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Few things are more stressful than being involved in a car accident. The damage to your vehicle, injuries to yourself and your passengers, and the ongoing anxiety of getting back behind the wheel are very real possibilities in the aftermath of an accident. Once the initial impact has passed and the details are being assessed by the first responders, the issue of who caused the accident must be determined. If it turns out the other driver was at fault and does not have insurance, where does that leave you? How will you recover from your injuries and damage to your car?
Many people do not know what rights they have until it is too late. Seek the professional help of a personal injury attorney who can advise you of your rights and work diligently to see that you are compensated for your injuries and losses.
Car Insurance Companies Avoiding Payouts
The Insurance Research Council estimates that one driver out of every eight drivers in the United States is currently uninsured. That equates to about 30 million uninsured drivers nationwide. To know that you might be sharing the road with so many such drivers and that accidents are so prevalent, this statistic is worrisome.
In several states, insurance companies are now requiring drivers to have “uninsured motorist coverage” as part of their own policy. This is to help with the costs of being in an accident with an at-fault uninsured driver.
What Does Illinois Require?
Under Illinois law, liability insurance policies automatically include uninsured motorist coverage at the legal minimum requirements for bodily injury or death. These coverages pertain to medical costs to treat your injuries, pain and suffering, and lost wages. In addition, property damage insurance can also be purchased which would help cover the costs to repair damage to your own car and any other property damage.
In the event that you are involved in an accident with an uninsured driver, there is a chance your own insurance company might try to avoid paying you a suitable amount for your injuries. It is important that you receive compensation. Still, that amount, if insufficient, can be challenged. This is where legal counsel is advisable.
Experienced Legal Help
Communicating with large corporations can be complex and overwhelming, and insurance companies are no exception. If you are involved in a serious car accident and you were not at fault, you are entitled to receive compensation from your insurer and we can help. Contact an experienced Hinsdale personal injury attorney today to get the guidance you need. Call 630-920-8855 for a free consultation.