Hope After An Uninsured/Underinsured Motorist Accident
Illinois law mandates that all drivers carry the state minimum in automobile insurance. Despite this clear requirement, many drivers in Chicago and beyond operate a motor vehicle without insurance (uninsured) or without adequate coverage for the damages they have caused (underinsured). When an accident happens, you may not be able to obtain the full compensation you need from the at-fault driver. Thankfully, most drivers will have the ability to file a claim for uninsured or underinsured benefits that will cover their damages suffered in the accident.
At Stein & Shulman, LLC, our Chicago car accident lawyers have assisted thousands of individuals injured due to the actions of uninsured or underinsured motorists. While it is regrettable that drivers would choose to operate a motor vehicle without sufficient coverage, we help our injured clients to obtain compensation through other means. We simplify and expedite the uninsured motorist claims process so that you can pay for your medical expenses, lost wages, and more.
Uninsured/Underinsured Motorist Coverage
In Illinois, when you purchase full coverage automobile insurance, your policy will include uninsured/underinsured motorist coverage, known as UM/UIM insurance. The amount of coverage will vary dependent upon your individual policy. By default, most policies will include UM/UIM coverage equal to the liability or bodily injury limits under your policy.
It is important that you research your insurance policy to ensure you have UM/UIM coverage and to assess whether your coverage is sufficient. Often, for just a few dollars a month or per six-month period, you can significantly increase your UM/UIM policy so that you can rest assured you are covered, no matter the severity of the crash. If you have been injured in an accident involving an uninsured or underinsured motorist and are unsure as to your UM/UIM coverage, have a licensed car accident attorney review your policy as soon as possible.
Assistance with Your Uninsured/Underinsured Motorist Claim
Even though your uninsured motorist claim will be filed against your own insurance company, it is important to remember that the insurance company is not on your side. Your insurance company is a for-profit company with an incentive to deny or minimize your claim. It is important that you arm yourself with a powerful attorney team so that your claim is supported to the fullest extent.
Often, uninsured/underinsured motorist insurance will contain provisions for arbitration or a similar process. Arbitration may seem like an easy alternative to the courtroom, but it is a complex legal process. You will need to provide crucial evidence, meet deadlines, provide statements, and more. Your car accident attorney will prove vital in navigating you through the uninsured/underinsured motorist claims process. Should your UM/UIM coverage remain insufficient to cover your losses, your attorney can further advise you as to any potential other legal rights you may have against the at-fault driver or another party involved in the crash.
Distinguished Representation in the Chicago Area
Being involved in a car accident is bad enough; finding out the other driver did not have car insurance or sufficient coverage can make the situation even more stressful. If you have been hit by an uninsured/underinsured driver, our experienced Chicago Car Accident Lawyers at Stein & Shulman, LLC are here to help. Our firm has handled all manner of injury and accident cases, achieving over 40 million in settlements and verdicts for our valued clients. We understand the complexities that can revolve around an uninsured motorist action and we have the experience to steer you through to your full recovery. Contact us today for a free consultation with one of our experienced car accident lawyers at (312) 422-0500 or by filling out a free contact form online.