Uninsured Motorist Accidents
Car accidents are terribly traumatic events on their own, but every day here in Chicago, drivers encounter an even greater frustration: car accidents involving uninsured motorists.
What If I Was Injured In A Car Accident With An Uninsured Motorist?
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? What if he or she has insurance, but not enough to cover all of the damages? In these situations, uninsured/underinsured motorist compensation takes a central role.
Many insurance policies include something called uninsured motorist coverage (often abbreviated UM) for this precise reason. Underinsured motorist insurance 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.
Uninsured Motorist Coverage And Underinsured Motorist Coverage
Although the concept of uninsured and underinsured motorist coverage may sound simple, situations involving these types of coverage can become complex, drawn-out affairs. This type of compensation has its own set of insurance guidelines, practices and issues, and there are many procedural hurdles that can make it hard to obtain compensation when you need it. Additionally, many insurance companies have a habit of denying or reducing UM claims as a matter of course, leading to further frustration for policyholders and their families.
What You Don’t Get From Uninsured Motorist Insurance
If you’ve been in an accident with an uninsured motorist, you are likely wondering “What does uninsured motorist coverage actually cover?” Unfortunately, uninsured motorist coverage here in Illinois will not cover all your expenses.
It will typically cover medical bills, lost wages, pain and suffering and any damage to your future earning capacity. It will not cover any expenses you incur as a result of damage to your property or vehicle. This leaves you on the hook for these expenses, which are often substantial. By pursuing a personal injury claim, you can seek additional compensation so that all of your damages are covered and an accident does not leave you financially burdened.
We Have Handled Uninsured Motorist Cases For Decades
Klest Injury Law Firm has represented clients in uninsured and underinsured motorist claims for many years. Our deep experience with the insurance industry allows us significant leverage in negotiating your damages. Any false step on the part of insurance companies and we will 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. When you put your case in our hands, you gain the peace of mind that can only be offered by working with experienced attorneys who know how to get you full compensation as quickly as possible.
We never charge an attorney fee unless we win compensation for you, so you can call us for a free consultation without risk.
If you cannot come to our offices in downtown Chicago or Schaumburg, we will come to you.