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UNINSURED/UNDERINSURED
ACCIDENTS

Chicago Uninsured & Underinsured Accident Lawyers

Ensuring You Receive Full Coverage of Your Damages

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. This compensation will be from your own uninsured/underinsured motorist coverage.

At Harvey L. Walner & Associates, Ltd., our personal injury lawyers know that uninsured motorists are everywhere throughout Chicago. Our team of talented Chicago uninsured accident lawyers are committed to not just your case, we are committed to you.

To schedule a free consultation with our legal team, complete our contact form or call (312) 313-2888.

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. 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.

Free Consultations are Available

If you are involved in an auto accident with an underinsured or uninsured motorist in the Chicago area, the 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 (312) 313-2888 or message our Illinois car accident attorney today for a FREE consultation.

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OUR VERDICTS & SETTLEMENTS

There Is No Substitute for Results
  • Loss of Legs in a Conveyor Belt Accident $23.5 Million
  • Wrongful Death of a Mom with 4-Year-Old Child $11 Million
  • Loss of Foot After Cement Truck Accident $10 Million
  • Severe Brain Injury from Unmarked Dump Truck 7 Figures

    Verdict against a utility company and a municipality for leaving a dumpster on the street without any reflectors or lights, causing the client’s vehicle to strike the dumpster and our client to sustain a severe brain injury.

  • Wrongful Death in Swimming Pool Accident 7 Figures

    Swimming pool accident causing the death of a 12-year-old child.

  • Mass Tort Against Municipality & Chemical Company 7 Figures

    Lead counsel in a mass tort action against a municipality and a chemical company.

  • Wrongful Death from a Motor Vehicle Accident $250,000
  • Motor Vehicle Accident: Neck, Back, Shoulder, Leg & Arm Injury $170,000
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WHY HIRE HARVEY L. WALNER & ASSOCIATES?

How We Make the Difference for Our Clients
  • Experience on Your Side

    Our family-run law firm has more than 75 years of experience standing up for the rights of injured people and families across Chicago.

  • Thousands of Clients Helped

    Our firm has helped over 10,000 clients get the justice they deserve since we opened our doors in 1961.

  • A Proven Record of Results

    Our firm has recovered over $100 millions for our clients and is committed to maximizing your recovery.

  • Client-Focused Approach

    We are committed to treating all clients with the dignity and respect they deserve, regardless of their potential case value.

  • An Extensive Network of Support

    Our team of more than 45 legal and medical professionals are dedicated to providing our clients with access to medical experts, treatment, and financial assistance.

Client Testimonials

Real Stories From Real People
  • “Kristin was so knowledgeable and guided me step by step about my options and kept me in the loop about my case.”

    - Monica
  • “I chose Walner Law because they made me feel like a very important client and took consideration of my medical injury at the time.”

    - Denise
  • “This law firm was very responsive to my needs and very empathetic about my injury.”

    - Kyle