Uninsured & Underinsured Motorists

Receive Aggressive Legal Representation for Uninsured and Underinsured Driver Accidents from Our Attorneys in Schaumburg

If you’ve been injured in a car accident and the other driver lacks insurance coverage, there’s still hope for you to receive compensation for your losses. Our legal team of uninsured motorist attorneys has a long history of helping clients navigate cases involving uninsured and underinsured motorists in Schaumburg and the surrounding areas.

Dedicated Car Accident and Injury Attorneys Advocating for Victims of Uninsured and Underinsured Drivers in Schaumburg

Suffering an injury in an accident is distressing, and it becomes even more challenging when you discover that the other driver is uninsured. While Illinois law mandates all drivers to carry auto insurance, statistics show that over 1 in 10 drivers in Illinois are uninsured. As most auto accident cases rely on insurance settlements, what should you do if an uninsured or underinsured motorist has injured you?

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Fortunately, even when the other driver lacks adequate insurance, you may still be eligible for compensation for your losses. The Uninsured & Underinsured Motorist Accident Attorneys at Gardi, Haught, Fischer & Bhosale LTD have a proven track record of helping clients secure financial recovery in this situation.

Hiring an Uninsured & Underinsured Motorist Accident Attorney and pursuing Compensation after an Accident with an Uninsured or Underinsured Motorist

There are two primary avenues for injured drivers and passengers to pursue compensation after an accident involving an uninsured motorist:

Filing an Uninsured or Underinsured Motorist Claim with Your Insurance Policy:

The most common and initial method for accident victims to recover compensation is to file a claim with their insurance policy. All auto insurance policies in Illinois must include coverage for accidents caused by uninsured and underinsured motorists. This is commonly called “no-fault” coverage, meaning you can file a claim regardless of who was at fault in the accident.

Accident victims frequently file uninsured and underinsured motorist claims when:

• A hit-and-run driver injured them.
• The accident did not involve a collision (for example, when another driver caused you to swerve off the road).
• The other driver did not have any insurance.
• The other driver had insurance, but the policy limits were lower than your uninsured motorist coverage (this is known as an “underinsured” motorist).

Despite offering an opportunity to recover no-fault compensation, uninsured and underinsured motorist claims can still be complex. The laws governing these claims are intricate; with a deep understanding of the rules and regulations, you may get a significant amount of compensation. For instance, were you aware that you might be able to “stack” coverage under the insurance policies of all members of your household? Our team of highly experienced Schaumburg Uninsured Motorist Attorneys can ensure that you take all necessary steps to secure maximum compensation for your losses.

The second option for obtaining financial recovery after an accident with an uninsured or underinsured motorist is by filing a personal injury claim against a third party responsible for your injuries. An injured driver or passenger might have a third-party claim in many scenarios.

Contact a Schaumburg Uninsured & Underinsured Motorist Accident Attorney for a Free Consultation at (847) 944-9400

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