A bizarre el train – car crash happened yesterday involving a Blue Line el train that hit a car which jumped the wall running down the Eisenhower Expressway. There was a three car accident on the expressway, and one the cars hurtled over the top of the wall that divides the el tracks from the expressway. The el train then hit the car. At least nine people, including many CTA passengers, reported injuries.This is the kind of unusual large scale accident which demonstrates the need for having underinsured motorist coverage. This is an accident which produced many injury victims, and it is a reasonable guess that the drivers involved did not carry large amounts of liability insurance. Although the CTA is a common carrier which must exercise the highest degree of safety for el train passengers, I am not inclined to blame the CTA for this accident. The blame lies on the drivers on the expressway, and there is probably not nearly enough liability insurance to go around.When there is not insufficient amounts of liability insurance to cover a large number of people involved in a car accident, they may look to their own policy to make an underinsured motorist claim. See the web article our firm prepared on underinsured motorist claims for additional information.