Underinsured / Uninsured Motorist Coverage Disputes

If you have been hurt in an accident with an uninsured motorist, you may be able to receive payment from your own insurance company. Our Arlington Heights attorneys help drivers collect compensation after an accident with an underinsured or uninsured driver. If you have been hurt in an accident with such a driver, contact our Chicago-area law firm, Riebandt & DeWald, P.C., to learn how we can help you file a claim to recover benefits.

What is uninsured/underinsured motorist coverage?

In Illinois, all motorists are required to carry motor vehicle insurance, but the coverages required to be carried are minimal. There are other types of voluntary coverages you can (and should) purchase such as uninsured and underinsured motorist benefits. These types of coverage protect you against a negligent defendant who illegally does not have liability insurance coverage or has minimum coverage that is inadequate to fully compensate you for your injuries.

Procedures in underinsured / uninsured motorist cases

If you are involved in an accident with an uninsured but negligent individual, we would make a claim for you under your own uninsured motorist coverage. Your own insurance carrier would then have to pay any judgment that may be rendered, up to the limits of the policy that you purchased.

If the person who caused the accident has liability insurance, but the policy limit of his or her liability insurance is less than the uninsured motorist coverage of your policy, we can make an additional claim under your own policy for what is called underinsured motorist benefits, in the event that your damages exceed the limits of the other party’s liability coverage. A complicated body of case law has evolved dealing with this type of benefit, and the experience of an attorney familiar with these issues is important in order to obtain the maximum amount of recovery for you.

Contact a knowledgeable accident injury lawyer

If you have been injured by a driver with little or no insurance, contact an attorney right away to learn how you might receive compensation for your medical bills, lost income, and other costs of an accident injury.

No fee unless you recover payment for your injuries