In Illinois, 1 in 8 drivers have no insurance and many more have only the state minimum of $25,000 per person or $50,000 per accident. This creates a potential gap in coverage that could leave you on the hook for unpaid medical bills and lost wages.
In many cases, the only source of financial recovery from an at-fault driver is their automobile insurance. When the at-fault driver has no insurance or low amounts of insurance, this leaves you financially vulnerable. The good news is that you can protect yourself by purchasing uninsured (UM) or underinsured (UIM) motorist coverage through your automobile insurance.
“UIM coverage is the most important automobile insurance you can buy.”
– Josh Rohrscheib, Partner, BRE Law.
UM and UIM coverage guarantees that you will have a minimum amount of funds available to protect you and your family if you are injured by someone else. An experienced personal injury lawyer can help you pursue recovery of UM/UIM coverage. This can include negotiating with your insurance company or representing you in arbitration proceedings.