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.
In this Article
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
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.
Don't let an accident with a Chicago uninsured motorist overwhelm you. Contact The Kryder Law Group, LLC for help.
$7.5 Million
Recovery for a construction worker injured when a support wall fell and struck him. (Highest award on record for a construction injury in DuPage County at the time).
$3.2 Million
Recovery for a construction worker injured when he fell in an uncovered foundation trench, ranking as the highest award on record for a construction injury in McHenry County at the time.
$3 Million
Recovery for the family of a man struck by a garbage truck that was making an illegal turn.
$2.2 Million
Recovery for a salesman injured in an automobile collision.
$2 Million
Recovery for a man struck by a speeding vehicle as he waited for the CTA bus.
$1.5 Million
Recovery for a truck driver that was struck by another car on the expressway while his vehicle was disabled.
$1.4 Million
Recovery for a computer programmer that slipped and fell in the washroom at work.
Recovery for a pedestrian struck by a vehicle in a parking lot. At the time, this was the second-highest recovery on record in DuPage County for a similar injury.
$800,000
Recovered for a disputed wrongful death claim against a trucking company. The company denied they were involved in the collision.
$660,000
Recovery for a truck driver that was injured while unloading his trailer.
$550,000
Recovery for a person who slipped and fell in a grocery store.
$550,000
Recovery for a woman who injured her neck in a motor vehicle collision.
$500,000
Recovery for a pedestrian that was struck by a vehicle while standing on the sidewalk.
$460,000
Recovery for a truck driver that tripped and fell in the parking lot while making a delivery.
$450,000
Recovery for a dental assistant who slipped and fell at work on an unnatural accumulation of ice.
$425,000
Recovery for a union worker struck by a speeding vehicle.
$425,000
Recovery for a passenger in a vehicle struck by an inexperienced driver.
$415,000
Recovered for a woman that required neck surgery after aggravating an existing neck injury in a truck accident.
$400,000
Recovery for a lab technician injured while transporting equipment.
$370,000
Recovery for a construction worker injured on faulty equipment at a construction site.
$315,000
Recovery for a motorist struck by a falling utility pole.
$310,000
Recovery for a person injured in a motor vehicle collision.
$300,000
Recovery for a bicyclist struck by a vehicle.
$250,000
Recovery for a young woman struck by another vehicle.
$250,000
Recovered for a woman who sustained a partial finger amputation and other injuries in a rollover car accident. (Policy Limits)
$250,000
Recovered for a man injured in a motor vehicle collision.
$250,000
Recovered for a 60-year-old woman involved in a car accident. (Policy Limits)
$250,000
Recovered for a man hit by a semi-truck while operating a go-cart.
$240,000
Recovery for the injured party struck by another vehicle.
$235,000
Recovery for a person injured in a motor vehicle collision.
$235,000
Recovery for an inventory clerk injured when shelving toppled onto her.
$219,000
Recovery for a restaurant patron that slipped and fell in the bathroom.
$200,000
Recovered for an airline employee struck on the runway at O’Hare International Airport.
$190,000
Recovery for a person injured in a motor vehicle collision.
$175,000
Recovered for a child injured by fireworks at a fourth of July celebration.
$170,000
Recovered for a person injured when she slipped and fell exiting a major retail store.
$150,000
Recovered for a woman who fractured her leg when she was struck by a vehicle.
Britt C.
Andrew Kryder went above and beyond to help me out with a case that I brought to him. He was prompt, attentive, and extremely thorough. It was a pleasure to work with him!