When you drive a car in a crowded city such as Chicago, it is extremely important that you drive defensively.
Even though we trust other drivers to follow the rules of the road and drive safely, there are numerous cases when this trust is broken and accidents are caused because of negligence, speeding, and aggressive driving. Every year, a large number of car accidents are caused by uninsured/underinsured drivers. Some estimate that in the United States, around 1 out of 6 drivers are uninsured. Furthermore, about 14 percent of car accidents are caused by uninsured drivers. In Illinois, close to 13 percent of drivers are uninsured and an even greater number are underinsured. In addition, a large number of accidents also involve hit and run drivers, who are generally treated as uninsured drivers by the law.
If you are injured in an accident caused by an underinsured, uninsured, or hit and run driver, you should understand your rights. Speak to an experienced Chicago personal injury lawyer before proceeding with the claim process.
The accident may have caused serious injuries and extensive damage to your vehicle and you may be faced with a pile of bills to pay. If you have uninsured/underinsured motorist coverage, the difference between your medical expenses and the limit of the at-fault driver’s insurance policy may be covered. Consult a Chicago car accident lawyer to find out if you have an uninsured/underinsured motorist claim.
Insurance Requirement in Illinois
In Illinois it is mandatory for drivers to have insurance that pays at least:
- Bodily injury or death claim of $20,000 per person and $40,000 per accident in case the accident is your fault.
- $15,000 in case of damage to someone else’s property.
When you buy full coverage insurance in Illinois, you are required to have coverage of up to $20,000 per person and $40,000 per accident when the accident is caused by the fault of another person who is underinsured/uninsured.
Have Enough Coverage
It is always better to have as much cover as you can afford as the state minimums would barely cover expenses if the injuries suffered are serious. As a rule of thumb, your underinsured/uninsured motorist coverage will have the same limit as your injury cover. For example, if you have bodily injury cover of $40, 000 you should have underinsured/uninsured motorist coverage of $40,000 as well.
Personal Injury Attorneys
Consult with a Chicago car accident lawyer from The Willens Law Office before talking to your insurance company.