Being in an accident can be jarring, and finding out that the motorist who caused your accident is not insured could leave your mind racing with unpleasant concerns. Whether you are ultimately covered by your own insurance company or need to pursue other measures (such as a lawsuit), a Chicago uninsured motorist accident lawyer can help you with the nuances of your case.
Our lawyers are experienced handling cases involving car accidents and we don’t collect a fee unless you get compensated for your injuries. Don’t let the lack of car insurance coverage of the other driver in your accident cause you further distress. The right legal team can help you pursue a personal injury lawsuit to recover compensation that you need and deserve.
Call The Kryder Law Group, LLC today for details about how our team will assist you or a loved one after an accident with an uninsured or underinsured motorist.
Different from the usual coverage such as liability insurance, uninsured motorist coverage 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. The Office of the Illinois Secretary of State explains the minimum insurance requirements that all drivers in the state must abide by. By Illinois law, all drivers need to carry the following with a car insurance company:
$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
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. As explained by the Illinois Department of Insurance (IDOI) (Auto Insurance Shopping Guide), the state accounts for the presence of uninsured and underinsured motorists by requiring you to have uninsured motorist insurance to make sure you are covered when the uninsured or underinsured driver fails to do so.
Per this requirement, you must have:
$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
You must also have Underinsured Motorist Bodily Injury Insurance (UIM), which may help in instances where the at-fault driver has some form of insurance that is not sufficient to cover your losses.
Even if you have uninsured motorist insurance as required by law, you are not guaranteed to receive the compensation that you deserve after your accident. A lawyer from our law firm can help you with your claim to ensure that your rights are respected.
You may already know that the insurance claims process does not always go smoothly, and in fact, could be quite a headache. It may be especially stressful if you are dealing with a serious injury, are helping a loved one who has been injured, or are coping with the loss of a loved one after an accident.
A lawyer can handle as much of your claim as possible. This means that they may:
Advise you on how to (or how not to) interact with insurance companies after your accident
Familiarize themselves with your insurance policy
Gather details on the person who is responsible for your accident, as well as their insurance status
Determine whether insurance should be sufficient to cover your accident-related losses
File your claim
Handle the administrative aspects of the claims process
Negotiate settlements with the insurance companies
Advise you on the next steps to take, if no fair settlement seems possible
In certain cases, it may be appropriate—necessary, even—to sue the uninsured motorist or underinsured driver responsible for your accident. Your lawyer can handle the legal process while you tend to your recovery.
Call the Kryder Law Group, LLC today for more details about the services of a Chicago uninsured motorist accident lawyer.
The Insurance Information Institute (III) notes that nearly 14% of drivers in Illinois are without insurance, as of 2015. This means that, out of every 50 motorists on the road, approximately 7 may be without proper insurance. In other words, accidents involving uninsured motorists may be more common than you realized.
As a consequence, you may not have trouble finding a lawyer who has prior experience handling uninsured motorist-related insurance claims and lawsuits. Such a lawyer could be aware of the laws, statutes, and practices that apply to accidents involving uninsured motorists, and may use their knowledge in your favor.
Victims of any sort of wrongdoing have the right to pursue justice. You may seek financial justice for your accident through an insurance claim, or by filing a lawsuit in civil court. If a lawsuit proves necessary, your car accident lawyer will handle the legal process of your uninsured motorist claim from start to finish.
Some of the duties that your lawyer may perform in service of your lawsuit include:
Gathering and organizing evidence related to your accident
Documenting your injuries
Assigning a value to your injuries and other accident-related losses
Forming the case, in written and oral form, that you are the victim of negligence or another type of legally-recognized wrongdoing
Filing your lawsuit
Making any appearances necessary to advance your suit
Negotiating a settlement based on the value of your losses
Completing a trial if it proves necessary
A settlement may be your lawyer’s primary goal, but they will be prepared to go to trial if a settlement does not appear possible. If your lawyer obtains compensation for you, then your covered losses may include:
Healthcare costs and medical bills from accident-related injuries
The cost of rehabilitation for physical injuries
Pain and suffering
The cost of treatment for psychological trauma, which may include therapy and medication
Lost wages caused by physical, psychological, or emotional injury
Damage to your vehicle
Your car accident lawyer will seek compensation for any losses caused by the actions of defendants in your lawsuit.
Car accidents can take a serious toll, and the effects of your accident could linger for the foreseeable future. Your lawyer will seek fair compensation for losses you have suffered because of negligence or intentional wrongdoing, regardless of an at-fault party’s insurance status.
Call The Kryder Law Group, LLC today for a free consultation with the team and start building a valuable attorney client relationship with one of our uninsured or underinsured accident lawyers.
When you call The Kryder Law Group to discuss your serious injuries from a crash with an uninsured driver, here is what you can expect to get:
A conversation with an experienced Chicago car accident attorney who will assess the strengths and weaknesses of your case
A discussion of your injuries and how they have impacted your life, your work and may impact you in the future
A conversation about what you can expect from your insurance company and the next steps you should take
Answers to your questions about the value of your case, how long it may take, and any other questions you might have about car accident cases where the at-fault party was uninsured
We’ve helped hundreds of clients who were seriously injured to recover millions of dollars in compensation from their personal injury claim. Our team of knowledgeable Chicago car accident lawyers are ready to help you get the compensation you deserve. Call now. Let’s talk about your case, it’s free! We work on a contingency fee basis which means we don’t get paid unless we win your case.