Uninsured Motorist Claim Blog

Medical insurance isn't so streamlined in America.  The latest statistics reveal that, even after the creation of the Affordable Care Act, there are millions and millions of people without health insurance.  So what will you do for medical care if you've been in a car crash or otherwise hurt where it's someone else's fault?

If you're hurt, regardless of having health insurance or not, you'll be ...

How much insurance do you really need?   Well, the short answer is "the more the better" but it gets expensive, right?   That said,  my strong advice is that you need AT LEAST coverage of 100/300 to be "minimally adequately insured."  So what does 100/300 mean?  It means that maximum payment to you or anyone in your car injured in a car crash is capped at $100,000.   And if someone is badly hur...

It is MOST important that you have enough coverage for your UM and UIM part of your auto policy.  You are protecting yourself, your family and your passengers against the low limits (or no insurance) that far too many people in Illinois drive with.   Call your agent, make sure your limits are 100/300, at least. and rest easier should the unexpected happen.   

Several years ago, the State of Illinois amended their statutes regarding minimum limits on automobile liability coverage.  The minimum limit was raised from 20/40 to 25/50.  Along with that raise in liability limits, the limits for uninsured motorist coverage was automatically raised to $25,000 per person/ $50,000 per occurrence.  That's important, but it still isn't enough.    

When you select...

I recently settled a claim for a client who had been badly hurt when she was struck by a car while riding her bike.  She was thrown to the sidewalk, landing on her shoulder and head, then spent three days in a suburban hospital. Concussion, memory loss, foggy thinking, closed head injury and a shoulder injury.The driver who hit her was on his cell phone and he didn't have any insurance.  What m...