When you have been injured due to someone else’s negligence, that person often doesn’t have enough money on hand to properly compensate you for your injuries. This is true in most cases, in fact, and it is typically a person or business’s insurance company that will pay you for your personal injury.
Motor Vehicle Insurance Limits
One of the most common situations where policy limits become an issue is car accident injuries. In Illinois, the required minimum injury coverage limit is $20,000 per person and $40,000 per accident. If you’ve been in the hospital for your personal injury, it’s likely your costs are higher than that, especially once you add in lost wages.
Property Insurance Limits
Another possible situation in which insurance limits may be an issue is the case of a slip and fall accident. In this case, insurance limits may be higher, $100,000 is pretty typical, and $300,000 or more is not uncommon.
Medical Malpractice Insurance
Doctors and other healthcare providers are required to maintain medical malpractice insurance. Typical limits are $1 million per occurrence or $3 million aggregate for an individual practitioner. Hospitals and other facilities are generally higher.
Often, your personal injury claim may be covered under multiple insurance policies. If you have underinsured motorist coverage, for example, you may be able to get compensation from your own insurance as well as the other drivers’. There are also umbrella policies associated with homeowners’ insurance that may cover car accidents and other types of accidents that occur away from the property.
At Willens Law Offices, we will fight for the compensation you deserve, which means, among other things, finding out what type of insurance coverage may apply to your personal injury.
Contact Willens Law Offices to Receive a Free Consultation from an Experienced Attorney
To discuss your personal injury, medical malpractice, car accident or wrongful death case, call our Chicago Personal Injury Attorneys today at (312) 957-4166 to speak with an experienced personal injury attorney. Initially, we will listen to you and offer you guidance. We see this initial FREE consultation not only as a way for us to get to know you, but also for you to better understand who we are and what we can do, so you can feel comfortable making the decision as to which law firm to hire.