Chicago, IL Uninsured Driver Accident Injury Lawyer

Attorney for Car Accidents With Underinsured Drivers in Cook County, Englewood, and Austin

Those who are involved in car accidents will often need to deal with a variety of different expenses, such as paying for emergency medical treatment or other necessary medical care and repairing the damage to their vehicle. Most of the time, victims can make an insurance claim and receive coverage under the auto insurance policy of the driver who was primarily at fault for the collision. However, if a driver does not have insurance, or if the expenses resulting from the crash exceed the limits on the at-fault driver's policy, a victim may be unsure about their options. In these cases, a skilled personal injury lawyer can help identify other sources of compensation and ensure that victims receive payments that address their injuries and damages.

The attorneys of Karchmar & Lambert, P.C. provide dedicated, knowledgeable legal help in multiple different types of injury cases. With more than 50 years of combined experience, we can help you understand how the law applies to your particular situation, and we can help you determine the best strategies for success. We will advocate on your behalf when negotiating settlements with insurance companies or pursuing a personal injury lawsuit against a negligent driver or other parties who were responsible for a car crash. With our help, you can receive compensation that fully addresses your injuries and damages.

Uninsured/Underinsured Motorist Coverage

If a driver who was at fault for a car crash did not have auto insurance coverage, other people involved in the collision will typically be able to receive coverage under their own liability insurance policy. A policy may include uninsured motorist (UM) coverage to address situations where the at-fault driver had no auto insurance or underinsured motorist (UIM) coverage for cases where a liability insurance policy will not fully cover a victim's damages.

In Illinois, liability insurance policies are required to include uninsured motorist coverage. At minimum, a policy must cover up to $25,000 for a single person's injuries or wrongful death and $50,000 for injuries affecting multiple people, as well as up to $20,000 in property damage. Policyholders can also choose to purchase additional UM/UIM coverage to ensure that they will have the financial resources they need in these situations.

Even if you are covered by an insurance policy, you may struggle to receive compensation for your injuries. Insurance companies will often do everything they can to minimize the value of a claim, and they may offer a settlement that seems reasonable but does not fully address your expenses. Before speaking to an insurance company, filing a claim, or accepting a settlement, we recommend that you contact us to learn about your rights and options. We will make sure you understand the full extent of the damages you have suffered, and we will speak to and negotiate with insurance companies on your behalf to ensure that you receive the maximum amount of coverage you are eligible to receive.

Pursuing Compensation From Other Liable Parties

In addition to insurance coverage, car crash victims may have other options for receiving compensation for their injuries. In some cases, it may be possible to pursue a third-party personal injury lawsuit against another person, company, or organization that was responsible for a collision. For example, a local or state government organization may be liable for a crash that took place because the proper warning signs were not used in a construction zone, or an auto parts manufacturer may be liable for a collision that was caused by a car's faulty brakes. Victims of drunk driving accidents should also be aware that they may be able to pursue compensation from a bar or restaurant that provided alcohol that caused a driver to become intoxicated.

Contact Our South Shore Uninsured Motorist Accident Attorneys

If you have been injured in a collision with an uninsured driver, Karchmar & Lambert, P.C. can address your needs and help you understand your options for receiving compensation. To learn more about how we can provide the legal help you need, contact us at 312-977-1300 and schedule a complimentary consultation. We serve clients in and around Chicago and Cook County, including but not limited to the neighborhoods of Garfield Park, Austin, Pullman, Englewood, Kenwood, Bronzeville, Chatham, Ashburn, Gresham, and South Shore.