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.
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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.
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.
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:
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.
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.
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:
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.
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.