At The Kryder Law Group, LLC Accident and Injury Lawyers, we understand the stress and confusion that can accompany a car accident, especially when the at-fault driver lacks the necessary insurance coverage to pay for the damage they caused. Our experienced lawyers are ready to guide you through the complex legal process, ensuring your rights are protected and you recover the compensation you deserve.
Our skilled personal injury and accident lawyers provide comprehensive assistance, helping you navigate the complexities of your case. Whether it’s understanding insurance coverage or pursuing legal action against an uninsured or underinsured motorist, we’ve got you covered. Trust The Kryder Law Group, LLC Accident and Injury Lawyers to handle the legal aspects of your personal injury claim while you focus on your recovery.
What Are the Requirements for Uninsured Motorist Coverage in Illinois?
Uninsured motorist insurance or underinsured motorist coverage is meant to protect you in case the at-fault driver doesn’t have enough insurance (or any insurance at all) to cover your losses.
Illinois Car Insurance Minimums
According to Illinois law and the Office of the Illinois Secretary of State, all drivers need to carry a minimum amount of insurance. If they don’t, they are considered an uninsured or underinsured motorist.
- $20,000 for property damage to another person’s vehicle
- $25,000 for injury or death to another person
- $50,000 for injury or death to two other people.
Illinois Uninsured Motorist Coverage (UM) Minimums
As explained by the Illinois Department of Insurance (IDOI) (Auto Insurance Shopping Guide), the state requires you to have uninsured motorist insurance to make sure you are covered when a motorist who does not have adequate coverage from their own insurance company cannot cover their own losses or the losses of any party they harm.
Per this requirement, you must have a minimum of:
- $25,000 in coverage for bodily injury coverage per person for accidents caused by an uninsured motorist
- $50,000 in bodily injury coverage per accident for accidents caused by an uninsured motorist
What Is Underinsured Motorist Bodily Injury Insurance in Illinois?
Underinsured Motorist Bodily Injury Insurance, known as UIM coverage, is a vital part of your auto insurance policy in Illinois. It safeguards you when the at-fault driver’s insurance falls short of covering your medical expenses and damages.
If your injury costs exceed the at-fault driver’s liability insurance limits, your UIM coverage steps in to bridge the gap, up to your own UIM limits. This ensures that victims are not left with out-of-pocket expenses after an accident with an uninsured or underinsured driver.
How a Chicago Uninsured Motorist Accident Attorney Can Help with Your Motor Vehicle Accident Insurance Claim
Accidents involving uninsured drivers are more common than you might think. According to the Insurance Information Institute (III), almost 12% of Illinois drivers were uninsured motorists in 2019. This means that out of every 100 motorists on the road, about 12 may be uninsured and underinsured motorists.
How We Can Help Accident Victims
It’s crucial to understand your rights and options if you’re in a crash with an underinsured or uninsured driver. An experienced car accident lawyer from The Kryder Law Group, LC Accident and Injury Lawyers can:
- Familiarize themselves with your own underinsured moto policy to help you make informed decisions when healing from injuries caused by an uninsured and underinsured motorist.
- Investigate the circumstances of the accident to determine who is liable.
- Assign a value to your losses for your uninsured motorist claim.
- Gather all the necessary information about the at fault party and their car insurance to determine if their insurance coverage is sufficient to cover your losses.
- Assist you in filing your personal injury claim and handling the administrative aspects of the legal process.
- Negotiate settlements with the insurance company on your behalf to recover compensation.
- Take your case to trial, if necessary, and represent you to ensure that the best possible outcome is achieved.
Ultimately, your lawyer’s goal in a personal injury lawsuit is to secure the compensation you deserve. This may include coverage for medical bills, rehabilitation costs, pain and suffering, lost wages, and vehicle damage.
Call The Kryder Law Group, LLC Accident and Injury Lawyers Today
When you’ve been seriously injured, don’t let an accident with a Chicago uninsured motorist overwhelm you. At The Kryder Law Group, LLC Accident and Injury Lawyers, we provide a free consultation to assess your case and determine the best course of action. We operate on a contingency fee basis, which means you pay us nothing unless we win your case. Contact us today and let our skilled legal team help you navigate the complexities of your case and recover compensation you deserve.
(312) 223-1700