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.

Recent Posts


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