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.


Recent Posts


Tags

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

Archive