Uninsured Motorist Claims

Thanks to the strength of the insurance lobby in our state, Illinois state law requires drivers to carry only $25,000 in liability coverage, but sometimes this isn’t the case; sometimes drivers simply choose to ignore the law by failing to get insurance. In other cases, the driver may have the bare minimum legal amount of coverage and nothing more. Did you know that in 2012, the Insurance Research Council found that 1 in 8 drivers was uninsured?

When on the road, we’re at the mercy of other drivers—whether we like to admit it or not. A typical car accident, no matter how minor, can be a big headache even when the at-fault driver has enough insurance  to cover the damage to your car and your medical bills and compensation for lost wages. But what happens when they don’t have any insurance at all or don’t have enough coverage to pay for all these costs?

In cases like these, you have options. Sometimes, that’s extra insurance coverage on your own policy. But in other cases, that might mean hiring an attorney to fight for your financial recovery.

Hit by another driver who doesn’t have insurance?

Give Me A Call

What is uninsured motorist coverage?

Uninsured motorist coverage protects you in the event that your accident involves an at-fault driver who carries no liability coverage.

What about underinsured coverage?

Underinsured motorist coverage helps you in the event that the at-fault driver has some insurance, but not enough to pay for property damage or medical bills you incurred due to the accident. For example, if their coverage is $25,000 and your claim is worth $75,000, you would eventually be responsible for the remaining $50,000. That's where underinsured motorist coverage comes in. I always stress having enough of this coverage because you never know how much a car accident will eventually cost.

What if my insurance company refuses to pay?

Remember, the ultimate goal of any insurance company is to find reasons to pay as little money as possible for claims. They'll examine every piece of information possible about the accident and have a team of attorneys whose job is to find excuses not to pay.

If your insurance company—or the other driver's, for that matter—is refusing to pay full value for your claim, you need to contact an attorney who isn't afraid to fight back. For over 34 years, I've helped my clients get the financial recovery they're entitled to. I'm not afraid to take the case to court to ensure that your wellbeing is taken care of, because that's the most important thing.

If you've been injured in a car accident and are having trouble with an insurance company, contact me today for a free consultation. There's no fee unless we win, which means you have nothing to lose and everything to gain.

Uninsured Motorists Attorney in Chicago, IL

If you drive a car, you need uninsured and underinsured motorist insurance coverage, with the highest possible limits of coverage you can afford. This helps your financial recovery in the event that you’re involved in an accident with someone who doesn’t have enough (or any) auto insurance. Sometimes, however, your insurance company may be stingy with what they’ll pay out. That’s where I come in. I can help you get what you’re entitled to and help you on the road to recovery.