In order to register and operate a motor vehicle, Illinois law requires drivers to obtain liability insurance. The minimum amount of insurance required is $25,000.00. That covers property damage and/or injuries that a driver may cause to others in an accident.

But what happens if you are involved in an auto accident and the at-fault driver does not have any insurance? What happens if the at-fault driver’s insurance denies the claim or is unable to pay the claim? What happens if your injuries are more than the amount of the at-fault drivers insurance policy? In situations like these, an injured person does still have a remedy: Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage.

UM coverage is designed to pay for your medical bills and property damage if the at-fault driver does not have any auto insurance. UIM coverage is designed to pay for your medical bills and property damage if the at-fault driver does not have enough auto insurance. UIM coverage fills in the gap between the amount of your medical bills or property damage and the amount of the at-fault driver’s insurance coverage.

UM and UIM coverage are insurance coverages, from your own auto insurance company, that will cover the costs of medical bills or property damage up to the amount of your own UM or UIM coverage. UM and UIM coverage are automatically part of your liability coverage.

There are specific procedures and deadlines to follow in order to make a successful UM or UIM claim with your insurance carrier. If you are involved in a case or think that you may have a case, contact Loizzi Law Offices to talk about your specific matter.