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


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