Uninsured Motorist (UIM) Claims

Even though there are mandatory automobile insurance requirements in Illinois, many drivers are uninsured or underinsured for the damages and injuries caused in an accident. Most people think that you cannot recover damages if an uninsured motorist hits you. However, when an accident occurs, you may have a claim for underinsured motorist benefits. The thing to remember is this: always call a lawyer to review your options.

Uninsured motorist (UM) coverage protects you when you are hit by an uninsured driver. Generally, the policy will pay damages to the policyholder for bodily injury caused by the owner or driver of an underinsured motor vehicle. In order to satisfy this requirement, two elements must be met:

1. The other owner or driver must be at fault; and
2. The other driver must be uninsured.

Overall, if you are in an accident and the other driver is legally responsible, and they are uninsured, UM coverage can pay for any injuries or property damage sustained by the accident. You will want to contact a lawyer to discuss your options, as the process of making a claim against your uninsured motorist policy is very complicated.