What happens when your injuries from a McHenry County car crash exceed the policy limits of the at fault drivers insurance?

If you or a family member is involved in an auto accident and the driver who caused the crash does not have adequate insurance to cover the damages, that driver is considered an underinsured motorist. An underinsured motorist claim could be filed with your own insurance company to ensure that you are fully compensated for the injuries you sustained.

The Illinois Mandatory Insurance Law requires all registered cars, vans, trucks or motorcycles have a minimum of $20,000 in liability insurance coverage.

However, if you are in an automobile accident and you sustain damages totaling more than $20,000, and the at-fault driver only carries the minimum requirement of $20,000, he does not have enough insurance coverage to cover the amount of damages he caused you, you should make an underinsured motorist claim against your own insurance company.

There are technical requirements you must meet in order to file an underinsured motorist claim with your own insurance company and a failure to comply with those requirements, which could result in a total loss of your underinsured motorist benefit, we strongly recommend that you retain the legal services of an experienced Illinois Personal Injury Attorney in pursuing your underinsured motorist claim to protect your rights.

If you are a pedestrian who was hit by an underinsured motorist in Algonquin, Barrington Hills or elsewhere in McHenry County, or if you are a passenger in someone else’s vehicle and your injuries and damages exceed the defendant driver’s liabilities coverage, you can make an underinsured motorist claim against your own insurance company.

If you, a family member or friend were injured in a car crash in which the at fault driver does not have adequate insurance coverage to pay for your injuries, please contact Franks, Kelly, Matuszewich, and Andrle Attorneys at Law to ensure you receive the benefits you deserve. Call (847) 854-7700. We’re here to help you maximize your benefits.