What Is Uninsured Motorist Coverage?

Aftermath of rear end accident

In Illinois, the driver who is at fault for a car accident is responsible for paying for any injury and property damage costs that stem from the crash. Since it is up to each driver to choose the amount of his or her own liability insurance, crash victims may not be fairly compensated if they are struck by a driver carrying the minimum amount of coverage. This is where uninsured motorist coverage can be extremely beneficial.

Car Accidents That May Be Covered by Uninsured Motorist Insurance

Uninsured motorist coverage (UM) is a form of insurance that gives drivers more control over the amount they can collect after an accident. UM coverage is purchased under your own policy, allowing you to easily make a claim after an accident by dealing with your own insurance provider.

Uninsured motorist coverage will protect you if you are struck:

  • By an uninsured driver. Although all drivers are required to carry car insurance in Illinois, many people drive without coverage, leaving victims with no way to pay for their injuries. UM insurance allows you to collect coverage for your medical bills and income losses up to the amount of your policy.
  • By an underinsured driver. If the driver who struck you was only carrying the minimum required insurance and your injuries exceed those limits, your UM coverage may be used to make up the difference.
  • By a rental vehicle. UM coverage can be used if an at-fault driver was driving a rental car or moving van, but declined to purchase additional rental coverage.
  • While walking or bicycling. Many UM policies can be used to collect payment for injuries sustained by victims who were not inside their vehicles during the accident. If a victim is struck while biking or walking, UM coverage can be applied to cover the cost of their considerable injuries.
  • In a hit-and-run. It may be impossible to determine the insurance limits of another driver if the at-fault party fled the scene. In these cases, UM coverage victims who have been struck by a passing vehicle.

Want to know more about your legal rights after an accident in Illinois? Download your FREE copy of our book, When the Rules of the Road Get Broken: A Guide to Illinois Car Wreck Cases, or contact The Tapella & Eberspacher Law Firm via our online contact form to schedule an appointment.