Law Offices of Mathys & Schneid - Naperville Personal Injury Lawyer Illinois Personal Injury Law Firm
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How does your uninsured and underinsured motorist insurance protect you?

What happens in car accidents where you are injured but the person who caused the crash has no insurance coverage or not enough insurance to cover your damages? If you have uninsured (UM) and underinsured (UIM) coverage as part of your car insurance plan you can have another way to receive additional compensation for your injuries.

Illinois law only requires drivers to have $20,000 of liability insurance to pay for the personal injury damages the driver causes others in a car accident. Despite this law, there are many drivers on the road who do not have any insurance whatsoever, or only have the bare-minimum insurance.

The $20,000 minimum required insurance would not even come close to covering the medical bills in a serious or even moderately severe injury case, not to mention your lost wages, pain and suffering and disability. Emergency room treatment involving x-rays, CT Scans, and MRIs can easily exceed $20,000. Surgeries and hospital stays can exceed $50,000-$100,000. If the wrongdoer's insurance cannot cover all of this, you will have to use your uninsured or underinsured motorist coverage.

In an uninsured or underinsured coverage situation, your own car insurance company may be available to pay compensation to you for medical bills, lost wages, pain and suffering and disability over and above what the wrongdoer's insurance company pays you.

Contact your car insurance agent and ask about increasing your uninsured and underinsured motorist coverage as high as possible because that insurance is inexpensive and it protects you and your family.

The attorneys at Law Offices of Mathys & Schneid evaluate every car accident case to determine if there is an extra option for your recovery through an uninsured or underinsured motorist coverage claim. We can determine whether you have such a claim and we will be able to maximize whatever recovery your case deserves. Statistics show that victims who are represented by an attorney recover more from insurance companies than those who are unrepresented.

The Law Offices of Mathys & Schneid continues to handle all types of car accident, motorcycle accident, truck accident, wrongful death, and other personal injury cases for clients in Cook, DuPage, Kane, Will, and Kendall Counties, including Chicago, Wheaton, Joliet, Geneva and the rest of the Chicagoland area. 

What Our Clients Say About Us

  • "Committed To My Cause"

    I was struck by a car while cycling and severely, almost fatally injured. A team of excellent medical professionals performed complicated and extensive surgical and medical procedures as part of a successful effort to restore my health....-Jeff D.

  • "Could not have made a better choice"

    We found Mark [Mathys] through the web after an auto accident in October 2011. While selecting someone you don't know to represent you can be a gamble, we could not have made a better choice....- Dave

  • "Very satisfied"

    Mark [Mathys] is very professional. He responds almost immediately, via email, to any question, comment or concern I have and if he is not able to respond right away, he will let me know. I have been very satisfied with Mark so far and I am happy to be his client.-Jennifer

  • "Easy to talk to"

    Mr. Mathys and Mr. Schneid were very professional and easy to talk to. Prior to working with them, my wife and I had no real experience with the legal system beyond a house closing, yet Mr. Mathys and Mr. Schneid explained the whole process to us very well. I knew that whenever I had a concern about our case or the legal system in general I could call their office or send an email and receive answers the same day...-Larry

  • "Provided very wise advice"

    I've dealt with attorneys on a variety of issues, almost all of them since leaving college and entering the workplace. Mr. Mathys was the first attorney I had any real experience with, and I was impressed then and remain so. He provided very wise advice and always kept me informed. In the end, he delivered a favorable result. I recommend him highly.- Tyler D.

  • "In-depth knowledge of the law"

    Mark [Schneid] is an excellent and skilled attorney and demonstrated in-depth knowledge of the law when he helped settle my dog bite lawsuit resulting from a traumatic incident. He explained what was needed of me and how I should handle the situation in a professional manner.- Karen K.

  • "They went to bat for me"

    Not long ago I was involved in a car accident where I was hit by a gravel truck at an intersection. After I called Mathys & Schneid, even though I didn't have a very large case, they made me feel like I was one of their most important cases. They went to bat for me with the trucking company's insurance and got me a settlement. I would definitely recommend them to my family and friends.-Dan H.

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