If you are having trouble settling with the insurance company after a car accident, seek legal help from a Chicago car accident lawyer.
All car insurance companies are not the same and they do not always provide the same type of coverage – the difference goes beyond the price tag. There are different types of insurance companies, each offering different types of coverage. Consider a variety of factors when shopping for auto insurance.
In the state of Illinois, there are a number of things to keep in mind before renewing your current policy or buying a new one. The policy you purchase must meet the minimum requirements. Drivers must have a minimum bodily injury coverage of $25,000, $50,000 for personal injury coverage per accident, and $20,000 for property damage. If you are found guilty of causing an accident, any damages awarded above these limits must be covered by you.
These limits are commonly known as liability limits because they cover costs related to an accident that you are liable for. It is also advisable to have underinsured or uninsured coverage on your policy. This type of coverage allows a car accident victim to file a claim against their own policy when they are involved in a hit and run accident or an accident caused by someone who does not have coverage.
Underinsured coverage comes in handy when you are involved in a car accident caused by a underinsured driver – a driver who does not have adequate coverage to cover all costs related to the accident. This coverage proves extremely beneficial in the event of a severe crash, resulting in extensive property damage, serious bodily injuries, and lost wages due to time missed from work.
Drivers also have the option to purchase collision coverage. With collision coverage, the policy pays for repairs or replacement of your car in the event of a crash. If you do not have collision coverage, and you get involved in a crash, you may have to pay for the damage out-of-pocket. Comprehensive insurance is another type of coverage that is optional in Illinois, and provides coverage if you car is stolen, vandalized, or strikes an animal.
Chicago Car Accident Lawyer
Regardless of what type of car insurance coverage plan you want to purchase, take the time to review all documents and do your homework before you sign the policy document. If you are having trouble recovering damages from the insurance company after a car accident, seek legal help from a Chicago car accident lawyer. Call Willens Law Offices at (312) 957-4166 for a free consultation.