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

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

Archive