It is a common nightmare: being in a motorcycle accident, and then discovering you were hit by an underinsured driver. Many people throw up their hands in such situations, assuming that a lawsuit cannot coax money from somebody without enough cash to buy insurance. In fact, the law and our prevailing insurance statutes in Illinois are squarely on your side, and you may be entitled to far more monetary damages than you imagine.
Demystifying Underinsured Motorist Coverage
The key lies in understanding how underinsured motorist coverage works. Your own policy will almost certainly have a provision that covers this very situation, and often you can claim significant damages from your own insurance instead. Underinsured motorist coverage applies just as well to motorcycles as to cars and trucks, and the general result is the same: you can have the difference between your liability and the other driver's liability covered "in house," as it were, invoking your own carrier's uninsured motorist coverage.
What's Covered
That said, it is important to note that underinsured coverage doesn't actually cover everything. Typically your insurance will help to pay for medical bills, lost wages and future loss of earning capacity, but that coverage may not extend to property damage - including your motorcycle. More importantly, you may have trouble getting your insurance company to pay the full amount you deserve, as many such companies deny underinsured claims as a matter of course.
Increase Your Chance of Success
That's where we come in. Experienced motorcycle accident attorneys are adept at compelling the insurance companies to pay their clients in full, and today The Law Offices of Joseph Klest is one of the most aggressive firms in the Chicago area. If you are having any trouble getting what is rightfully yours, we'll take care of everything for you, up to and including serving the insurance company with a breach of contract suit if necessary. You can fill out our contact form or call us at 888-694-0245 today. And remember: we never take any money from you unless you win a settlement.
