Aurora Uninsured & Underinsured Accidents Attorney

What to do After a Car Accident with an Uninsured or Underinsured Driver?

Suffering an injury in a car accident can be a traumatic and expensive experience, which is why it is essential that you have adequate car insurance coverage to protect you and your assets in the event of a collision. Illinois law requires all drivers to have at least minimum liability coverage, which includes $25,000 for personal injuries or death of one person, up to $50,000 per accident for accidents involving more than one person, and $20,000 for property damage. 

Unfortunately, not everyone adheres to the laws governing liability insurance coverage, which can lead to a situation involving an accident with an uninsured or underinsured driver. In such cases, options exist for someone injured in an accident to recover damages; however, a lawsuit may be necessary to hold the at-fault party liable and to seek compensation. The insurance ramifications of these types of accidents can be very complex, making the help of a personal injury attorney essential. 

At Woodruff Johnson & Evans Law Offices, we understand how frustrating it can be to be involved in a car accident with an uninsured or underinsured driver. As you weigh your legal options while simultaneously trying to recover from your injury, you need to hire the services of a professional, compassionate law firm that tenaciously serves the needs of its clients. That is where we come in.

Pursuing Compensation Through Your Uninsured Motorist Coverage

In Illinois, drivers are required to have uninsured motorist coverage on their insurance policies to help protect them from situations like this. When you need to pursue compensation from your own insurance policy, you will likely be required to provide proof that the other driver does not have car insurance or that their policy is inadequate to cover the resulting damages. Once you have supplied evidence, you may be able to file a claim with your insurance company as if the other driver's insurance policy was covering the accident. It is important to note that this coverage applies only to incidents where the uninsured or underinsured driver is at fault.

Will Pursuing Compensation via My Uninsured Motorist Policy Be Easy?

You would think seeking compensation via your insurance company would be easy, right? Wrong. Dealing with insurance companies can be a frustrating experience, especially when trying to navigate a claim for uninsured motorist coverage after an accident. Insurance companies have legal teams on their side, and they can be hard to negotiate with, making the claims process more difficult than it should be. This is why hiring a personal injury attorney from the outset is the best way to get the help you need with the claims process.

Your lawyer will help you understand your legal rights while leveling the playing field against the insurance company its their team of attorneys. They can also:

• Help you gather evidence proving your case
• Communicate with insurance adjusters so you do not have to
• Negotiate a favorable settlement on your behalf
• Ensure all necessary documents are filed correctly with the relevant authorities
• Advocate for you while looking out for your interests at all times
• If applicable, file a lawsuit directly against the person responsible for causing the accident 

Contact a Chicago Uninsured Driver Car Crash Attorney

Finding yourself negotiating with your own insurance policy can be a nightmare. Fortunately, there are legal professionals ready and willing to help you in any way they can.

At Woodruff Johnson & Evans Law Offices, we offer the highest quality representation to our clients. With our knowledge, experience, and vital resources, clients can count on us when it matters most. We proudly serve Chicago and Aurora, IL, and can be reached at 630-585-2320 for a free consultation. Contact us today.