About Uninsured & Underinsured Motorist Accidents
Illinois law requires that all drivers maintain minimum insurance policy limits. Unfortunately, some drivers are still either uninsured or do not have enough insurance to cover the damages caused by their negligence. If this happens, there can be devastating consequences, and you could be the one who suffers the most. The last thing that you want is to be burdened by paying out of pocket for your own medical bills and time off work after you are in an accident caused by someone else’s negligence.Thankfully, there are options when this type of situation arises.
The uninsured / underinsured (“UM / UIM”) motorist lawyers at the Chicago Law Firm of John M. Molloy Law Group, are available to guide you through these options. We are highly experienced at handling UM / UIM cases.Even if the other driver is uninsured or underinsured, you still may be able to file a claim with your own insurance company. That means that your insurance company may be obligated to pay some or all of the costs for damages and injuries you have sustained. But this option is only available if you’ve purchased underinsured or uninsured motorist coverage - which is commonly referred to as UM / UIM coverage.While Illinois law requires that all insurance companies offer this coverage, you aren’t obligated to buy it. Even if it is purchased, insurance carriers work hard to find reasons to deny these claims. Insurance carriers don’t like paying on claims, and you will likely have to fight hard to get the money you deserve. That’s why it’s important to have an experienced lawyer look over your policy carefully and determine if you are covered.
At the Chicago Law firm of John M. Molloy Law Group, will make sure that your insurance company lives up to its promises. We know how the UM / UIM process works, and know how to fight for you when a claim is denied. We will prosecute your case in an aggressive and effective manner. For decades, our experienced lawyers have helped accident victims recover the damages they deserve after an accident with an uninsured or underinsured driver. It may also be possible to locate other liable parties to pay for your care and treatment. While it may seem at first glance from the police report that the other driver is uninsured, it is possible they were in the course of their employment or acting as an agent for someone else. If so, you may be able to sue the company that the other driver was working for.
It is important that you hire knowledgeable and aggressive attorneys like the lawyers at the Chicago Law firm of John M. Molloy Law Group, to fully explore this option in the case of a serious accident.We have the experience to conduct thorough car accident investigations and analysis and preserve key evidence. We will obtain your medical records to establish your injuries and future health issues. We also work with experts who are qualified to discuss your injuries and lost wages.
John M. Molloy Law Group is set up to represent victims of serious auto crashes involving uninsured / underinsured motorists across all of the state of Illinois. We understand the physical, emotional and financial difficulties caused by car accidents. Our goal is to help you rebuild your life. We are committed to making sure you receive the best legal representation possible.If you’ve been injured in a car crash and the other driver is not sufficiently covered by insurance, turn to the Chicago law firm with a record of success and a team of skilled lawyers who knows how to get results