Uninsured Motorist Claims

For all drivers on the road, there is an ever-present risk of being involved in an accident with a driver who is inadequately insured or not insured at all. We at Agruss Law Firm understand how an accident with an uninsured driver can impact and disrupt your life, and if you or a loved one has been a victim in an auto accident, our experienced personal injury attorneys will be there for you every step of the way to ensure that your rights are protected and you are fully compensated for your injuries and losses.

Usually, when one sustains an injury which was another party’s fault, they may legally pursue a claim or lawsuit for the damages. However, problems may arise when the other driver is uninsured or inadequately insured, and this is why having “underinsured motorist” (UM) or “uninsured motorist” (UIM) in your auto insurance coverage can be beneficial.

Under Illinois law, drivers must only have a minimum level of car insurance coverage. This includes: $20,000 for the injury or death of one person in a car accident; $40,000 for the injuries or deaths of two or more people; and $15,000 for property damage. Furthermore, many drivers ignore these basic requirements and drive with little or no coverage. If you’ve been injured in an accident with an uninsured/underinsured driver and the value of your injuries and losses exceeds their coverage, you may be eligible to file a claim against your insurance company according to your policy’s terms and conditions. Unfortunately, many hit-and-run accidents involve drivers who do not have insurance or even significant collectable assets, which is why the assistance of an attorney is essential to ensure that you are fully compensated for your injuries rather than being left with mounting medical bills that aren’t covered by your settlement.

Here are some estimates from the National Safety Council of how much certain injuries can cost an individual over a lifetime, based on medical expenses, vehicle damage, lost wages, and other losses in 2010:

  • Property damage accident with a disabling injury – $8,900
  • Non-fatal injury – $70,200
  • Motor vehicle death – $1,410,000

Remember that you and your insurance carrier have separate interests and that insurers simply aim to increase profits by paying as little as possible for claims or not paying at all. With the help of a personal injury attorney, you can successfully navigate this process even if the other driver was uninsured or underinsured and receive full compensation for the damages.

We at Agruss Law Firm are proud to serve our fellow citizens in personal injury cases, especially when you or a loved one has been injured in an auto accident, and we are fully committed to protecting your rights and ensuring that the other party is held legally accountable when negligence occurs. We will fight until the very end to ensure that you are fully compensated for all injuries and losses resulting from the accident, including medical expenses, property damage, lost wages, and pain and suffering, and you won’t owe us a dime for our services.

If you or a loved one has been injured in an auto accident due to another driver’s negligence, contact Agruss Law Firm, LLC for a free consultation. Helping our clients is about counseling, advocating, and ultimately solving problems. With years of experience successfully representing the people and not the powerful, we will take care of the insurance adjusters, your medical bills, your property damage, and your lost wages, and monitor your treatment so you can focus on healing and getting your life back to normal. We will handle your case quickly and advise you every step of the way, and we will not hesitate to go to trial for you. Lastly, Agruss Law Firm, LLC is not paid attorneys’ fees unless we win your case. Our no-fee promise is that simple. You have nothing to risk when you hire us – only the opportunity to seek justice.