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How does your uninsured and underinsured motorist insurance protect you?

On Behalf of | Apr 25, 2014 | Car Accidents

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.