Urbana Uninsured Motorist Accident

Urbana Uninsured/Underinsured Motorist Accident Attorney

When a negligent or reckless driver causes a car accident, the results can be devastating. When that same driver then flees the scene in an attempt to avoid responsibility for their actions, the results can be catastrophic. Sadly, such “hit and run” accidents are a daily occurrence in Illinois. Even when the driver remains unknown, the victims are still left dealing with their injuries–as well as the accompanying medical bills, car repair costs, and lost income.

If there is a bright side, it is that your own auto insurance policy should cover at least a portion of your damages. Illinois law requires all insurers to provide “uninsured motorist” (UM) coverage as part of their standard policies. UM coverage means that your insurer stands in the place of the driver who hit you.

The downside is that your insurance company may fight you on your claim. Insurers are ultimately for-profit businesses looking to protect their own bottom lines. So, if you find yourself in a situation in which you need to claim uninsured motorist benefits, you may end up having to fight your own insurance company in court.

Urbana uninsured motorist lawyer Baku N. Patel and his team are here to help. At Patel Law, PC, we represent accident victims like you that are struggling to claim the insurance benefits they are entitled to under the law. Our team can take on the legal burden of dealing with your UM/UIM carrier, allowing you to focus on recovering from your injuries and getting back on your feet.

Is Uninsured Motorist Coverage Necessary in Illinois?

Some states make uninsured motorist coverage an option that the driver needs to purchase. That is not the case in Illinois. In this state, the insurer is required to automatically include uninsured motorist coverage with your policy. You do not need to take additional action.

Illinois also specifies the minimum amount of UM coverage your insurance company must offer $25,000 per person or $50,000 per accident. You can choose to purchase additional UM coverage, as well as underinsured (UIM) motorist coverage. Underinsured motorist coverage protects you when you know the identity of the driver who caused your accident, but the maximum limits of the driver’s own insurance policies do not compensate you for 100% of your damages.

Keep in mind, even if you only have the minimum amount of UM coverage, that may not be enough to pay for all of your bills and expenses related to the accident. $25,000 might sound like a lot of money. But once you factor in all of your losses, including time missed from work and your ongoing pain and suffering, you may quickly exhaust the limits of your policy. This is why you should carefully consider whether to purchase UM/UIM coverage beyond the minimum requirements.

How Will My Insurance Company Handle an Uninsured or Underinsured Motorist Claim?

Following an accident involving an uninsured or underinsured driver, you will need to contact your insurance company as soon as possible. Your insurer will then conduct its own investigation into the accident. Your policy may also contain specific deadlines for filing claims or appealing a decision to deny UM/UIM benefits. Under Illinois law, you must comply with these deadlines, or face losing your rights to receive compensation. In some cases, your policy may also require you to seek arbitration against your insurance company if you disagree with their decision regarding UM/UIM benefits.

Indeed, while you might think that your insurance company is “on your side,” the reality is that in many cases, you are more likely to find yourself in an adversarial position. Your insurance company may argue that your damages were not as great as you claimed. The insurer could even argue that you were partly or completely at-fault for the accident. This is why you need to have an Urbana uninsured/underinsured motorist accident lawyer who is unquestionably on your side. A lawyer’s ethical duty is to their client, not the insurance company and its stockholders.

Contact Patel Law, PC, Today Even under the best of circumstances, filing a claim for uninsured or underinsured motorist benefits means complying with a lot of rules and regulations. This is likely the last thing you want to do when recovering from an accident. The team at Patel Law, PC, can take that part of the burden off of your shoulders. We know how to deal with insurance companies, and we will put our experience to work in obtaining the benefits you are entitled to under the law. Contact us today to schedule a consultation.