What You Should Know about Uninsured Motorist Benefits in Chicago

Under Illinois law, drivers are required to have car insurance – but not everyone follows the law. If you are injured in a car accident with a driver who doesn’t have insurance, whose policy limits are less than what is needed to cover the claim, or in a hit-and-run, you may need to rely on your uninsured motorist (UM) benefits to make up the difference.

We’ve put together this short piece on what you should know about UM coverage, in case you’re ever in a crash that requires you to use it.

Do I Have Uninsured Motorist Coverage?

Every individual that has an automobile insurance policy, as part of that insurance policy in Illinois, has what is called “Uninsured Motorist Benefits.” The insurance of uninsured motorist benefits provides coverage for that individual, any other occupants of the individual’s vehicle, and protects them against damages they sustain for personal injuries as a result of the negligence or wrongful conduct of another driver who does not have insurance coverage.

If you have any questions about uninsured motorist benefits or the protections or rights of your insurance policy or whether you are covered from an automobile accident, please contact Gainsberg Injury and Accident Lawyers, or visit us at our website GainsbergLaw.com.

Does Uninsured Motorist Coverage Protect Me in a Lawsuit in Illinois?

If you were in a car accident and the other driver did not have insurance, you have what is called uninsured motorist protection. That provides benefits to you for your injuries, for lost wages, for medical bills and for other compensation you may be entitled to as a result of the accident. If there is a lawsuit involved because we have to go after the other driver or the other driver is pursuing a lawsuit against you, that does not affect your rights and protections under your coverage for uninsured motorist benefits.

If you’ve been in an accident and you have questions about a lawsuit, uninsured motorist benefits, please call or email us at Gainsberg Injury and Accident Lawyers. We have handled thousands of cases of uninsured motorist benefits protections. We will make sure that your rights are protected and that you get compensation under your insurance policy, or under the proper insurance policy for the motor vehicle or car accident.

To work with an experienced Chicago car accident lawyer, contact Gainsberg Injury and Accident Lawyers, or call us: 312-600-9585. The initial consultation is free.