Illinois state law requires all drivers to have liability insurance if they become involved in a car accident. However, many either have no insurance or are underinsured, meaning they do not have enough insurance to compensate you entirely.
If you were involved in a motor vehicle accident with an at-fault uninsured or underinsured motorist, you can still receive compensation for your injuries. However, this compensation will be from your own uninsured/underinsured motorist coverage.
At Harvey L. Walner & Associates, Ltd., we know that uninsured motorists are everywhere throughout Chicago. Our team of talented Illinois car accident attorneys are committed to not just your case, we are committed to you.
Your Uninsured/Underinsured Coverage
Many Illinois drivers carry the minimum amount of automobile insurance allowable by law, which is $20,000 for injury of one person, or $40,000 for accidents involving injury to more than one person. If you were involved in a serious car accident, motorcycle accident or truck accident and your injuries were severe, $20,000 will not be enough to cover your medical bills and other expenses.
If this is the case, you can use your uninsured/underinsured motorist coverage to collect the remaining money. Illinois state law requires all auto insurance liability carriers to offer uninsured/underinsured motorist coverage, but it does not require drivers to purchase that coverage. You may be wondering whether you purchased uninsured/underinsured motorist coverage. Chances are that you have it. Many drivers have this coverage and have been paying for it for years, but are unaware that they have it.
A Claim against Your Insurance
If the at-fault driver does not have enough insurance to compensate you for your injuries, you can make a claim against your own insurance company for damages above what their policy covers. However, your claim cannot exceed the amount of money your uninsured/underinsured motorist’s policy covers. For instance, if the other driver’s insurance covered $20,000 and your injuries totaled $60,000, you could file for the additional $40,000 from your own policy, provided your policy goes up to that amount.
Challenges with Collecting
Unfortunately, collecting money from your uninsured/underinsured insurance policy is more challenging than it sounds. No insurance company wants to pay out money if it can find a way not to. And if your insurance company does agree to pay you, it will attempt to pay as little as possible, even for valid claims.
When you need to seek compensation from your insurance company, they are no longer on your side. Because your relationship with your insurance has now become adversarial, you should speak to a Chicago auto accident attorney as soon as possible so that they can assist you with your claim.
If you are involved in an auto accident with an underinsured or uninsured motorist in the Chicago area, accident attorneys at Harvey L. Walner & Associates, Ltd. can help you get the money you deserve. We offer free consultations and work on a contingency basis, so please contact our law firm today.
If you or a loved one has been hurt, and you need help, please call or email our Illinois car accident attorney today or text "Walnerlaw" to 41513 for a FREE consultation.