What happens when the driver who injured you has some insurance but not enough? A Chicago underinsured motorist accident attorney of The Horwitz Law Group can help you obtain compensation for damages from the underinsured motorist provision of your own insurance policy.
Inadequate Coverage
Illinois drivers are only required to carry liability insurance with a minimum coverage of $20,000 per person and $40,000 per accident. Often, this coverage is just not enough.
It does not take much of an accident to leave you with tens of thousands of dollars in damages. Costs associated with doctor's visits, hospital stays, surgery, rehabilitation costs, lost wages, lost future earning capacity, damage to your own vehicle, and your own pain and suffering can quickly exceed the minimum coverage limits. This can leave you injured, unable to work and facing significant debt through no fault of your own.
The underinsured motorists (UM) portion of your insurance policy can provide additional coverage when damages exceed the limits of the other driver's coverage. Our lawyers are experienced in representing clients in underinsured motorist claims.
Will My Premiums Go Up?
In most cases, your insurance rates will not go up simply because you made a claim on your underinsured motorist coverage. However, as soon as you make a claim on your insurance, you will become an adversary to your own insurance company. Its representatives will attempt to minimize the amount of damages they pay to you. That is why it is extremely important to seek representation from a lawyer who will pursue full coverage.
Our Chicago uninsured motorist lawyers are experienced in obtaining compensation in uninsured and underinsured motorists claims. A significant portion of our practice is devoted to helping those injured by those who lack any insurance or adequate insurance. Please let us explain how we can help you. To arrange a free consultation about your case, please contact The Horwitz Law Group by e-mail or call 312-386-7002.
