60 W. Randolph St., Suite 450, Chicago, IL 60601

Search
Livas Law Group
Subscribe to this list via RSS Blog posts tagged in uninsured motorist

Chicago personal injury lawyersUnder Illinois law, anyone registering a vehicle must have adequate insurance. Currently, our state requires that you have at least $25,000 in bodily injury liability insurance, up to a maximum of $50,000 per accident (when two or more people are injured). The state also requires at least $20,000 in property damage insurance. At Livas Law Group, A Division of Kralovec, Jambois & Schwartz, we want to notify the public about the importance of uninsured motorist coverage, which is included in every car insurance policy sold in Illinois.

What UM Covers

Uninsured motorist coverage kicks in if you were struck by someone who lacks insurance. It is fault-based coverage, meaning you cannot use it if you were to blame for the collision. But if someone else is at fault, then UM coverage can pay out benefits up to the policy limit for:

  • Medical care
  • Lost income or lost wages
  • Pain and suffering

About 13 percent of all Illinois motorists lack coverage. This means that if you are hit by such a driver, you will not be able to make a claim with their insurer. UM coverage, however, can step in and provide benefits in this unfortunate event.

...
Back to Top