Uninsured Motorist Claims
Suffering injury in any auto accident is painful, frustrating, and often upsetting and traumatic. It is fortunate that laws exist to provide those hurt unjustly in accidents a way of seeking compensation for injuries. Unfortunately, it is often doubly frustrating to learn that the driver responsible for your injury is uninsured.
Our uninsured motorist attorneys at the Blumenshine Law Group offer extensive experience in helping clients obtain compensation for injuries when an uninsured driver is involved.
What is Uninsured motorist coverage?
Throughout Illinois, insurance companies are required by law to offer policyholders uninsured motorist coverage (sometimes abbreviated UM). Uninsured motorist coverage is an extension of your own insurance policy that allows you to collect certain compensation when liability insurance does not cover the person at fault. In particular, UM protects you in the following situations:
- When the driver responsible for the accident has no insurance of his or her own
- In hit-and-run accidents, when you are unable to identify the driver at fault
- If an accident is caused by a driver operating a stolen vehicle (in which case he or she is not covered under the insurance policy belonging to the vehicle owner)
Uninsured motorist coverage is fairly inexpensive, and offers limits that are at minimum $20,000 per person or $40,000 per accident, but the limits can be more, depending on your policy. Moreover, without UM, you can be left severely injured from an accident that was not your fault while having to deal with large medical expenses, lost wages, and disability costs. While UM applies to these costs, as well as pain and suffering, it should be noted that costs of vehicle and other property damage are not typically covered.
How Does Uninsured Motorist Insurance Work?
To utilize your uninsured motorist coverage, you need to file a claim against your own insurance company, as if they were the at-fault driver who caused your injury. It is critical that you consult one of our uninsured motorist attorneys at this point, as your own insurance company becomes an adversary that is primarily concerned with limiting its losses. While these types of claims often proceed to arbitration, they are also typically easier to settle than those against another insured driver, particularly when you have an experienced attorney by your side.
Scott Blumenshine has significant experience in the areas of underinsured and uninsured motorist claims. He is a member of the Illinois State Bar Association Assembly and has presented on underinsured and uninsured motorist coverage and claims for the Illinois State Bar Association.
Make a successful uninsured motorist claim when you are hurt by an uninsured driver
Our Chicago law firm will collect on your uninsured motorist policy when you are injured by an uninsured driver or in a hit-and-run accident. We have a particularly strong background in dealing with insurance companies on all issues, and in particular, those relating to automobile accidents. For a free consultation about your UM claim, contact the Blumenshine Law Group, or call us at (312) 766-1000 today. We serve clients in Chicago and surrounding suburbs.