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


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