All insurance is great until you need it. It's only after an accident that you'll find out if your company (or the other guy's company) is really as good as they claimed to be. You can't control who the insurance company is for the person who hit you, but you can control both the company and types of coverage you have.
Don't use a fly by night agency or rinky-dink company for your insurance. You'll pay for it in the end. Issues like delayed claims, bad or inadequate coverage, not being able to get through to claims handler, and consistently getting the runaround are common with cheaper companies.
Stick with a bigger, more established car insurance company. I've handled cases against nearly every insurance company out there and none of them put out a tablecloth for a picnic. However, bigger insurance companies respond to their claims with assigned adjusters and usually returned phone calls. With that being said, it's also important to know the fine print. Allstate, for example, has a new cost-saving strategy that greatly increases the chance of you needing to take your case to court. With this new strategy, medical bills are often deemed too high and they won't pay them. They'll also forgo paying ambulance and ER bills, in my experience.
Insist on Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage in an amount of at least $100,000 per person. It's crucial and it's not much more expensive than the minimum limit coverage of only $25,000 per person. Simply put, that minimum coverage just isn't enough.
Consider getting Medical Payments Coverage. This coverage provides money to pay medical bills for you and your passengers and covers you if you're injured as a passenger in someone else's car. $5000 is standard on many big company policies, $10,000 or $25,000 is better. And for not much more money.
Your auto insurance covers the following people:
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.
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.
If you're in the Chicago area and need a personal injury attorney, look no further than Mannis Injury Law. Your worries will be put to ease by our experience, care, and one-on-one attention. Refuse to suffer alone or in silence. Consultations are absolutely free, so you have nothing to lose. Get in touch with attorney Michael D. Mannis today.