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

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

Archive