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847-944-9400An Attorney’s Advice on How to Buy Car Insurance in Illinois
By: Parag P. Bhosale
As a personal injury attorney, I often sit across the table with insurance company representatives, trying to negotiate fair compensation for my client who was injured in an accident. All too often, the driver at fault cannot cover all of my client’s medical expenses and property damage, even if I obtain the maximum award from the policy. Then my client and I will have to take further legal action against the driver to collect what is needed, most likely from the driver’s personal assets. And why? Because the driver at fault did not make good choices when they purchased their insurance policy.
Buying auto insurance is always a gamble. You don’t want to spend more than you absolutely have to in order to be protected. The problem is, you never know how much protection you will need and by the time you find out you are underinsured, it is too late. Based on my experience as an attorney, here are some things you should consider when you shop for insurance so if you find yourself in the midst of a personal injury suit, you will come out on top.
When you buy car insurance in Illinois, in general, you get what you pay for. If you choose a substandard insurance company and you ever make a claim, you can expect substandard customer service. You may have trouble getting to a live person on the phone or having your calls returned. Most importantly, you may have difficulty getting claims paid. Substandard insurances would rather drag out a case and subject their insured party to litigation than admit fault and pay the plaintiff.
Medical coverage is optional. If you don’t have any coverage, you will be responsible for your own medical bills in case of an accident. The trouble with 25/50/20 insurance is that it rarely covers the type of accidents where claims come into play—like when there is a serious or debilitating injury or even death. If someone sues you over and above your policy maximum (which is quite likely when you carry only minimum insurance), the injured parties could come after your personal assets to make up the difference. You could lose your house, your business and your financial security before you know it!
The best way to protect yourself against a personal injury case is to know how to buy car insurance in Illinois. Then you will have both the right insurance carrier, and the right policy, on your side. If you ever find yourself in an accident and in need of legal counsel because of personal injury, please don’t hesitate to contact the experienced attorneys at Gardi, Haught, Fischer & Bhosale LTD by clicking on our free case evaluation button below.