Being in an accident with an uninsured motorist can be a frightening experience. It may seem as if there is no way to recover compensation for your injuries. However, you may carry uninsured motorist insurance as a part of your automobile insurance, and not even realize it.

At Balke & Williams, we have handled numerous uninsured/underinsured motorist claims for clients across McHenry County and can answer your questions. Do not make a statement to your insurance company or any other insurance company without speaking to a lawyer first. This is often the easiest way to hurt your case.

Filing An Uninsured Motorist Claim

Anytime you are in a car accident with someone who cannot be identified or someone who does not have their own automobile insurance, you may have an uninsured motorist claim.

For example, if you are struck by a hit-and-run driver, you are probably covered by your own insurance policy. This is true even if you are not in your car! A pedestrian who is struck by an unknown driver still may have an uninsured motorist claim. To see if you have a claim speak with an experienced attorney immediately.

When Policy Limits Do Not Provide Adequate Coverage

The minimum liability insurance requirements in Illinois are $25,000/$50,000 for bodily injury and $20,000 for property damage. While this is more than some other states require, it is often not enough to cover the costs of a serious accident. This is also a good reason to purchase an underinsured insurance policy to protect yourself and your family.

If you get into an accident with someone who only carried the minimum required policy limits, you may have an underinsured motorist claim against your own insurance company.

Claims involving uninsured and underinsured motorists can be complicated. For an insurance review and guidance on legal action after an auto accident, please call one of our offices — Crystal Lake at 815-585-4080 or Chicago at 312-986-8063. You can also schedule a free initial consultation to discuss your concerns via email.