Uninsured Motorist Illinois
Uninsured Motorist Illinois
When a person is involved in a car crash with another vehicle, the usual routine is to stop, check on everyone to see if they are OK, and exchange personal information, including insurance coverage. So, what if the other driver has no insurance? What happens next?
While auto insurance is required in Illinois, not every driver has it. The main reason is because it is expensive. In the United States, the average insurance premium is more than $1,700 a month. That is almost $150 a month. Many newer vehicles, especially sports cars, cost even more to insure.
Car insurance is something not everyone can afford, especially when they are trying to pay the mortgage, utilities, food, and other daily expenses. However, this expense is something every motorist needs to prioritize. If your vehicle is involved in a wreck and ends up totaled, how will you get a replacement?
So, what happens if you are hit by a motorist who is uninsured? How will he or she pay for your damages? If you have at least the minimum amount of car insurance in Illinois, you should also have uninsured motorist insurance. The team at Patel Law can help you understand the importance of this insurance and how to handle accidents caused by uninsured and underinsured motorists.
What is Uninsured Motorist Insurance?
Illinois auto policies are legally required to have uninsured motorist (UMBI) protection. This insurance provides bodily injury coverage for everyone inside the vehicle—the driver and passengers. UMBI pays for damages caused by injuries, such as medical bills, lost wages and pain and suffering.
UMBI does not pay for vehicle damage. If you want collision coverage, you would need to get uninsured motorist property damage (UMPD). UMPD pays for repairs, up to $20,000 per accident.
There is also underinsured motorist bodily injury (UIMBI), which covers you and your passengers. It pays for crash-related injuries that exceed the other driver’s available coverage.
Uninsured motorist coverage covers not only uninsured motorists, but hit and run accidents as well. That is because when someone hits you in such a case, you do not have the opportunity to get their insurance information—if they have it. In fact, the reason why there are so many hit and run crashes is because these drivers have no insurance. They do not want to get in trouble with the law, so they do not stop and pray nobody finds them.
In these cases, there is no insurance company you can go after. However, if you have uninsured motorist insurance, your insurer will pay for your damages. You would file the claim with your insurance company and they will handle your claim.
However, dealing with uninsured motorist claims can be tricky. Many insurers refuse to pay up. That is where Patel Law comes in. Our aggressive personal injury lawyers are ready to do what it takes to help you recover the compensation you deserve. We will not let you settle for less. We are prepared to file lawsuits if necessary. Contact us today to see how we can help.
Illinois Insurance Laws
Under Illinois law, motorists must have auto insurance policies in these amounts in order to register their vehicles:
- $25,000 in liability insurance to cover the injury or death of one person in an accident
- $50,000 in liability insurance to cover the injury or death of two or more people in an accident
- $20,000 in property damage insurance to cover damage to another person’s property
Is Uninsured Motorist Coverage Necessary in Illinois?
Under Illinois law, all drivers are required to purchase uninsured motorist coverage of at least $25,000 per person and $50,000 per accident. This amount is required to register a vehicle. This is the minimum amount, but it is always recommended to purchase more.
Why? Accidents can result in significant injuries. Some crashes are major, resulting in broken bones, head trauma, mobility issues and even paralysis. While many people eventually recover, some suffer lifelong injuries. They may be unable to work and may need to rely on family members and nurses to provide daily care.
Contact a Decatur Uninsured Motorist Lawyer Today
Many drivers are uninsured or have little insurance. This can impact how much you can receive if you suffer damages in an accident. This can cause you to suffer unnecessary financial burdens.
Make sure you get the compensation you deserve. Get help from the experienced lawyers at Patel Law. Our team will aggressively pursue these claims. Get a free case evaluation and see how we can help. Fill out the online form or call (217) 384-1111.