We would like to remind you to set back your clocks for daylight savings time. We also would like to remind you to check your car insurance policies to make sure that you are carrying underinsured motorist coverage. Underinsured motorist coverage comes into play when you are involved in an Illinois car accident with a driver who carries insufficient liability insurance to cover the damages that he causes. When that occurs, if you carried underinsured motorist coverage in an amount in excess of the liability limits for the at-fault driver, your insurer would pay you the damages you suffered in excess of the other driver’s policy limits, up to the limits of your underinsured motorist policy limits.For example, assume that you are in an accident with a driver who carries auto liability limits of $20,000 (the state minimum) and you carried underinsured limits of $100,000 and that you suffered damages in the amount of $80,000. In that case you would collect the $20,000 from the at-fault driver, and your insurer would pay the other $60,000 in damages that you suffered as part of your Illinois underinsured motorist claim.We should caution you that pursuing an underinsured motorist claim can be technically challenging, so you should retain the services of an experienced Chicago personal injury lawyer to assist you.We strongly recommend to everyone that they buy as much undersinured motorist coverage as they can comfortably afford. It is cheap coverage and pay significant benefits when there is a serious car accident with someone who does not have the ability to pay the damages they cause. It is good protection for you and your family.