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Understanding Uninsured/Underinsured Motorist Claims

If you were hit by a driver who was uninsured or underinsured, that does not mean that you will be left without compensation. Fortunately, drivers with liability coverage have the option to file a claim with their own insurance company to obtain benefits. At The Law Office of David Hunt, I will help you to determine your options for obtaining relief and the next steps in the claims process.

What If The Driver Who Hit Me Was Uninsured?

Liability insurance also covers you if you are hit by an uninsured motorist. If you are the victim of a hit and run or the driver who hit you is uninsured, you can pursue an uninsured (UI) motorist claim. You may file an uninsured motorist claim with your own insurance company or, in some cases, one of your family member’s insurers. If you have expenses that your insurance will not cover, filing a personal injury claim against the other driver may be an option.

I Can Help You To File An Underinsured Motorist Claim (UIM)

In Illinois, drivers are required to carry liability insurance of at least $25,000 if one person is injured. If two people are injured, drivers must carry at least $50,000 in liability coverage. In many cases, drivers only obtain the minimum liability coverage as required by law. While these amounts may initially appear to be substantial, the coverage is often not enough to cover all of a victim’s medical expenses. Medical expenses can balloon to well past $25,000 for one person, especially in cases of partial or total disability. Victims whose medical expenses surpass policy limits can file underinsured motorist (UIM) claims with their own insurance companies to cover the difference.

You Have Rights As A Victim. Call A Lawyer To Learn What They Are.

Request a free consultation at my Peoria or Galesburg office by calling 309-323-9667 or sending me an email. With an attorney, you will never feel alone. Together we will walk this road to recovery and relief.