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

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

Archive