Have you been involved in a car crash in the Chicago area that was not your fault? In most cases like this, you can rely on the person at-fault’s insurance agency to pay for your repairs and possibly settle on compensation for other losses if you were injured.
However, if the person at fault is underinsured, you may not be able to get the money you need to make repairs, pay bills, and move on with your life. That’s why you need underinsured motorist coverage.
Here is more information on what underinsured motorist coverage is, why you need it, and when to reach out to a personal injury attorney after an accident. If you’d like to learn more about lawyers in your area, read here: Underinsured Motorist Attorneys Serving Chicago.
What is Underinsured Motorist Coverage?
Underinsured motorist coverage is a policy offered that will cover your injury or damages if you are involved in a crash with a motorist who has insurance but does not have high enough limits to cover all of your damages. This type of coverage is usually offered alongside uninsured motorist coverage, which protects you if you are in an accident with a person who has no insurance, and is offered for both bodily injury and property damage.
Why is It Important to Have Underinsured Motorist Coverage?
If you are involved in an accident and are hurt or your car is damaged and the at-fault party is underinsured, you won’t be able to get the compensation you need from their insurance agency to make repairs and pay your medical bills. You will then have to pay out-of-pocket or attempt to have your own insurance pay for the difference, which could cause your rates to increase.
When Should You Hire a Personal Injury Attorney?
It’s always a good idea to call a personal injury attorney after any car crash that involves injuries. However, it’s imperative in instances where the at-fault driver is underinsured or in the following circumstances:
- You have serious injuries.
- There is a dispute over who was at fault for the accident.
- The insurance company–yours or the other driver’s–is being difficult to work with.
There is no harm in calling a personal injury attorney no matter what the situation is after a car crash. You can schedule a free consultation and tell the attorney all about the accident including if the other driver is uninsured or underinsured, if you’ve attempted to contact your own insurance agency, and the injuries you’ve sustained. The attorney will then give you advice on whether or not you should move forward with hiring them. Decided you want to hire an attorney and want more information? Read here: Underinsured Motorist Attorneys Serving Chicago.
Read Here: Underinsured Motorist Attorneys Serving Chicago
If you’ve been in a car crash with an underinsured motorist, it’s crucial that you reach out to an attorney who specializes in these cases to ensure you get the compensation you need to make repairs, pay bills, and move on with your life. For more information, read here: Underinsured Motorist Attorneys Serving Chicago.
