Illinois law requires all motorists carry car insurance. The Illinois state minimum for bodily injury coverage is $25,000.00. What happens if the driver causing the auto accident has only the minimum coverage ($25,000) required by law, but your medical bills, injuries and total damages far exceed the $25,000.00 minimum coverage? Or what if the at-fault driver does not have any auto insurance? Can anything be done?
Clients are surprised to learn that their own insurance policies can carry what is called uninsured and underinsured motorist coverage. Uninsured motorist coverage applies when a driver is injured in an auto accident caused by an uninsured driver. The injured driver, through the help of an attorney, can make a claim against their own insurance company pay their medical bills, lost wages, pain and suffering and loss of a normal life. An official demand for arbitration must be made by the injured party and sent to their own insurance carrier. Once the injured party has completed medical treatment, their attorney can work on settling the claim with the insurance company. If settlement is not reached then the injured party and the insurance company partake in a binding arbitration to determine an award based the injured parties total damages (medical bills, lost wages, inuries, pain & suffering and loss of a normal life).
A claim can also be made against a client’s own insurance company when the other driver have enough insurance to compensate the entire amount of damages. These claims are called underinsured motorist claims. The process for recovering money damages is the same as an uninsured motorist claim. The only difference is the at fault’s party’s insurance must be exhausted before the injured party’s insurance can be claimed.
The uninsured motorist process can be complicated. I highly recommend contacting an Illinois injury attorney to discuss and walk you throught the uninsured motorist claims process in a order to maximize your recovery. The Chicago accident lawyers at the Bryant Law Group have years of experience handling these types of claims and provide free legal consultations. Feel free to call at 312-614-1076 or go directly to the firm’s website at www.blgchicago.com.
Finally, and just as important, is to make sure you purchase full coverage when buying auto insurance. This will ensure that you have uninsured and underinsured motorist coverage and protect you in case you are involved in an accident with no inurance or only the state minimum.