Your auto insurance covers the following people:
- your family members
- passengers in your car
- college students who live away from home
Regardless if you're in a car, on a bike, or if you're hit as a pedestrian — you could be covered. If any injury accident occurs, please call us to see if the coverage you may not consider applies to the injuries and accident. You might be shockingly surprised. No charge, free consultation.
Uninsured and Underinsured Motorist Claims in Illinois
If you've been injured by a driver operating a vehicle without insurance and you've been injured, your damages are still covered. Your claim will be with your own insurance company under the UM/UIM coverage that is automatically part of your liability coverage. It's required by state law and if you carry liability insurance, you're covered. This coverage includes medical bills, pain and suffering, time missed from work, and more.
Will my own rates go up if I make an uninsured motorist claim?
No, your rates will not go up because it's an accident that was not your fault.
Uninsured motorist claims apply when you've been hit by a driver without any insurance coverage. It also applies to hit-and-run claims. You are covered, up the to the dollar limit of your own UM coverage. Take a minute to call your insurance agent and find out how much UM coverage you have. If you are a UM or a hit-and-run victim, you absolutely need to know that you're protected adequately. The minimum coverage in Illinois of $25,000 per person just isn't enough. Medical bills are crazy high these days and minimum limits coverage of $25,000 isn't even close to enough coverage. UM/UIM coverage with limits of $100,000 per person or more is ideal.
Underinsured claims are similar to Uninsured claims, except that the UIM coverage provides extra insurance to you if you are hit by someone without enough insurance to cover your damages — but there's a catch in Illinois. Your UIM coverage only covers the gap between the at-fault driver's coverage and your own UIM limit. For example, if you're hurt by a driver who carries a $25,000 policy and you have a $100,000 limit on your UIM coverage, you would be covered for $25,000 from the at-fault driver plus up to $75,000 under your own UIM coverage. Your UIM coverage starts where the at-fault driver's coverage ends, up to the limit of your policy.