Perhaps the one thing that tends to give people some peace of mind after an auto accident is the expectation that insurance will pay for the costs of the crash. Car insurance is an integral part of driving for every driver operating legally in Illinois. It is required by law for a reason – accidents happen, and they can be quite costly when they do.
Unfortunately, there are still people who choose to keep driving without adequate insurance, or worse, with no insurance at all. After you have experienced an auto accident, the last thing you want to find out is that the driver responsible is among the many that do not have insurance. You may be left wondering how you will pay your medical bills, or afford to replace your vehicle. You may worry about being left to deal with the fallout of missing work and not getting paid while your bills pile up. The good news is that even if a driver who hit you was uninsured or underinsured, there are still ways an attorney may be able to help you recover the costs associated with an accident.
Rathbun, Cservenyak & Kozol LLC is skilled in helping people who have been injured by an uninsured or underinsured driver recover the compensation they need. We understand the stress and challenges that come with suffering in a collision caused by a driver who chooses to ignore Illinois’ insurance requirements. In many cases, people find the coverage they need from their own insurance policies. However, insurance companies are often reluctant to pay out what a claim is worth to their own policyholders. This is where we come in.
The most common source of compensation in uninsured and underinsured cases is the injured person’s own insurance policy. Illinois requires car insurance companies to offer their customers uninsured motorist coverage that can cover the costs of an accident if the at-fault driver’s insurance policy cannot.
Uninsured motorist coverage can cover many of the same expenses and financial losses that are traditionally covered by the at-fault driver’s insurance, such as:
