trouble

The chemical processes inside a car battery are delayed in the summer heat. This means the battery won’t hold a charge even if it generates enough power. Additionally, battery fluids evaporate faster in summer. Check your battery regularly in all seasons.

The A/C

While it doesn’t impede the car’s operation, it does make the summer heat more bearable. If you find your a/c sluggish or not putting out enough cold air, by all means, get it checked. 


You wouldn’t think the windshield would matter in the heat of August, but it definitely does. Anything can cause a crack to start, such as a stone or something flying through a bad storm. The problem comes when the heat causes that crack to expand. Get any windshield problems fixed immediately for safety.

We usually consider storms and icy winter roads when considering what could happen to our auto. Call or stop in Evergreen Park, IL to ask Martin Insurance Team for more information.

How Much Auto Insurance Do You Need in Illinois?

Auto insurance is mandatory in Illinois. All drivers must have a policy that meets or exceeds the state’s minimum liability coverage requirements. If you’re currently looking for an auto insurance policy in Evergreen Park, IL (or Florida in the Cape Coral, Bonita Springs, and Naples areas), be sure to contact us at Martin Insurance Team to learn more. In the meantime, check out how much auto insurance you’re required to attain in Illinois:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident. This coverage pays for injuries or death to another person if a driver is at fault in an accident.
  • Property Damage Liability: $20,000 per accident. This coverage pays for damage to another person’s property that occurs in an accident where a driver is at fault. Usually, this means damage to another vehicle, but it can also cover buildings, utility poles, fences, and other structures.
  • Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident. This coverage pays for injuries to drivers and their passengers if they are involved in an accident with an uninsured driver who is at fault.

In addition to these minimums, Illinois requires at least $15,000 in uninsured motorist property damage coverage with a $250 deductible for hit-and-run accidents.

While these are the legal minimums, it’s often recommended that you carry more than the required amount of insurance to protect yourself financially. This is especially true for drivers with significant assets that could be at risk in a lawsuit.

Optional coverages that you might consider include collision coverage, which pays for damage to your own vehicle in an accident; comprehensive coverage, which pays for damage to your car from things like theft and natural disasters; and medical payments coverage, which pays for medical or funeral expenses for you or others riding in your vehicle regardless of who is at fault in an accident.

And remember, if you’re currently looking for an auto insurance policy in Evergreen Park, IL (or Florida in the Cape Coral, Bonita Springs, and Naples areas), be sure to contact us at Martin Insurance Team today!

What Does Transportation Insurance Cover?

Suppose you plan to travel from one location to another, whether for work, you may want to secure travel insurance. This coverage protects you from liability in the event of an accident or incident where there is damage to property or any cargo you may transport. Most truck transportation companies and owners secure this additional coverage to prevent losses from fire, theft, delays, or damage. Let the experts at Martin Insurance Team, serving Evergreen Park, IL, help you secure the coverage you need. 

Transportation Insurance Coverage

Consider this coverage if you have a commercial truck or a regular car and want added protection against physical damage and cargo losses. It’s additional insurance protection aside from liability. It can protect you when you experience unexpected events, such as an accident involving an animal or even falling objects and vandalism. 

Transportation insurance is a blanket of protection for the cargo and the vehicle in one package. Transportation insurance covers more than just trucks, however. It can cover vehicles and cargo that range from standard trucks to railway cars and boats. This insurance is also ideal for protecting employers from the negligent actions of employees on the road. 

Find Out More Today

The experts at Martin Insurance Team are ready to assist the residents of Evergreen Park, IL, and the surrounding areas in getting the insurance coverage they need to protect them from risk and liability. Call or stop by the office today to speak with one of our helpful agents. We can help determine the level of coverage you need and provide great options to help protect your cargo and assets while they move from one location to another. 

What type of insurance do I need for trucking?

If you’re a truck driver in Evergreen Park, IL, you know an effective insurance plan is essential. But with all the different types of coverage available, it can be overwhelming to figure out which type of policy is best for you. Here the Martin Insurance Team provides an overview of the different types of insurance that truckers need to consider. 

Commercial Vehicle Insurance 

Commercial vehicle insurance is designed to protect truck drivers from losses caused by damage to their vehicles while they are on the road. This type of coverage typically includes property damage and liability protection, and most truck drivers are required to have at least a minimum level of commercial vehicle insurance to operate legally. 

Cargo Liability Insurance 

Cargo liability insurance helps protect against financial losses if goods or materials are damaged or destroyed while in transit. This type of coverage is especially important for those transporting valuable items such as electronics, jewelry, or antiques. It also covers any legal costs should a claim be made against the driver or company due to cargo damage. 

Non-Trucking Liability Insurance 

Non-trucking liability insurance provides coverage when a truck driver is not directly engaged in carrying goods or services for their business but still needs protection from potential liabilities arising from accidents or other unexpected events. This policy covers incidents such as vandalism, theft, fire, and personal injury claims related to non-business activities like driving home after work. 

Having adequate insurance coverage is essential for any truck driver in Evergreen Park, IL who wants peace of mind while on the road. Contact the Martin Insurance Team for more details.

Safety tips for motorcycle riders

Riding a motorcycle can be a fun and exhilarating experience, but it’s also important to stay safe while on the road. Here are some tips to help you stay safe while riding your motorcycle.

1. Wear a helmet – A motorcycle helmet is the most crucial piece of gear you can wear while riding. It can protect you from serious injury in the event of a crash. Ensure your helmet is fitted correctly and meets all safety standards.

2. Wear bright colors – Wearing bright colors makes you more visible to drivers, which can help reduce the risk of getting hit by a car.

3. Ride defensively – Always be aware of your surroundings and take precautions to avoid accidents.

4. Use signals – Use signals to indicate when you’re turning or stopping so that other drivers know what you’re doing.

5. Don’t drink and ride – Drinking and riding can impair your judgment and increase the risk of getting into an accident. This is especially important when you are on two wheels.

6. Check your motorcycle’s oil level and tire pressure – Checking your motorcycle’s oil level and tire pressure before every ride can help reduce the risk of experiencing a mechanical failure while on the road.

7. Carry a spare key, ID, and money – Carrying a spare key, ID, and money in case of an emergency can help you get home safely.

Riding a motorcycle can be an enjoyable activity, especially in Ft Myers, FL, but one that is inherently prone to risks. Knowing that you are covered in case of an emergency will make the experience even more fun. To explore your options for motorcycle insurance, contact the Martin Insurance Team today!

How to Stay Safe When You Have Passengers in Your Car

Tragically, thousands of accidents happen yearly due to distracted drivers with passengers in their vehicles. You may not think about it, but their safety is partially in your hands when you have passengers in your car. Here are some tips from the Martin Insurance Team of Ft Myers, FL, to help keep your passengers and yourself safe while driving.

Always wear a seatbelt.

It is always essential to wear a seatbelt as a driver or a passenger in a vehicle. Wearing a seatbelt can help to protect you in the event of an accident by keeping you restrained in your seat. This can help prevent you from being ejected from the vehicle or thrown around inside the car, which can lead to severe injuries or even death.

Do not distract the driver.

As a passenger, you should never distract the driver by talking on the phone, having loud conversations, or doing anything that takes their attention away from the road. Distracted driving is one of the leading causes of accidents, so it’s essential to be aware of your surroundings and not cause unnecessary distractions.

Do not let anyone drive under the influence.

When someone is under the influence of alcohol or drugs, they are not in the right mind to drive. They may be unable to think clearly, and the driver may slow down their reflexes. This can lead to them getting into accidents and even killing themselves or others.

If you’re looking for a great car insurance team in Ft Myers, FL, look no further than Martin Insurance Team. We’re here to help you find the right coverage for your needs and budget. Give us a call today to get started.

Four of the most important things motorists should know about auto insurance

As a motorist, it’s important that you’re informed about how auto insurance works and what types of coverage you need. We can help you get the information you need about auto insurance in Ft Myers, FL at Martin Insurance Team.

The following are four of the most important things motorists should know about auto insurance.

Auto insurance coverage is required by law.

It’s crucial to purchase auto insurance because liability insurance is required by law in just about every state in the US. If you don’t carry adequate auto insurance, you could be subject to fines or worse if you get pulled over by the police.

You can get quotes from different auto insurance providers to compare policies.

Auto insurance providers will offer you quotes on the policies so that you can determine a price. You can get quotes from numerous insurance providers and compare them. This way, you can find a policy that offers value while providing you with all the coverage you want and need.

Your driving history and credit score affect auto insurance premiums.

Maintaining a driving record that’s free from infractions can allow you to take advantage of the lowest possible auto insurance premium costs. You’ll also benefit from having a good credit score. Motorists with higher credit scores usually also enjoy lower auto insurance premiums.

There are numerous discounts available on auto insurance premiums. 

Auto insurance providers typically offer discounts for paying for your entire policy upfront or completing a defensive driving course. Explore discount options so that you’re sure you’re not paying more than you should have on your auto insurance premiums.

Call or email us at Martin Insurance Team to explore auto insurance options available to you in Ft Myers, FL.

Four Things To Look for When Choosing Auto Insurance Coverage

When it comes to car insurance, there are many things to consider. But don’t worry, we’re here to help. This post will cover four key things you need to look for when choosing auto insurance coverage. So whether you’re a first-time buyer or just looking for a refresher, read on for some helpful tips.

1. Make Sure You’re Getting the Right Amount of Coverage

It’s vital to ensure that your auto insurance policy covers you for the right amount. You don’t want to be underinsured and risk paying out of pocket for damages or being overinsured and wasting money on unnecessary coverage. Be sure to speak with your insurance agent to determine the right amount of coverage for your needs.

2. Consider Your Deductible

A deductible is the amount of money you must pay before your insurance kicks in. It’s important to choose a deductible that you’re comfortable with and one that won’t put too big of a financial burden on you if you have to file a claim. Generally, the higher your deductible, the lower your monthly or annual premiums.

3. Understand Your State’s Minimum Coverage Requirements

Each state has its minimum auto insurance coverage requirements. Be sure to familiarize yourself with your state’s requirements to make sure you’re getting the right amount of coverage. However, remember that meeting your state’s minimum requirements is not always the best option, as you may still be underinsured.

4. Know What Additional Coverage Options are Available to You

Once you understand the basics of auto insurance coverage, you can start to explore additional coverage options that may be available to you. Common options include collision and comprehensive coverage, personal injury protection, and roadside assistance. Be sure to speak with your insurance agent about which options are suitable for you.

Get Insurance in Florida

Choosing the right auto insurance coverage can seem daunting, but it doesn’t have to be. Just keep these four things in mind, and you’ll be on your way to finding the perfect policy for you. And if you’re ever unsure, our Martin Insurance Team in Ft Myers, FL, is always happy to help! Give us a call to request a quote.

Auto Insurance Coverage Options

If you have recently thought about purchasing a vehicle or getting auto insurance within Ft Meyers, FL, understanding the various insurance options on the market will be an essential part of your journey. Below, Martin Insurance Team explains different auto policies to consider looking into.

Liability Coverage

Liability coverage comprises two components, with the first being bodily injury liability. This covers costs related to 3rd party injuries when you are found liable for an accident. The second is property damage liability that caters to other parties’ costs of vehicle repairs and replacement.

Medical Payments Coverage

A medical payments policy takes care of your medical costs when you are injured in an accident. This policy also covers your passengers, allowing them to offset any treatment costs and examination fees.

Comprehensive Coverage

Comprehensive coverage comes in handy when your vehicle is damaged during non-collision accidents. These include instances involving fire, theft, hail, and vandalism. Depending on the damage caused, your comprehensive policy allows you to take care of your replacement or repair expenses.

Collision Coverage

As the name implies, collision coverage is designed to help you pay for damages arising from collision accidents. If you hit another vehicle during your drive, this coverage ensures that your vehicle replacement or repair costs are covered. It also comes in handy when you hit objects such as fences and posts.

Uninsured and Underinsured Coverage

If you are hit by an uninsured driver whose coverage cannot pay for your treatment or vehicle damage costs, uninsured coverage will help you offset these expenses. Underinsured coverage kicks in when you get into an accident with a driver whose insurance is not enough to pay for your medical or vehicle damage costs.

If looking for auto coverage designed to protect you and your vehicle, Martin Insurance Team is the partner you need. Call us today for auto insurance designed with Ft Meyers, FL needs in mind.

Why do you need auto insurance in Illinois?

Most people that are in the Evergreen Park, IL area will find that owning a car is a good idea. If you are going to be a vehicle owner in this part of the state, you will find there are a lot of great benefits that come with coverage. It is also typically a necessity for most vehicle owners. There are a few reasons that you will need to maintain an auto insurance plan in this state.

Coverage is a Legal Requirement

The first reason that anyone in this area of the state will want to have an auto insurance plan is that they will be required to have it to comply with the law. Illinois is similar to other states as it requires motorists to carry liability auto insurance. If you do not carry this coverage at all times, you could face penalization if you are caught without it. 

Coverage is Required by Lenders

Purchasing a vehicle today is quite expensive and many vehicle owners will need to have a loan to ensure they can finance the purchase of it. As you are looking to take out a loan, you will want to ensure that you understand your insurance requirements. Most of the time, an auto loan provider is going to require that you maintain a full collision and comprehensive plan as long as the loan is outstanding. 

Getting an auto insurance plan in the Evergreen Park, IL area is a good option for all motorists. As you are looking for a plan here, you should call the Martin Insurance Team. The team with the Martin Insurance Team can give you any support that is needed to choose a new plan. This includes helping you determine what your needs and different options are.