Illinois has a Mandatory Insurance Law that is supposed to reduce the number of uninsured motorists. Unfortunately, there are drivers who purchase the required insurance only to let it lapse.
If you were involved in an accident with an uninsured driver, you would probably have to file a claim with your own auto insurance to pay for your medical bills and other damages.
A Chicago uninsured motorist lawyer can help you understand what your policy covers. A lawyer with Pintas & Mullins Law Firm can also stand up to an insurance adjuster who may try to deny or downplay your claim.
For a free case review with a member of our firm, please call (800) 794-0444.
How and When We Can Help
According to the Insurance Research Council, 13% of Illinois motorists are uninsured. There are also many drivers in Chicago who are underinsured, meaning that their coverage may not be enough to cover injury or property damage after a severe accident.
You are invited to call Pintas & Mullins Law Firm if you or a loved one was injured in one of these types of accidents that involve uninsured drivers:
- Your vehicle was hit by an uninsured driver, and you have bodily injury or property damage.
- You were injured by an uninsured driver while you were on a bicycle, motorcycle, scooter, as a passenger in a private car, as a passenger in a taxi, as a passenger in an Uber or Lyft ride-share car, or on foot (pedestrian).
- A loved one lost their life from injuries involving an uninsured motorist in any of the above scenarios.
It might be in your best interest to consult with a Chicago uninsured motorist lawyer as soon as possible because you have a limited time to take legal action. 735 Illinois Compiled Statutes section 5/13-202 allows two years from the date of the accident to file a personal injury or wrongful death lawsuit.
Call a member of our team today for a free case review to see how we can help.
Who Pays Your Damages in an Uninsured Motorist Case
Because the other motorist is uninsured, you cannot file a claim with an insurance company.
Most of the time, your damages—and those of your loved ones who were also hurt in the accident—are covered by your own auto insurance.
Uninsured or Underinsured Policy Protection
Illinois does not require you to carry uninsured or underinsured motorist coverage, but many responsible drivers do. You may have this coverage as part of your policy without even knowing it.
An attorney can thoroughly review your insurance coverage to help you understand your benefits. He or she can file, track, and manage your claim for you so that you can focus on your health and recovery.
In some uninsured motorist accidents, there is a third-party who may be held liable for the driver. For example, an employer may be held accountable for an uninsured driver who was on the clock when the accident occurred, or a vehicle malfunction caused the accident.
Uninsured motor vehicle accidents are complex. It can be stressful for you to deal with an insurance adjuster while you are recovering from injuries. A lawyer with Pintas & Mullins Law Firm can pursue compensation on your behalf.
For a free legal consultation with a uninsured motorist lawyer serving Chicago, call (800) 794-0444
What Mandatory Insurance Covers
Drivers in Chicago and throughout Illinois must have proof of insurance.
State law requires that all registered motorists carry these minimum amounts of insurance:
- $25,000 for bodily injury or death of one person in an accident
- $50,000 for bodily injury or death of more than one person in an accident
- $20,000 for damage of another person’s property in an accident
If you are severely injured, $25,000 would probably be insufficient. You may need to file a claim for additional damages.
Chicago Uninsured Motorist Lawyer Near Me (800) 794-0444
We Stand Up to Insurance Companies
If you know anything about insurance companies, you probably know this: They are eager to collect premiums but reluctant to pay claims, even for their own policyholders. That is why you are encouraged to call us today so that we can help you get the compensation your policy offers for your medical bills and other expenses.
Our process includes the following:
- Free case review at your home, the hospital, or by telephone.
- Gather evidence, including police reports, medical bills, eyewitness statements, and more.
- Thorough investigation into the circumstances, timeline, and involved parties.
- Talk to your healthcare provider about the extent, severity, and expected prognosis of your injuries.
- Compile all receipts, bills, and expenses.
- File a detailed claim.
- Negotiate a settlement.
We can also take your case to court. However, most insurance companies prefer to reach a settlement because it is less of a hassle. Your lawyer can explain what the settlement covers and your legal obligation under its terms.
Potential Compensation for Your Injuries
If you or a loved one was severely injured, a Chicago uninsured motorist lawyer might be able to help you pursue additional damages once your policy coverage limits are exhausted.
These damages might include:
- Surgery and hospitalization
- Diminished quality of life
- Pain and suffering
- Lost wages
- Diminished future earning potential
- Funeral and burial costs (in cases of wrongful death)
A lawyer with the Pintas & Mullins Law Firm may consult with medical, financial, or vocational experts to evaluate your damages.
Complete a Free Case Evaluation form now
No Upfront Costs for You
A Chicago uninsured motorist lawyer works for you on a contingency basis. You pay nothing up front and nothing out of pocket. We are paid from a portion of the compensation that we recover on your behalf. In other words, you have nothing to lose by giving a member of our team a call.
Call Pintas & Mullins Law Firm for a free case review at (800) 794-0444.