In Illinois, drivers are required to have minimum liability insurance, yet many remain uninsured. If you have been seriously injured in an accident with an uninsured driver, it can be a frustrating and stressful experience.
That’s where a Chicago uninsured driver accident lawyer from our car accident law firm, The Kryder Group, LLC Accident and Injury Lawyers can help.
Why Do I Need a Chicago Uninsured Motorist Lawyer?
In the aftermath of a car accident, dealing with uninsured drivers adds another layer of complexity to an already difficult situation. In most cases, these drivers do not have sufficient assets to cover the damages they have caused. This means that you may end up paying for your medical bills and vehicle repairs out of pocket and from your own insurance company, even if the car accident itself was not your fault.
What Is My Chicago Uninsured Driver Car Accident Case Worth?
What Are the Requirements for Uninsured Motorist Coverage in Illinois?
Uninsured/underinsured motorist coverage, as part of your own insurance policy, only protects you if the at-fault driver lacks sufficient insurance to cover your losses.
Illinois Auto 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 mandates uninsured motorist insurance to protect you when another driver lacks adequate insurance coverage.
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?
UIM coverage in Illinois is essential for protecting you when an at-fault driver’s insurance can’t cover your medical expenses and damages.
It covers costs exceeding the other driver insurance policy’s liability limits, ensuring you’re not left with out-of-pocket expenses after an accident with an uninsured or underinsured driver.
How Can Chicago Uninsured Motorist Lawyers Can Help Me With an Uninsured Motorist Claim?
Car accidents involving an uninsured and underinsured motorist are more common than you might think. According to the Insurance Information Institute (III), almost 14% of Illinois drivers were uninsured motorists in 2022. This means that one out of 7 drivers may be uninsured and underinsured motorists.
How an Uninsured Motorist Accident Attorney Can Help
Uninsured motorist accident lawyers can:
- Understand your underinsured moto policy to make informed decisions about your underinsured motorist accident case.
- Investigate the circumstances of the accident to determine who is liable.
- Assign a value to your losses.
- Collect information on the at-fault party and their car insurance to see if it covers your losses.
- Help with filing your personal injury claim and managing legal admin tasks.
- Negotiate with the insurance company to recover compensation for you.
- Represent you in trial to secure the best possible outcome.
Contact The Kryder Law Group, LLC Accident and Injury Lawyers Today
The goal of each uninsured motorist accident lawyer in our law firm is to manage your uninsured/underinsured motorist claim to obtain maximum compensation to cover medical bills, rehab costs, pain and suffering, lost wages, and vehicle damage.
(312) 223-1700