CHICAGO UNINSURED MOTORIST INSURANCE LAWYERS

WHAT IS UNINSURED MOTORIST COVERAGE?

Generally speaking, uninsured motorist coverage must be sold as part of every automobile policy sold in Illinois (unless you specifically decline it, in writing). Your uninsured motorist coverage is designed to compensate you for a loss which you sustain, and which is caused by a driver who is uninsured (or under-insured).

WHEN DOES AN UNINSURED MOTORIST POLICY APPLY?

Your uninsured motorist vehicle coverage applies whenever anyone who is a "member of your household" (defined below) is injured by a driver who is uninsured or underinsured (does not have enough insurance to pay for the damages caused).

If you believe you (or a member of your household) have an uninsured motorist claim, contact the uninsured motorist lawyers of the Chicago law firm, Mannis & Associates, Ltd. for a free consultation.  Let them put over 24 years of experience with car accidents to work for you. 
WHO IS COVERED BY MY UNINSURED MOTORIST POLICY?

Generally speaking, an uninsured motorist policy covers you (the policy holder) and all members of your family who live in your home with you, and typically also includes any minor children of yours who do not reside with you or your children who are away at college.

Your uninsured motorist coverage also extends to you and members of your household if you were a driver or passenger in a vehicle that does not belong to you. Your automobile uninsured motorist policy applies even if you or a member of your household were a pedestrian, bicyclist or bystander, as long as the driver who caused your injuries was uninsured. 

Moreover, your uninsured motorist coverage may apply for the benefit of other passengers in your car or other people driving your car with your permission, and who are injured by an uninsured or underinsured driver. You (and the members of your household) would be covered if you were a victim of a hit-and-run  and did not know who the driver was (or they did not have insurance).  Finally, this coverage may also apply if your child (who is a member of your household) was a passenger in a friend's car that was in a crash and was injured, and their friend and/or the other driver does not have insurance.

WHAT LOSSES ARE COVERED?

Uninsured motorist coverage is intended to compensate you for your injuries and other losses that you sustained as a result of the negligence of an uninsured driver. Your injuries include all of your financial losses, including any medical expenses that you reasonably required as a result of the accident, any loss of income or earnings (from time off from you job), any diminution in your ability to earn money in the future, or some of your other out-of-pocket expenses such as household and related help (like babysitting). Other losses which may be compensated may include a loss of ability to enjoy or engage in certain activities as a result of your injuries, pain and suffering. While there is no specific formula or way of determining an appropriate amount for these types of injuries, a good car accident lawyer will help you get compensated for these injuries by demonstrating the severity of your injury, whether it fully heals, what kinds of treatment are necessary and how much time is required in order to achieve full recovery.

When you have been injured by an uninsured driver, you need a law firm with experience. Let the skilled Illinois uninsured motorist attorneys at Mannis & Associates, Ltd.  put over 24 years of experience with car accidents to work for you. Contact us at (888) 646-9632 today for a free consultation to discuss your uninsured motorist accident claim.

ILLINOIS AUTO ACCIDENT ATTORNEYS