Thousands of people are involved in car accidents with uninsured motorists yearly in Illinois.
Consulting with an uninsured motorist attorney is crucial if you are in such a situation. Despite being mandatory and relatively affordable in Illinois, approximately 11.8% of drivers remain uninsured.
As a result, the state requires all drivers to carry uninsured motorist coverage. This type of coverage can be invaluable when you’re in an accident with an uninsured driver or someone whose coverage doesn’t adequately cover all associated costs.
Uninsured Motorist Accidents in Peoria
In Illinois, uninsured motorist coverage typically has a minimum limit of $25,000 per person and $50,000 per accident for bodily injury. However, higher limits are available for those who want more protection.
It’s important to note that uninsured motorist coverage generally only applies to bodily injury and doesn’t cover damage to your vehicle or property. If you’re in an accident with an uninsured driver, you may be responsible for covering repair costs.
Specific exclusions may apply to your policy, such as not being covered if you use your vehicle for ride-sharing services like Uber or Lyft. Committing a crime while driving may also invalidate your coverage. Additionally, in hit-and-run accidents, you must report the incident to the police within 24 hours and file a claim with your insurance company within 30 days to avoid claim denial.
Underinsured Motorist Accidents in Peoria
While choosing minimum car insurance coverage may seem cost-effective, it can lead to significant problems if you’re in an accident with an underinsured driver. You could face substantial out-of-pocket expenses if the at-fault driver lacks sufficient coverage for your medical bills and vehicle repairs.
Underinsured motorist coverage can help protect you financially by covering the gap between the at-fault driver’s insurance coverage and the actual costs associated with the accident.
Who Will Pay for Your Injuries if You’re an Uninsured Driver or Car Accident Victim?
Having a Peoria uninsured motorist lawyer by your side can simplify the process, ensuring that you fully understand your insurance policy’s Uninsured Motorist (UM) Coverage and can get the compensation you deserve.
What Vehicle Damage is Compensated Under UM Coverage?
Reviewing your UM coverage details to determine if vehicle damage is included is crucial. If it is, you may receive compensation for repairs after an accident with an uninsured driver. If not, it may be covered under your collision coverage.
Sometimes, neither UM nor collision coverage may apply to vehicle damage, leaving you responsible for repair costs. An experienced Peoria car accident attorney can guide you through your insurance coverage terms.
What Vehicle Damage is Compensated Under UM Coverage?
It is crucial to review your UM coverage details to determine if vehicle damage is included. If it is, you may receive compensation for repairs after an accident with an uninsured driver. If not, it may be covered under your collision coverage.
Sometimes, neither UM nor collision coverage may apply to vehicle damage, leaving you responsible for repair costs. An experienced Peoria car accident attorney can guide you through your insurance coverage terms.
When and How Much Compensation May You Receive?
Compensation for accidents involving uninsured drivers depends on your insurance policy. Some policies cover hit-and-run accidents, but only if your vehicle was damaged or you were injured. Others may require identifying the driver and vehicle for compensation.
If you’re injured while on the job, you may be eligible for workers’ compensation and disability benefits. Your insurance policy may also include medical payments coverage. Sometimes, your UM compensation may be reduced by the amount you receive from these other sources.
How to Find Out If Someone Has Car Insurance
If you’re in a car accident and need to determine if the other driver has insurance:
Ask for their insurance information
Check for an insurance sticker on their windshield
Seek help from the police and obtain a copy of the police report
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Speak With a Peoria Uninsured Motorist Attorney
Being involved in a car accident can be traumatic, and dealing with the aftermath can be overwhelming. Understanding the importance of proper insurance coverage, including uninsured motorist coverage, is crucial to protect yourself in an accident with an uninsured or underinsured driver.
If you’ve been injured in a car accident with an uninsured motorist in Peoria, speaking with an experienced uninsured motorist lawyer is essential. A skilled attorney can help you navigate the complex legal process, negotiate with insurance companies, and ensure you receive fair compensation for your losses.
Don’t face the aftermath of a car accident alone. Contact a Peoria car accident lawyer today to ensure you get the help and compensation you deserve.
Free Consultation with a Peoria Car Accident Lawyer
Don’t talk to an insurance claims adjuster before speaking with Schierer & Ritchie, LLC. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!
Call (309) 250-1871 today to get started with your free consultation.
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