In a typical car accident claim the victim will be compensated by the negligent driver’s insurance company. Unfortunately not all drivers in Illinois are sufficiently insured. Oftentimes many are not insured at all. The Insurance Research Council recently reported that one in every seven drivers in the United States are currently uninsured. What’s even more concerning is the numbers keep risingThankfully there are still opportunities for accident victims to recover damages and it is important to contact an attorney who will know how to investigate the different options available to you.
The reason we make premium payments each month to our auto insurance carrier is not only so we are covered in the event we cause an accident. Those premiums for insurance also provide us with protection in the event the at fault party did not have insurance coverage or had inadequate coverage. If you were injured in an accident caused by a hit-n-run driver or a driver with no or inadequate coverage than you have options you may not be aware of.
If you were in an accident with an uninsured or underinsured driver you will have to go through your own insurance company in order to obtain compensation for your injuries. Unlike a typical accident, which is settled through negotiation or a trial, disputes with your own insurance company are typically settled through binding arbitration. We know how this process works and are prepared to handle the following:
- Uninsured Motorist (UM) claims: These are claims for accidents caused by drivers who have no insurance at all.
- Underinsured Motorist (UIM) claims: These are claims for accidents caused by drivers who do not have enough coverage to provide you with full compensation.
Where You Hit By An Underinsured Driver?
If you were involved in an accident with an underinsured driver your policy must have higher limits than the policy of the other driver in order for your insurance to kick in. We will evaluate your insurance policy and help you find coverage.
Many times when you need compensation from your own insurance company they are no longer on your side. Insurance companies stay in business by minimizing claims and not paying them in full. The lawyers at Stein & Shulman, LLC can help you get all of the money that you are entitled to from your own insurance company. Underinsured Motorist Coverage will cover you and your passengers for medical expenses, pain and suffering, lost wages, and other damages associated with your injuries, up to your policy limits.
Were You Involved in a Hit-And-Run Accident?
If the negligent driver left the scene of the accident and was never identified you will not be able to take action against him or her. However if you have Uninsured Motorist Coverage you may be able to pursue compensation from your own insurance company. These cases are handled similarly to Underinsured Motorist accidents. You may also be able to pursue compensation even if the negligent driver did not make contact with your vehicle but caused an accident that resulted in your or a loved one injured.
We understand complex policy coverage issues and are here to answer your questions about underinsured or uninsured motorist claims. Call our experienced attorneys at (312) 422-0509. We will evaluate your claim and help you get the compensation that you need for your physical and financial recovery.