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

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

Archive