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4 Types of Insurance Every Illinois Motorist Should Have (Part B)

Uninsured Motorist Coverage

This type of Illinois car insurance is very important to you personally as an accident victim. In the event the driver that caused your car accident was uninsured, this coverage will cover your medical expenses up to the limit you set. This coverage is a very good investment, as it will ensure you have a source of compensation for injuries you sustain in a car accident, regardless if the other driver was insured or not.

Underinsured Motorist Coverage

Many serious injuries sustained in car accidents will easily surpass the Illinois car insurance minimum coverage requirement of $20,000. In the event the other driver's coverage limits were not enough to compensate for your injuries, this coverage will make up the difference. This coverage will again help protect you from the danger of surpassing policy limits while you still have unpaid medical expenses.

How much Illinois car insurance should I carry?

The only way to answer that question is to sit down and look at all your own personal needs. An insurance broker can meet with you to discuss your situation and offer you the most appropriate Illinois car insurance policy limits for you and your family. Some things you should consider when choosing your coverage and limits include:

• The value of the vehicles you are insuring.
• Your driving history and location.
• If you have additional coverage for medical needs (health/life insurance).
• Driving habits (transporting children, in heavy traffic areas, etc).

If you live in a high-risk accident area, have an expensive vehicle, or don't have a lot of other options for affording injury care, you may want to choose more coverage. This will help you avoid having unpaid medical bills resulting from exhausted insurance limits.

Contacting a Chicago Car Accident Lawyer

We can't always rely on the fact that all drivers are carrying the proper amount of Illinois car insurance, or that their coverage will be enough for your medical expenses should you be seriously injured. If you or the other driver's insurance coverage isn't enough compensation to pay for your injuries, you may need to file a personal injury claim with the help of a Chicago car accident lawyer.

The Law Offices of Barry G. Doyle, P.C. have been helping clients like you with recovering unpaid damages from car insurance companies and negligent drivers for more than 15 years. You have nothing to lose from our free case evaluation, contact us today - (312) 263-1080

Free Books

When You Are Injured - The Insider's Guide to Illinois Accident Law

How Much is My Case Worth? Things Accident Victims Need to Know

Protecting Your Family- A Lawyer's Guide to Purchasing Auto Insurance

Free Book on Illinois Wrongful Death Suits

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