Car Accidents and Uninsured Motorists

What if I Was Injured in a Car Accident With an Uninsured Motorist?

Car accidents are terribly traumatic events, but every day here in Chicago, drivers encounter an even greater frustration: uninsured motorists. Most of us rightly expect that if we are in a collision, insurance should cover most, if not all, of the damages. But what if the person at fault does not have any auto insurance at all? This is a case of uninsured motorist compensation, and it involves its own set of insurance guidelines, practices and issues.

Uninsured Motorist Coverage

Many insurance policies include something called uninsured motorist coverage (often abbreviated UM) for this precise reason. Underinsured motorist insurance in Chicago works in much the same way, but instead of paying the full amount, your insurance company may split the difference with the other driver whose policy does not cover your expenses. This may sound simple, but in practice a number of insurance companies are in the habit of denying or reducing all such claims as a matter of course, leading to further frustration for policy holders and their families.

Above: Attorney Joseph Klest speaks about what to do if you are injured by an uninsured driver.

What You Don't Get

Uninsured motorist coverage here in Illinois is hardly a panacea for all your expenses, either. Typically it will cover medical bills, lost wages, pain and suffering and any hit to your future earning capacity. Conspicuously absent are any expenses you incur as a result of damage to your property or vehicle. It is for this reason that you want to work with an auto accident attorney who can compel the insurance companies to pay you the full and fair amount you deserve, in its entirety, promptly.

We Do Uninsured Motorist Cases

Klest Injury Law Firm is just such a law firm, a company whose deep experience with the insurance industry allows us far greater leverage in negotiating your damages. Any false step on the part of insurance companies and we swiftly file a breach of contract suit to get their attention — a sure way to make your voice heard in an industry not known for its customer care. If you want to retain expert uninsured motorist attorneys and do not relish the thought of paying in advance, please contact us at (847) 380-3309 or through the contact form. We never take any fee unless we win you money.

Above: The Importance of Uninsured Motorist Coverage

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