Automobile Liability; Motor vehicle accidents are the most common cause of personal injury.  This may range from minor to serious or permanent injury, or even death.  You may be entitled to recover money damages if the accident is deemed the fault of the other driver or drivers.

Recovery involves investigating the circumstances surrounding the accident, the conduct of all drivers involved, the nature and extent of the injury(ies) suffered, as well as the availability of insurance coverage.  (See FAQs). To evaluate the liability and damages you may have incurred, and to protect your rights for recovery, contact us today at (312) 726 1692 for a free consultation.

Uninsured and Underinsured Insurance Coverage

Recovery under an uninsured/underinsured policy is limited to the amount of coverage you purchased.  Always review your policy at each renewal date or at the time of purchase to determine the terms and the amount of coverage available to you.  Uninsured and underinsured coverage does protect you against a negligent defendant who fails to have liability insurance coverage or has insufficient coverage to fully compensate you for your injuries.  If you are involved in an accident with an uninsured but negligent individual, a claim would be made on your behalf under your own uninsured motorist coverage. Your allowable recovery would be up to the limits of the policy that you purchased.

If you did purchase underinsured coverage, an additional claim can be made under your own policy if your damages exceed the limits of the other party’s insurance liability coverage or their liability coverage is less than your underinsured motorist coverage. An attorney familiar with these issues is important in order to obtain the maximum amount of recovery that may be available to you.