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Galesburg Uninsured/Underinsured Motorist Attorney

Preparing You for a Better Future

Getting into a car accident can be an overwhelming and stressful experience, and though some may scramble to figure out how to proceed, most American drivers know the first order of business is to pull over and exchange information with the other drivers involved, including insurance information. While you may have proper auto insurance, the other driver may not. Before you panic, it’s important to know that you have options. Our Galesburg uninsured/underinsured (UM/UIM) motorist attorney can work with you to file for UM/UIM coverage so you can be compensated. You shouldn’t have to suffer for the at-fault party’s mistakes. Rehn Law LLC is by your side through each step of your case to ensure you have everything you need to heal.

Call (309) 228-2008 or contact us online today to speak with a dedicated team member regarding your car accident and resulting injuries. We have solutions for each problem.

attorney and client looking at damaged carWhat is UM/UIM Coverage?

An uninsured or underinsured motorist is anyone who drives a vehicle without the required minimum liability insurance, or carries no coverage at all. According to the Insurance Research Council, as of 2017, about one in eight drivers are uninsured. Fortunately, if you’re hit by a driver who lacks insurance, uninsured motorist coverage could help you pay your medical bills and for any property damage. When you purchase coverage under your insurance in Illinois, you also purchase UM/UIM coverage.

A claim must be filed against your own auto insurance policy or the policy of a household or family member for you to recover damages.

Uninsured motorist coverage can protect drivers and their passengers in several situations that can arise, including:

  • If you’re a passenger in a car that is hit by a driver who lacks sufficient insurance
  • If you’re riding a bicycle and are hit by a driver who lacks insurance
  • When you’ve been involved in a hit-and-run accident
  • If you’re a pedestrian who has been hit by a driver lacking insurance

What Does an Uninsured Motorist Policy Cover?

Though Illinois has mandatory auto insurance requirements, it’s not a state that requires drivers to specifically have UM/UIM coverage. To know if your uninsured policy includes both uninsured and underinsured coverage, you should contact your provider. Some companies require drivers to purchase each type of coverage separately.

Uninsured motorist policies typically cover:

  • Uninsured motorist bodily injury coverage: This coverage can pay for medical bills if you’re injured by a driver who doesn’t have liability insurance. This may also protect any passengers or family members who were driving your car.
  • Uninsured motorist property damage coverage: This helps to cover the cost of repairs your car needs but isn’t available in all states.
  • Underinsured motorist coverage: This type of coverage works in the same way as uninsured motorist bodily injury coverage, but also applies to situations when the at-fault driver has insufficient insurance coverage.

What If I Already Have Collision Coverage?

If your state requires uninsured motorist coverage, you need to get it even if you already have collision coverage. However, if uninsured motorist coverage is optional, you may not need it if you have collision insurance. Collision insurance serves to help drivers to repair or replace their car if it’s damaged in a collision, no matter who’s at fault.

Collision insurance doesn’t cover bodily injury, though, which is why drivers should still consider uninsured motorist coverage in case of injury.

How Our Team Can Help

Our uninsured/underinsured motorist attorney knows Illinois laws and has assisted drivers who have been injured by drivers who lack sufficient coverage. We offer free consultations so we can meet with you and learn about your situation, as well as your specific insurance policy. We can help you through the claims process so you can recover damages you may have accrued, including medical bills like hospital stays, X-rays, surgeries, and prescription medications, and property damage to your car that needs to be repaired or replaced.

Get started on your claim by calling our Galesburg uninsured/underinsured motorist attorney for a free consultation at (309) 228-2008.

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