Why Clients Trust Walner Law for Uninsured/Underinsured Accident Cases
At Walner Law, our attorneys have extensive experience managing uninsured and underinsured motorist coverage cases. We understand how these accidents impact your health, finances, and future. We want to help you through this frustrating experience.
Dedicated
Our team is committed to providing compassionate and attentive service. We take the time to understand your concerns, explain your legal rights, and answer your questions.
Proven success
Walner Law has a track record of recovering damages for accident victims, covering medical expenses, lost wages, property damage, and other costs caused by negligent drivers. Whether it’s holding an uninsured driver accountable or tackling liability insurance limits, we relentlessly pursue maximum compensation for every client.
Always available
Legal concerns can arise anytime, and we’re here for you. At Walner Law, our team is available 24/7 to answer your questions, provide guidance, or offer reassurance when needed.
No fees unless we win
Financial constraints should never stand in the way of justice. That’s why Walner Law operates on a contingency fee basis. You won’t pay anything unless we successfully recover compensation for you.
Committed to justice
Our mission is to help victims of traffic crashes caused by uninsured or underinsured drivers.
We hold negligent drivers accountable while protecting your rights and future. From bodily injury claims to property damage caused by an at-fault driver, we’re determined to secure the compensation you deserve.
If you’re involved in an accident with an uninsured or underinsured driver, contact Walner Law today for a free consultation. Put our skilled legal team to work for you and move toward recovery with confidence.
Your Uninsured/Underinsured Coverage
Many Illinois drivers carry the minimum amount of automobile insurance allowable by law, which is $20,000 for the physical injury of one person or $40,000 for accidents involving injury to more than one person brought on by a negligent driver.
Uninsured motorist coverage protects drivers from financial losses if they are involved in an accident with a driver who lacks insurance.
If you were involved in a serious car accident, motorcycle accident, or truck accident and your injuries were serious, $20,000 would not be enough to cover your medical bills and other expenses.
If so, you can use your uninsured/underinsured motorist coverage to collect the remaining money. This can be used for medical expenses, property damage, loss of income, or other expenses brought on by this car accident.
Illinois state law requires all auto insurance carriers to offer uninsured/underinsured motorist coverage. However, it does not require drivers to purchase that insurance coverage.
You may be looking for your car insurance policy and wondering whether you purchased uninsured/underinsured motorist coverage. The chances are that you have it. Many drivers have this insurance coverage and have been paying for it for years under a more comprehensive auto policy.
Our law firm ensures you’re not caught between payment due dates and works with your insurance company. The Illinois State Police investigate uninsured and underinsured accidents. We use their detailed crash reports to support your claim and ensure accurate incident documentation.
Concerns may arise regarding your safety, your passenger’s safety, and the other drivers involved. Additionally, there may be concerns about the damage to your car and the potential for injury. An uninsured or underinsured accident can be challenging, but our law firm can help make it easier.
A Claim Against Your Insurance
If the at-fault driver does not have enough insurance to compensate you for your serious injuries, you can make a car accident claim against your insurance company for damages, but it cannot exceed the amount of money your uninsured/underinsured motorist’s policy covers.
For instance, if the other driver’s insurance covered $20,000 and your injuries totaled $60,000, you could file for the additional $40,000 from your insurance policy, provided your policy goes up to that amount.
Challenges with Collecting
Insurance companies can create additional headaches for accident victims when rectifying an auto insurance claim. They may hold off on the maximum compensation under a policy to avoid full costs for property damage and medical treatment.
If your insurance company does agree to pay you, it will attempt to pay as little as possible, even for valid insurance claims. It may seem like fair compensation for a common injury, but it’s often not the case.
When you need to seek compensation from your insurance company, they are no longer on your side.
Our experienced team of uninsured car accident attorneys has decades of experience dealing with insurers who don’t want to cover the cost of damages caused by a car crash.
We outline the legal options that will pressure your insurer and/or the insurer of an at-fault party to provide greater financial compensation.
Insurance adjusters will try to get you to sign on for a settlement, thinking the first offer is the final offer. That’s not the case, and our attorneys are ready to work to get you paid.
We will work with you to get all the documentation needed, from a crash report on the accident scene to medical records demonstrating severe injuries from this automobile accident.
This will help build a stronger case for maximum compensation.
Compensation for Uninsured and Underinsured Accidents in Chicago
Being involved in an accident with an uninsured or underinsured driver in Chicago can leave victims with overwhelming financial and emotional burdens. Fortunately, there are avenues for compensation that can help cover the costs of these unexpected losses.
What Types of Damages Can You Recover?
Victims of uninsured and underinsured accidents may be entitled to compensation for a wide range of damages, including but not limited to:
- Medical expenses: Coverage for hospital bills, rehabilitation, ongoing treatment, and any other healthcare costs related to injuries caused by the accident.
- Lost wages: Compensation for income lost due to time off work as a result of injuries. This could include future earnings if the injuries lead to long-term or permanent disability.
- Property damage: Reimbursement for the repair or replacement of your vehicle and other personal property damaged in the accident.
- Bodily injury: Damages for physical pain, disability, or disfigurement caused by the accident.
- Pain and suffering: Compensation for the emotional and psychological toll, such as anxiety, depression, or trauma, resulting from the crash.
The Challenges of Securing Fair Compensation
Recovering fair compensation is not always straightforward. Insurance companies, even your own, may try to minimize payouts or deny claims. Victims may face additional hurdles when dealing with an at-fault driver with little or no liability insurance.
Handling these claims requires careful attention to crash reports, witness statements, and an in-depth understanding of insurance policy coverage limits.
Free Consultations with a Chicago Uninsured/Underinsured Accident Attorney
If you are involved in an auto accident with an underinsured or uninsured motorist in Chicago, a personal injury attorney in Chicago can help you get the money you deserve. We offer free consultations and work on a contingency basis. That means we don’t get paid unless you get a fair settlement.
Contact us today.
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