DGAA bLAWg

Uninsured Motorist Insurance Claims

Web Admin - Thursday, April 17, 2014

illinois uninsured motorist attorney

Driving is such a mundane part of many people's lives that they often take it for granted. However, because driving is so common, it is only a matter of time for most people before they end up in an auto accident. In fact, according to estimates done based on car insurance industry data, most people will experience three to four accidents over the course of their lives. That means that for the majority of drivers, car accidents are a matter of when, rather than a matter of if.

Consequently, carrying car insurance protection is not only a good idea, but it is actually legally required in Illinois. However, despite these laws, many motorists take to the roads without any insurance at all. Furthermore, even those who do carry state minimum coverage may not have enough to cover the injuries and property damage that often arises from more serious accidents. That means that drivers should take their security into their own hands by maximizing theiruninsured and underinsured motorist (UM or UIM) coverage.

What Is UM/UIM Coverage?

UM covers both your property damage and bodily injury in cases where the driver at fault for the accident either does not have insurance or has too little insurance to pay for the full cost of the crash. Many"full coverage" insurance policies in Illinois already have this sort of coverage built into them. It is important to read the policy carefully to understand whether they involve UM coverage, as well as the maximum amounts of property damage and personal injury that the plan will cover.  Ask you agent to maximize your UM/UIM coverage.

Using UM/UIM Coverage

UM coverage comes into play in two circumstances. The first circumstance occurs when there is no way to receive damages from the driver at fault for the accident. Often, that is because the driver at fault is illegally driving without insurance, but UM coverage may also protect against hit-and-run accidents where the driver at fault flees the scene.

The second circumstance occurs when a person ends up in an accident with a driver whose insurance will not cover the full cost of the accident. Suppose someone with $100,000 in personal injury UM coverage is hit by a driver with only $30,000 of personal injury insurance. If the accident is serious enough that the medical bills exceed $30,000, then the driver with UM insurance can pursue a claim against their own insurance company to make up the difference.

If you or a loved one has been involved in an accident with an uninsured or underinsured motorist, seek help from a skilled Illinois personal injury attorney today. Filing UM insurance claims can be a complicated process, and our team of attorneys helps people across the northwest suburbs in towns like Arlington Heights, Schaumburg, and Crystal Lake. Our attorneys will help ensure that you receive the full protection provided in your insurance contracts.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

What Do I Do if I'm Injured in a Texting-and-Driving Accident?

Web Admin - Saturday, October 05, 2013

What Do I Do if I'm Injured in a Texting-and-Driving Accident?

A car accident of any type can be traumatic regardless of who is at fault. In Illinois, there are some important steps to take to make sure you follow the legal and responsible measures after an auto accident, especially a texting-while-driving collision. If you have been injured in a distracted driving accident, state laws protect your safety. A knowledgeable Illinois personal injury attorney can help you obtain the compensation you deserve.

After the Car Accident

First, make sure that you do not need immediate medical care. If you do, call 9-1-1 and wait for an ambulance. If you only have slight pains, it is still crucial to see a doctor. If you do not seek medical attention after an accident, you may not be able to receive coverage for future health care costs.

Second, if you are safely able to, gather as much information as you can on the scene. Make contact with the other driver and write down everything, such as their insurance provider, policy number, license plate number, and driver’s license number. Also, take pictures of both vehicles and your injuries on your cell phone.

Next, contact your insurance agency and report the accident. Some providers require you report an accident within a certain period of time, so make sure to contact them as soon as possible. If law enforcement responded to the accident, you can request and send a copy of the police report.

Finally, seek out a committed personal injury lawyer with experience in Illinois traffic accidents. A knowledgeable attorney will successfully represent you by seeking positive results for your car accident case.

Texting-While-Driving Laws in Illinois

Under certain circumstances, if a driver hits you while texting and driving, it is against Illinois law. According to Distraction.gov, the U.S. Government website for distracted driving, the cell phone driving laws for Illinois are:

  1. Ban on all cell phone use (handheld and hands-free) for bus drivers (primary law)
  2. Ban on all cell phone use (handheld and hands-free) for novice drivers under the age of 19 (primary law)
  3. Ban on texting for all drivers (primary law)
  4. Ban on handheld cell phone use while driving in school or highway construction zone

Generally, handheld and hands-free devices are permitted in Illinois, except while texting. In Chicago, however, all handheld devices are banned while driving. Since the Illinois cell phone driving laws are considered “primary” ones, a police officer can pull you over for the offense without witnessing another violation (as opposed to secondary laws which only allow an officer to pull you over after witnessing another violation).

If you have been injured in a texting-while-driving car accident, contact an experienced Illinois personal injury law firm. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC, are committed to serving clients throughout Cook, DuPage, McHenry, Lake and Will Counties. Contact DGAA online or call the Chicago and Palatine offices at 847-934-6000.


Recent Posts


Tags

Palatine business attorney Palatine real estate lawyer personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Illinois rollover accident lawyers Crystal Lake car accident attorney corporate law rest breaks Deer Park personal injury lawyer Inverness corporate attorney car accident lawyer Colin H. Gilbert PTSD Family Medical Leave Act Schaumburg civil litigation attorney Chicago traffic lawyer medical malpractice Barrington workers compensation attorney agent Des Plaines personal injury lawyer Schaumburg criminal law attorney estate planning attorney estate planning Chicago estate planning lawyer Illinois bicycle safety Rolling Meadows personal injury lawyer Inverness real estate lawyer jet ski Illinois attorney Crystal Lake law firm Illinois job attorney Illinois pet lawyer cell phone foreclosed rental property Illinois trucking safety medical malpractice compensation privacy laws loss of consortium Landlord Tenant Ordinance civil litigation attorney Illinois Smoke Detector Act estate planning trusts boating DUI Chicago lawyer medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Crystal Lake business law attorneys criminal law mortgage Illinois personal injury attorney Rolling Meadows employment law attorney Illinois construction accident attorney DGAA Illinois boating accident lawyer social media after death Arlington Heights TBI attorney insurance claim denial liability claims car accident Des Plaines pet law attorney fiduciary rule delay clemency Arlington Heights Attorney Arlington Heights insurance attorney Palatine construction attorney Arlington Heights real estate lawyer landlord loopholes traffic laws insurance claims traumatic brain injury Arlington Heights wills and trusts lawyer Crystal Lake bike accident lawyer Barrington litigation attorney Illinois criminal defense attorney Policy Cancellation insurance negligence Chicago estate planning spinal cord injury crossover accidents Schaumburg probate attorney Inverness real estate attorney FSLA civil litigation insurance claim delay Crystal Lake insurance lawyer drug crimes lawyer insurance claim dispute attorney personal injury claim Buffalo Grove personal injury attorney Rolling Meadows traffic attorney Des Plaines drug crimes lawyer boating accidents drunk driving statistics pet law Employment Discrimination Law Rolling Meadows marijuana attorney Rolling Meadows business lawyer probate Palatine civil litigation lawyer Deer Park medical malpractice attorney Rolling Meadows advance healthcare directive real estate lawyer Buffalo Grove traffic lawyers Long Grove estate planning attorneys pet bites Crystal Lake injury attorney employee misclassification condo trucking accident lawyers Arlington Heights wills and trusts attorney Schaumburg estate planning lawyer Illinois workplace discrimination attorney mass shooting ken apicella Transfer on Death Instrument rollover accidents BAIID Buffalo Grove real estate attorney Chicago corporate attorney Illinois elder law attorney modern family estate planning Illinois mortgages Crystal Lake will lawyer liability Barrington business law firm Illinois employment laws personal injury lawyer senior citizens fatal car accidents Mount Prospect elder law attorney Barrington employment law attorney Illinois car accident attorney Illinois employment attorneys texting and driving Chicago insurance law firm Palatine law firm car collision Illinois insurance attorney Inverness DUI lawyer Inverness traffic law firm Palatine corporate law attorneys Illinois small business Illinois real estate personal injury claims Illinois driving without license Barrington attorney gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys food poisoning Schaumburg car accident attorney healthcare Buffalo Grove medical malpractice lawyers Palatine personal injury lawyer civil rights violation criminal record insurance dispute life insurance claims pedestrian accident life insurance lawyer South Barrington real estate attorney real estate Buffalo Grove insurance claim dispute lawyers Barrington criminal defense lawyer drug crime Illinois jet ski accident lawyer insurance denials life insurance overtime pay Illinois medical malpractice lawyers power of attorney for healthcare Arlington Heights tax lawyer Illinois living will murder Illinois motorcycle accident lawyer murder charges Chicago insurance claim attorneys Crystal Lake car accident lawyer Des Plaines medical malpractice attorney suspended license Rolling Meadows employment law attorneys Barrington Illinois estate planning lawyer drug crimes CAM workers compensation benefits traffic violations defense Illinois medical malpractice claim distracted driving accidents pedestrian injuries, pedestrian fatality Illinois injury lawyer Barrington real estate lawyer Rolling Meadows insurance dispute lawyers, insurance dispute Kenilworth estate planning attorneys probate claims process golf accidents Chicago trucking accident attorney Chicago attorney South Barrington real estate lawyer distracted driving accident victims Des Plaines personal injury attorney back injuries Inverness personal injury attorney Des Plaines tax law firm driving anesthesia errors wrongful death product liability Palatine corporate attorney Joliet general practice lawyers financial advisors Barrington medical malpractice lawyers caretaker rights foreclosure Arlington Heights personal injury attorney Illinois employee rights attorney. Illinois workplace lawyer Deer Park DUI lawyer Rolling Meadows insurance attorney Illinois corporate lawyer FMLA insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys Arlington Heights estate planning attorney rent to own real estate contracts vacation home fines Rolling Meadows criminal lawyer Buffalo Grove criminal defense lawyer Arlington Heights accident attorney college kids Barrington estate planning lawyer special needs trust Home Remodeling Repair Act reckless homicide car crash injuries changes to mortgage law employment law Illinois insurance disputes rollover car crashes installment contracts personal injury law firm Inverness injury lawyer license reinstatement Deer Park accident attorney Arlington Heights pedestrian accidents dynasty trusts health insurance dispute Rolling Meadows boating crash lawyer preventable medical errors Illinois DUI attorney disability benefits Schaumburg personal injury attorney Illinois wrongful termination lawyer Crystal Lake employment attorney hands free device insurance claim denials living trust vs will probate fees Illinois insurance claim attorney cell phone tower data employee discrimination Attorney Ken Apicella Long Grove wills and trusts attorneys Schaumburg employment law attorneys Barrington civil litigation attorney employment contract natural gas Arlington Heights car accident lawyer Thanksgiving Palatine civil attorney real estate attorneys workers compensation Rolling Meadows DUI lawyer Illinois business lawyer insurance agent negligence estate tax Affordable Care Act tax attorney wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Schaumburg injury lawyer creditors real estate attorney Crystal Lake medical malpractice law firm Schaumburg real estate lawyer Illinois personal injury lawyer no contest clauses power of attorney probate process Illinois traffic attorneys Barrington Traffic Lawyer Arlington Heights lawyer Barrington boating accident attorney Illinois red light cameras workplace sexual harassment Buffalo Grove employment lawyer criminal defense Des Plaines civil attorney condo association home inspection lawyer overtime violations jet ski accidents spinal cord injuries traffic violations Illinois employment lawyer car accident lawyers comp time medical research trusts Arlington Heights criminal lawyer Arlington Heights employment law attorneys insurance claim dispute Illinois real estate lawyer Legal Info Barrington employment attorney Illinois workers compensation lawyer defective products lawyer appealing an insurance claim problem employees Inverness estate planning lawyer Illinois employment law firm vacation home Des Plaines Traffic Lawyer wage theft insurance agents Des Plaines accident attorney Kenilworth estate planning lawyer truck collisions Schaumburg Attorney Kenilworth estate planning attorney Deer Park motorcycle accident lawyer Illinois Transfer on Death Instrument DMV holiday statistics BUI Illinois civil litigation lawyer Food and Drug Administration's Food Safety Modernization Act construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation car crash Palatine punch death Palatine employment attorney hit and run accident Arlington Heights wills and trusts attorneys Illinois medical malpractice attorney preventing accidents Illinois employment law Illinois insurance dispute lawyers Buffalo Grove car accident lawyer Rolling Meadows accident lawyer Rolling Meadows tax attorney trench injuries wrongful termination Crystal lake insurance dispute attorney Crystal Lake pet attorney Class A misdemeanor caregiver criminal surgical mistakes Crystal Lake personal injury attorney Des Plaines personal injury lawyers employment attorney employment lawyer fault based insurance Long Grove estate planning attorney residential real estate Buffalo Grove corporate attorney Fair Labor Standards Act attorney fees Crystal Lake civil litigation lawyer Rolling Meadows corporate lawyer probate claims trustee Rolling Meadows drug defense attorney Whistleblower Claims personal injury accidents startup company Crystal Lake employment lawyer living wills guardianship attorney Palatine employment lawyer pizza emoji Rolling Meadows car accident lawyers Crystal Lake tax lawyer cell phone accidents texting while driving Des Plaines claims law firm Illinois Wage Payment and Collection Act Des Plaines drug lawyer Self-Directed IRA Accounts Schaumburg Illinois Sales Representative Act Barrington estate planning attorney Long Grove estate planning Illinois personal injury lawyers manufacturing bike accident Long Grove real estate attorney Illinois traffic ticket lawyer consent to a search Illinois wills and trusts attorneys insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys employment law, Illinois employment laws underfunded trust filing a medical malpractice claim in terrorem provision estate plan digital assets child safety Liquor Control Act underage DUI commercial leasing Illinois lawyer icy parking lots deadly crashes Des Plaines motorcycle accident attorney Illinois insurance lawyer Illinois pedestrian accident attorney Crystal Lake medical malpractice attorneys digital media accounts, estate planning, Arlington Heights estate planning attorney, blended families Arlington Heights medical malpractice lawyer Crystal Lake medical malpractice lawyer Des Plaines insurance attorney Illinois collections attorney Inverness accident lawyer landlord tenant law Arlington Heights car crash attorneys Illinois employment law attorney Schaumburg traffic lawyer revenge porn Illinois employment law attorneys slip and fall Inverness civil lawyer probate lawyer Rolling Meadows litigation lawyer Illinois traffic attorney Inverness probate lawyer Illinois estate planning hiring employees Schaumburg corporate attorney Rolling Meadows traffic law firm insurance dispute attorney head on collisions Illinois Workers’ Compensation Commission Rolling Meadows insurance lawyer dealing with problem employees drug possession Crystal Lake traffic attorney Arlington Heights personal injury lawyer estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Federal Food Drug and Cosmetic Act DUI defense Jay Andrew sole proprietorship Buffalo Grove injury lawyer LLCs TBI forming a corporation in Illinois insurance attorney underinsured motorist GM ignition switches Illinois estate planning attorney Buffalo Grove personal injury lawyer dog bites sexual images Mount Prospect real estate lawyer Schaumburg employment attorney job lawyers denied insurance claim car accidents Long Grove real estate lawyer Palatine probate lawyer trust payments digital evidence Barrington personal injury attorney homestead rights Deer Park employment law attorney Fourth of July Crystal Lake estate planning lawyer Des Plaines real estate attorney slip and fall accidents Mt Prospect Attorney estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, construction accidents first degree murder Chicago will attorney, social media platforms, Illinois estate planning lawyer, Crystal Lake criminal defense attorney pregnant women Forcible Entry Colin Gilbert unfunded trust Illinois Probate Act of 1975 Deer Park real estate law firm eluding a police officer blood alcohol content wills Rolling Meadows employment attorney owner responsibility Rolling Meadows real estate attorney Schaumburg personal injury lawyer Illinois wills and trusts traumatic brain injuries Arlington Heights employment attorney Palatine elder law attorney privacy low-ball insurance settlement Inverness insurance attorney auto accidents Illinois will lawyer right to work Illinois tax attorney Illinois Rolling Meadows personal injury attorney estate attorney Schaumburg medical malpractice lawyer Des Plaines injury law firm Crystal Lake employment law attorney real estate zoning Barrington drug crime attorney Deer Park workers compensation lawyer personal injury attorney Illinois estate planning law firm Deer Park traffic lawyer Crystal Lake pedestrian accident lawyer traffic accidents Des Plaines real estate lawyer elder law breathalyzer test Barrington injury attorney Mount Prospect wills and trusts lawyers Illinois workers compensation attorney Arlington Heights traffic attorney Barrington employment law firm traffic tickets Inverness elder law lawyer dram shop law POA pain and suffering Crystal Lake accident attorney real estate contract Schaumburg drug defense lawyer Schaumburg criminal attorney compensatory time income distribution deducation Illinois business law atorneys field sobriety test denied insurance claims Crystal Lake personal injury lawyer Deer Park criminal attorney real estate leasing Illinois traffic laws traffic deaths Schaumburg construction accident lawyer unauthorized overtime insurance disputes life insurance policy Barrington criminal lawyer new real estate form Illinois speeding lawyer DUI Rolling Meadows criminal attorney Exclusions unpaid assessment Palatine traffic accidents Palatine injury attorney Arlington Heights injury attorney murder defense sexual harassment Illinois probate lawyer taxes Chicago biking tips IRELA drunk driving speeding expungement work unions insurance adjusters employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys institutional trustee Super Mario IRA benefits Palatine traffic lawyer DUI penalities brain injury federal crimes Illinois insurance claim dispute lawyers premises liability denial of life insurance license suspension elder abuse medical marijuana Chicago employment lawyer Crystal Lake traffic lawyer Palatine workers compensation lawyer deed transfer Rolling Meadows insurance dispute lawyers commercial leases operating agreements Palatine Attorney Arlington Heights Traffic Lawyer accidental death benefits Chicago will attorney motorcycle accident lawyer Chicago car accident lawyer Schaumburg insurance lawyers IRS Illinois medical malpractice case Rolling Meadows personal injury lawyers trucking accidents boating under the influence defective products Palatine employment law lawyer Arlington Heights trucking lawyer bicycle dooring accidents wills and trusts healthcare claims Illinois trusts attorney Schaumburg estate attorney unpaid overtime Detainer Actions Deer Park traffic accident attorney insurance denial appeals Do Not Resuscitate small business pedestrian-automobile accident trauma after an accident independent contractor traffic crimes Buffalo Grove traffic attorney Riverwoods estate planning lawyer employees traffic offenses business litigation Schaumburg personal injury lawyers Palatine estate planning lawyer Illinois insurance claims lawyers minimum wage drugs Home Sale Contingencies bad faith insurance claims paid sick leave Des Plaines collections attorney llinois Real Estate Lawyers Association Rolling Meadows Attorney uninsured motorist bicycle accidents Palatine criminal defense lawyer irrevocable trust Palatine trusts lawyer Palatine insurance lawyer controlled substance personal injury Arlington Heights wills and trusts lawyers marijuana crimes attorney Illinois LLC creation breach of contract Retaliatory Discharge car crashes products liability ACA Rolling Meadows estate planning attorney internet Illinois registered agent fiduciary rule digital information Illinois defective products attorney ObamaCare liens employee rights estate planning lawyer Schaumburg wrongful death attorney marijuana Illinois personal injury Buffalo Grove law firm Illinois insurance claim dispute lawyer Rolling Meadows probate lawyer severance agreements living trust federal regulations for LLCs commercial real estate Rolling Meadows Traffic Lawyer pedestrian accidents Schaumburg elder law lawyer employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, swimming pools motorcycle accident Illinois traffic accident lawyer whistleblower protections Des Plaines criminal attorney nursing home negligence Buffalo Grove probate lawyer IRA trust transfer rumble strips living trust benefits School Visitation Rights Act insurance claim digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Chicago employment attorney DNR Des Plaines DUI attorney Schaumburg estate planning attorney DUI attorney automated cars gift taxes Des Plaines Rolling Meadows medical malpractice lawyers Palatine drug lawyer Barrington personal injury lawyer license BAC Illinois Human Rights Act license revocation natural gas explosion Illinois home inspection investment property involuntary manslaughter real estate closing meal breaks medication errors Illinois law workers comp capital gains tax medical malpractice claims estate planning for college students

Archive