All states have laws that require motorists to show proof of their financial ability to pay for personal injury and property damage to others in the event of a car, truck, or motorcycle accident. Most drivers satisfy this obligation by purchasing auto accident insurance; others cannot afford insurance or ignore this requirement.
Many motorists choose to purchase the lowest amount of coverage permitted by law. Underinsured and uninsured drivers are typically unable to cover the cost of a serious accident. If you are involved in an auto accident in which the at-fault driver is underinsured or has no insurance at all, you may be able to pursue a claim with your own insurance company. If you have been injured in a serious car accident, the auto accident attorneys at the Chicago, Illinois Law Offices of Parente & Norem can help you attain the monetary compensation to which you are entitled. Accident victims should not be responsible for the negligence or carelessness of another driver. Contact our car accident attorneys to schedule a complimentary consultation.
According to the Insurance Research Council, 14 percent of U.S. motorists are uninsured.
If you have purchased uninsured motorist insurance and you are involved in an accident with an uninsured driver, you can obtain compensation from your insurance company. Uninsured motorist insurance protects you, covered passengers, and covered family members for injuries resulting from an auto accident that is caused by an uninsured driver. Depending on your coverage, you may also be entitled to compensation for damage to your vehicle.
However, if you are involved in a car, truck, and motorcycle accident with an uninsured driver and you do not have uninsured motorist coverage, your options may be limited. Contact our experienced auto accident attorneys. Serving car accident victims in Chicago, Illinois and statewide, we have the knowledge and experience necessary to determine if you have legal recourse and to maximize the return on your claim.
An underinsured motorist is generally a driver who has opted to purchase only the minimum coverage amounts required by law.
Illinois state law requires the following minimum amounts of auto accident liability insurance coverage:
- Injury or death of one person in an accident: $20,000
- Injury or death of more than one person in an accident: $40,000
- Damage to someone elses property: $15,000
However, these minimum amounts may not cover the costs that result from a significant accident.
If an underinsured driver has caused you to suffer injuries and property damage in a car accident, contact the auto accident attorneys at our Chicago, Illinois office to schedule a complimentary consultation and case evaluation. We can help you get fair compensation for your medical expenses, pain and suffering, vehicle repair costs, and other hardships.
Your Legal Options
Auto accident victims of uninsured or underinsured motorists may receive payment from their own insurance company. Our car accident attorneys — serving Chicago and Illinois victims statewide — help drivers get just compensation. If you are an accident victim, the Law Offices of Parente & Norem can help you file a claim to recover your benefits.
If the person who caused the car, truck, or motorcycle accident has insufficient liability insurance, we can make an additional claim against your own insurance company to recover the difference. This is particularly important because the average driver carries more than the minimum limits identified above and you are entitled to claim the difference between the insurance you purchased and the minimum limits of the underinsured driver.
Uninsured and underinsured motorist claims involve a complicated body of case law. To successfully recover the maximum compensation to which you are legally entitled, accident victims require the assistance of a trial lawyer who has extensive experience in negotiating and litigating car accident claims. Contact our auto accident attorneys at the Chicago, Illinois office of Parente & Norem for a complimentary consultation to discuss your case and learn your legal options.
Contact Our Auto Accident Attorneys
Serving car accident victims statewide, the auto accident attorneys at the Chicago, Illinois Law Offices of Parente & Norem handle claims involving uninsured and underinsured motorists. We have the experience necessary to achieve optimal results in these difficult, complex cases.
Our lawyers have obtained substantial verdicts and settlements on behalf of car, truck, and motorcycle accident victims statewide. If an uninsured or underinsured motorist’s reckless or negligent driving has resulted in harm to you or a loved one in an auto accident, contact the car accident attorneys at our Chicago, Illinois office. Schedule a complimentary case consultation and evaluation today.