The Value of Uninsured Motorist Coverage

And What to Do If Your Insurance Company Is Denying Your Claim

Uninsured motorist coverage is important if you are hit by a driver who has no insurance or if you are involved in an accident with a hit-and-run driver. If the driver is unknown, there is no way to bring a claim against his or her insurance company so you will need to bring a claim to your own company.

Uninsured and underinsured motorist claims can be brought in car and truck accident cases, in motorcycle accidents, and in pedestrian and bike accident cases.

If you've been involved in a serious accident, talk to an experienced personal injury lawyer who can review your policy and explain Illinois' uninsured motorist law and your options for financial recovery.

I'm attorney Ralph R. Hruby. Since 1982, I've been helping people in Warrenville, Wheaton and the greater Chicago area get the financial compensation they need. Contact me for help understanding your insurance policy or bringing a claim for compensation under your uninsured motorist coverage. Call 630.462.1400.

Possible Sources of Financial Recovery

The first place to look is your own insurance company. If you purchased uninsured motorist coverage, your own insurance company should cover you up to the limits of your policy. If your expenses are more than the policy you carry, I will look for other possible sources of compensation including the following:

• If the other driver was drunk, you may be able to seek compensation from the bar or restaurant that served the driver alcohol.
• If the other driver has savings or other assets, we may be able to bring a case to court asking for payment directly from the driver. (This is seldom the case with drivers who have no insurance).
• If you carry health insurance, your health insurance policy may cover your medical costs, up to the maximum of your policy.

Types of Expenses Uninsured Motorist Policies Cover

Under Illinois uninsured motorist law, you can recover money for the cost of medical care and rehabilitation services if you are injured. This can include the cost of adaptations to your home or car and a personal assistant if you require one on an ongoing basis.

You can recover money for financial losses such as lost wages when you can't work, the loss of future wages if you cannot return to your job or must accept a job with less pay. You can also be reimbursed for property loss and damages, including the cost to repair or replace your vehicle. In addition, you can recover damages for pain and suffering, disfigurement and loss of a normal life.

Don't sit idly by and suffer financial losses when you don't have to. Talk to a personal injury lawyer at the Warrenville Law Offices of Ralph R. Hruby to understand your insurance coverage and your rights to financial recovery under Illinois uninsured motorist law. Contact me or call 630.462.1400 for a free initial consultation.

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