At Malman Law, we have decades of experience helping clients in cases involving uninsured and underinsured motorists throughout the Chicagoland area.
While being injured in an accident can be overwhelming, things can quickly get even worse if you find out that the other driver was not insured. Illinois law requires all drivers to carry auto insurance, but unfortunately, research shows that more than 1 in 10 drivers in Illinois are uninsured. With most auto accident cases being resolved through insurance settlements if you have been injured by an uninsured or underinsured motorist, what do you do?
Fortunately, even if the other driver was uninsured or underinsured, you may still be able to receive compensation for your losses. Malman Law’s attorneys have helped numerous clients collect money to cover their losses in this exact situation.
There are two primary ways that injured drivers and passengers can seek compensation after an accident with an uninsured motorist. These are:
The first and most common way that victims can recover compensation after an accident with an uninsured or underinsured motorist is to file a claim under their own insurance policy. Under Illinois law, all car insurance policies must include coverage for accidents caused by uninsured and underinsured motorists. This is “no-fault” coverage, meaning that you are entitled to file a claim regardless of who was at fault in the accident. As a result, accident victims commonly file uninsured and underinsured motorist claims where:
Despite providing an opportunity to recover no-fault compensation, uninsured and underinsured motorist claims can still be exceedingly complex. The laws regarding these claims are complicated, and if you are not familiar with all of the rules and restrictions, you may end up leaving a significant amount of money on the table. For example, did you know that you may be able to “stack” coverage under the insurance policies of all members of your household? At Malman Law, we can ensure that you do everything necessary to recover maximum compensation for your losses.
The second option for securing a financial recovery after an accident with an uninsured or underinsured motorist is to file a personal injury claim against a third party that is responsible for your injuries. There are many situations where an injured driver or passenger may have a third-party claim. For example:
2 years ago I was involved in a trucking accident involving a 14-wheeler truck that nearly disabled me for life. Steve fought to make sure that I received the most possible compensation for my injuries. I was about to take the insurance company’s lowball offer, but decided to call Steve first – it was the best decision I’ve made yet
NOAH TAFFELPersonal Injury Victim