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If you have been involved in an accident with an uninsured driver, you may be able to collect under your own automobile policy.
In Illinois, uninsured motorist coverage (UM) is designed to protect you if you’re in an accident with a driver who doesn’t have insurance or if you’re involved in a hit-and-run. Here are some key points:
- Mandatory Coverage: Illinois law requires all auto insurance policies to include uninsured motorist coverage, though you can choose to reject it in writing.
- Coverage Limits: The minimum coverage limit is typically set at $25,000 per person and $50,000 per accident. However, many people opt for higher limits for better protection.
- Underinsured Motorist Coverage: You can also opt for underinsured motorist coverage (UIM), which provides additional protection if the at-fault driver has insurance, but not enough to cover your damages.
- Filing a Claim: If you're involved in an accident with an uninsured driver, you'll need to file a claim with your own insurance company. They will investigate the accident and assess your damages.
At Brandenburg & Rees, LLP, we have extensive experience in UM/UIM claims. If you have been injured by an uninsured driver, contact us for a free consultation to explore your options.
The materials provided on this website are for informational purposes only. These materials do not, and are not intended to, constitute legal advice.
