An auto accident caused by a negligent motorist can leave you hurt, confused, and angry – all of which may be exacerbated when the negligent motorist is uninsured or underinsured. Do not despair, however. You are not without recourse if you were injured by a negligent motorist who lacked adequate auto insurance.
At Cogan & Power, P.C., our Chicago auto accident attorneys are dedicated to getting clients full and fair financial recovery following an auto accident, including those auto accidents in which the negligent motorist is uninsured or underinsured. Because we focus on auto accident cases, as well as other personal injury cases, we can “talk the talk” with insurance companies to get you the compensation that you deserve.
Although Illinois law requires that all motorists carry a minimum amount of auto insurance liability coverage, not all motorists obey this law. Effective January 1, 2015, all Illinois auto insurance policies must include minimum liability coverage of $25,000 for injury or death of one person (currently $20,000), and $50,000 for injury or death of two people (currently $40,000). Minimum liability coverage for property damage will increase from $15,000 to $20,000.
In some cases, even if a motorist has insurance coverage, it is insufficient to cover the injuries and damages caused by an auto accident. An auto accident with an uninsured or underinsured motorist does not mean that you are without legal recourse, however. You can still obtain financial recovery through your own insurance company. Most insurance policies contain an uninsured/underinsured motorist provision, whereby your insurance company assumes the role of the negligent motorist and pays your auto accident claim.
You can also file a personal injury lawsuit against the negligent motorist or against the vehicle manufacturer if the accident was caused by an auto defect.
Uninsured/underinsured motorist provisions can be confusing, which makes it incredibly helpful to consult with a skilled auto insurance attorney like the Chicago uninsured motorist lawyers at Cogan & Power.
Insurance companies often take a formulaic approach to claim valuation, without considering the specific facts and circumstances of the auto accident. At Cogan & Power, our Chicago auto accident lawyers know how to communicate efficiently and effectively with insurance companies in order to obtain full and fair recovery for our clients. We can “talk the talk” with insurance companies and are willing to take a case to trial in order to get you the compensation you deserve.
Contact the dedicated Chicago uninsured motorist attorneys at Cogan & Power at (312) 477-2500 for a free consultation to discuss your legal rights following an auto accident with an uninsured/underinsured motorist. If you cannot come to our offices in downtown Chicago, we will come to you. And because we take cases on a contingency basis, you will not pay any fee unless we get you compensation.