What Underinsured Motorist Coverage Means To You

While the state of Illinois has set forth minimum limits for car insurance coverage, in the face of serious injury or wrongful death in a car accident, these limits may not be enough to cover the damages and loss you have experienced. In the event the other driver does not carry a high enough car insurance coverage limit, you will need to rely on your own underinsured motorist coverage to make up the difference.

The amount you establish for your underinsured motorist coverage on your car insurance policy is the limit up to which you can be compensated when the other driver's insurance limit runs out. The higher your underinsured motorist coverage limit is, the more protection you have against high medical expenses.

For example, you are in an accident with a driver whose bodily injury liability coverage was only the minimum $20,000 limit. You sustain injuries totaling $50,000 worth of medical bills and lost wages. You carry underinsured motorist coverage limits of $50,000. The other driver's insurance would pay the maximum of $20,000 and your own car insurance would pay the excess $30,000.

Underinsured motorist coverage claims can be difficult and there's a lot more to know about underinsured and uninsured motorist coverage. Hiring an experienced Chicago personal injury lawyer can help you navigate the more complicated aspects of car insurance claims. 

An experienced Chicago personal injury lawyer at The Law Offices of Barry G. Doyle, P.C. is available to help you file your car accident claim and help with recovering compensation for your wage loss, medical bills and more, contact us today for a free case evaluation. (312) 263-1080