If you have been involved in a car accident and the at fault driver did not have valid insurance, you still have a case.  You have an uninsured motorist claim against your own insurance policy.  Your insurance company will "step into the shoes" of the driver that caused the motor vehicle collision and pay on your claim.

Personal injury lawyers from our firm can set up the uninsured motorist claim, send a demand package to your insurance carrier, and attempt to negotiate a settlement on your behalf.  If a settlement cannot be reached, your case would most likely resolve in arbitration under the terms of your policy.

Proceeding with an uninsured motorist claim is often very beneficial to our clients.  In reality, it is easier to settle an uninsured motorist claim against your own insurance policy than against an adverse insurance carrier, and the settlement will usually be for a higher value.

If you have been involved in a car accident and the other driver had minimal insurance coverage ($20,000 per person / $40,000 per occurrence is the minimum coverage in Illinois), you may have an underinsured motorist claim.  If the defendant's insurance policy is not enough to cover the value of your claim, and you have a larger policy with your own insurance carrier, your insurance company will pay the value of your claim that exceeds the value of the defendant's smaller policy.

If you are a pedestrian or a bike rider that has been hit by an uninsured driver, you still have a case.  Your uninsured motorist coverage will still work for you.  Also, if you do not have an auto insurance policy, our firm will look to recover from a household family member's insurance policy, if one is available.

If you believe that you have an uninsured or underinsured motorist claim, please contact a lawyer directly at 312-399-8988 for a free consultation.