Uninsured Motorist Coverage – McHenry County, Illinois

Intro: When you are involved in an accident with an uninsured driver, it can be difficult to know exactly what steps to take to receive the compensation you deserve. Below are some of the most common questions asked by clients just like you who have been in accidents with uninsured motorists.

What Does Uninsured Motorist (UM) Coverage Protect Against For Drivers In McHenry County, Illinois?

Uninsured motorist coverage protects you in the event that you are injured by a driver who has no liability insurance. Uninsured motorist coverage can account for medical expenses, lost wages, and pain and suffering caused by the accident, in accordance with your policy limits.

How Do I File A Successful Uninsured Motorist Claim After A Car Accident In McHenry County?

The first step is to promptly notify your insurance company. Be sure to provide documentation such as police reports, medical bills, and witness statements. Working with an attorney can help ensure your claim is thoroughly prepared and negotiated.

What Are My Legal Options If I’m Hit By An Uninsured Driver And Don’t Carry UM Coverage In Illinois?

If you do not carry UM coverage, you may need to file a personal injury lawsuit directly against the at-fault driver. However, if the driver lacks assets, your recovery may be limited. An attorney can help to evaluate all of your options, including third-party liability.

Can I Recover Medical Costs Through UM Coverage Even If I Have Health Insurance In McHenry County?

Yes, uninsured motorist coverage can supplement your health insurance. UMC may cover your deductibles, co-pays, and other out-of-pocket costs that your health policy may not fully pay.

How Does Uninsured Motorist Coverage Affect Compensation For Pain And Suffering In Illinois?

UM coverage can provide compensation for non-economic damages like pain and suffering, within the limits of your policy. An attorney will be able to help assess a fair value and advocate on your behalf.

Call to Action (CTA):

If you’ve been injured or harmed in an accident with an uninsured motorist, you may still have options for recovery. The attorneys at Balke & Williams Injury Lawyers are standing by to help you build your case and guide you through the nuances of uninsured motorist coverage.

To schedule a free consultation, call us today at (312) 210-7170.