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What does it mean to have $500,000 in uninsured motorist coverage?

 

A: If you have $500,000 in uninsured motorist coverage in Illinois, this means that you can collect up to $500,000 in damages if you are in an accident caused by an uninsured driver.

The way this works is that, when an uninsured driver causes an accident, your insurance company will then stand in as that driver's insurance provider. So if you have $500,000 in uninsured motorist coverage per accident, you can recover up to that amount for: 

• Damages to your vehicle;
• Medical expenses;
• Any pain and suffering that was caused; and
• Past, present, and future wages that have or will be lost. 

This $500,000 coverage will also apply to any passengers who were in your car. However, in this case, $500,000 is the limit for the total damages in the accident.

If the medical expenses for you and your passengers exceed $500,000, you will not recover any money beyond that amount. You may, however, obtain coverage for more than $500,000, but that is a decision that you will make when you take out your insurance policy.

If you have questions regarding uninsured motorist coverage after an accident in Chicago, you can get the professional advice of a Chicago car accident lawyer.

Hiring a Chicago Car Accident Lawyer

You should be able to recover from your injuries without worrying about court documents and filing paperwork. While you adjust to life after your injuries, you can take comfort in knowing you don't have to handle an injury alone.

When you have the help of a trusted Chicago car accident lawyer from the Law Offices of Barry G. Doyle, P.C. you'll get expert legal advice and guidance concerning your long-term needs. Contact us today for a free case evaluation - 312-263-1080

The Law Offices of
Barry G. Doyle, P.C.
5215 Old Orchard Road
Suite 710
Skokie, IL 60077
Phone: 312.263.1080
Fax: 312.263.0153

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