Illinois drivers must purchase auto insurance to help cover the steep costs incurred after a crash. This includes coverage for property damage or injuries they cause to another motorist or pedestrian.
A full-coverage auto policy will automatically include both uninsured and underinsured insurance coverage. Those sub-limits are necessary because thousands of people do it despite the imposition of stiff fines and other punishments for driving without insurance in our state.
When you have been in a wreck, you may have already suffered because of someone else’s negligence or intentionally wrong acts. You deserve to recover from insurance and the responsible driver as much as possible.
After being in a car accident with an uninsured/underinsured driver in or around Aurora, the Law Offices of R.F. Wittmeyer, Ltd. could help. Call today to speak with a seasoned auto crash attorney about your case.
Uninsured Motorist Coverage (UM)
If an uninsured driver hits you, you can file a claim with your insurance company to cover certain damages resulting from the wreck. The basic uninsured motorist coverage will not pay for damage to your vehicle but will cover medical expenses, lost wages, and certain other damages up to the limits.
Underinsured Motorist Coverage (UIM)
Even if the at-fault driver is carrying to the minimum limits required by Illinois law, medical expenses and property damage can far exceed the minimums if you are involved in a serious car accident.
Uninsured motorist coverage is there to pay the difference between the insurance recovered from the at-fault driver and your expenses. For more information on the process of filing a claim for uninsured or underinsured motorists after a collision, call an Aurora lawyer today.
Statute of Limitations
UM and UIM cases can be complicated because numerous potential sources of recovery are often at play. A person injured in a UM or UIM accident in Aurora generally has two years from the date of the incident to sue. There are some exceptions to the general rule, and the period for filing suit may be “tolled’ under certain circumstances.
However, it is best to let a knowledgeable personal injury attorney manage evidence gathering and negotiations while staying ahead of filing deadlines. A claimant will likely waive the right to recover if a lawsuit is not filed before the statute of limitations expires.
A professional lawyer could help you recover from your own insurance carrier and the limits from the uninsured driver and could investigate to make sure the legally responsible driver does not have other available insurance. For example, if the other motorist was traveling for work, they could be covered by an employer’s policy. A legal professional could also pursue all avenues of recovery against the responsible driver.
Learn More About Uninsured/Underinsured Car Accidents in Aurora Today
Our well-versed and highly skilled lawyers and staff have over 40 years of experience in the personal injury legal field. They have worked with dozens of insurance companies to recover policy limits on our clients’ behalf after they were involved in uninsured/underinsured car accidents in Aurora.
One of our hardworking attorneys could review your case during an initial consultation and begin the process of collecting evidence and documentation. Schedule a meeting with the Law Offices of R.F. Wittmeyer, Ltd. today to get started on pursuing compensation.