Uninsured Motorist Claims in Illinois; a Decatur Injury Attorney Explains

In the state of Illinois, the law is clear – every driver must have liability insurance coverage in case they are deemed responsible for injuries that occur from an automobile collision. However, not every driver follows the law and carries the mandated coverage. That said, whenever you’re involved in an accident with an uninsured motorist, you might be able to make an uninsured motorist claim through your own vehicle insurance carrier.

What is Uninsured Motorist Coverage and What Does a Claim Entail?

Uninsured motorist coverage is a type of coverage that you can get when you purchase full coverage through your automobile insurance company. It will be applicable whenever you or a loved one is involved in an accident with an uninsured motorist, even if you are not in the vehicle at the time that the accident took place. For instance, such coverage would apply if your son or daughter were hit by a hit and run driver who left the scene of the accident.

With respect to what an uninsured motorist claim entails, the process simply involves your insurance company paying you the same amount of money that you would have gotten if the at-fault driver had carried his or her own insurance coverage. Your insurance company will then have the choice of attempting to recover (from the guilty party) the funds that it pays to you for your injuries. Realistically speaking, though, it is practically impossible to get that money back from an uninsured motorist.

Make Sure You Get an Attorney to Help You

Making a claim for uninsured motorist benefits in the state of Illinois can be very demanding from a technical standpoint. With that being the case, it would probably be a good idea to hire a well-versed Decatur, Illinois accident attorney to help you make the claim. Contact John Cannon today at 1-800-373-6050
for a free consultation.