Arlington Heights Uninsured Driver Accident Attorneys

Uninsured and Underinsured Motorist Coverage

Fortunately, a car accident victim can file a claim under their own car insurance policy, which will typically include both uninsured motorist (UM) and underinsured motorist (UIM) coverage. Illinois law requires auto insurance policies to include UM coverage, which will address the losses a person has suffered in a situation where the at-fault driver had no insurance. UIM coverage is also typically included to protect policyholders in cases where an at-fault driver has inadequate insurance.

UM and UIM coverage can help pay for medical expenses, lost wages, and other out-of-pocket expenses. A victim may also be able to recover compensation for the pain and suffering they have experienced. Our attorneys can assist with UM or UIM claims, and we will work to ensure that insurance companies comply with their obligations. We will fight against any attempts by insurers to undervalue or deny legitimate claims.

Identifying Other Liable Parties

In some cases, it may be possible to obtain compensation from third parties whose negligence contributed to a car accident. These third-party claims may include:

• Employer Liability: If the uninsured driver was operating a vehicle for work purposes, their employer may be held responsible under the legal principle of vicarious liability.
• Vehicle Owner Liability: If the driver was using a borrowed car, the vehicle's owner may bear responsibility for entrusting their car to an unsafe driver.
• Bars or Restaurants: Under the Illinois Dram Shop Act (235 ILCS 5/6-21), an establishment that served alcohol to a visibly intoxicated driver who then caused a drunk driving accident may be held liable for the injuries suffered by victims.
• Government Entities: If unsafe road conditions or a missing sign contributed to the accident, a municipality or state agency may bear some responsibility.

Our experienced attorney can thoroughly investigate the circumstances of the crash to determine whether any of these parties may be held liable or whether other avenues for recovery may be available.

Legal Challenges in Uninsured Motorist Cases

A variety of complex legal and procedural issues may need to be addressed in cases involving accidents with uninsured or underinsured drivers. These may include:

• Proving Liability: It is crucial to establish that an uninsured driver was at fault for a car accident. This can ensure that the proper coverage will be provided.
• Disputes Over Policy Limits: Insurance companies may contest the amount of coverage available, or they may argue that certain injuries or damages are not covered by a policy.
• Deadlines for Filing Claims: UM and UIM claims are subject to strict time limits. Our lawyers will make sure claims are filed correctly, and we will fight for the timely payment of compensation.