The Importance of Purchasing GAP Coverage for Your Car!

In the past year we have seen the good and the bad of the GAP Coverage insurance industry. For those of you who are not sure what GAP coverage is, I will provide you a brief explanation. Gap coverage is typically needed when a car is deemed a total loss by the insurer either after an accident or some other type of unfortunate event. You have auto insurance (either: liability, collision, comprehensive, PIP and/or underinsured) to cover the fair market value or actual cash value (depending on type of policy) of the totaled vehicle, but what if the fair market value is $8,000.00 less than what you still owe on your car loan? The issue described above is where GAP coverage would kick in and th

Is Your Landlord Passing the Charges for Common Area Utilities Onto You, Their Tenants?

In Illinois, landlord-tenant disputes are all too common and often times, violations go unnoticed for the entire duration of the lease or longer. For this blog post, we thought it would be very helpful to inform our readers of one of the most discrete violations that do occur. Specifically, it discusses the rights and responsibilities of both the landlord and tenant with regards to paying for the common area utility service. First, I will answer a question many of you may be asking “what is a common area?” A common area is considered to be an area within a residence that is available for common use by all tenants, or possibly groups of tenants and their invitees. An example would be a lau

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