Uninsured and Underinsured Motorist

Who Will Pay Your Bills After an Accident

Accidents caused by a negligent driver have serious consequences to your life. People question how they will pay for their medical bills, lost wages, and car repairs. Many times motor vehicle insurance will pay for these expenses following a serious injury. What happens when involved in an accident with an uninsured or underinsured driver?

At Benjamin & Shapiro, we can help if you were involved in an accident with a driver who had no auto insurance or not enough insurance to pay for your damages. We are a team of attorneys with 35 years of experience representing people injured in car accidents.

Under Illinois law, drivers must carry liability insurance when driving a motor vehicle. Unfortunately, too many drivers fail to purchase such insurance or the insurance they have is too little to cover your losses. When you suffer a serious injury in an accident with one of these negligent drivers, your own insurance policy must cover your expenses under your own uninsured or underinsured motorist coverage.

Uninsured motorist claim

When a driver who hit you does not have motor vehicle insurance, you may receive coverage under your uninsured motorist coverage. We will talk to the insurance company for you. This coverage is part of everyone's insurance policy. Most people do not know the steps to file an uninsured motorist claim. We will settle your claim or take it to arbitration for you.

Underinsured motorist claim

When a driver's insurance policy does not cover all of your expenses, your underinsured motorist coverage will pay the un-reimbursed balance of your damages. Many people purchase substandard insurance policies that cover only up to $20,000 of your expenses. Your medical bills can easily surpass this amount.

Benjamin & Shapiro works on a contingency fee basis. We understand your finances are tight. You will not pay attorney's fees until your case is settled successfully.

For information about how to file an underinsured or uninsured motorist claim, contact a lawyer at Benjamin & Shapiro. Our clients come from all over Illinois, including the cities of Chicago, Buffalo Grove, Waukegan, Mundelein, Naperville, Wheaton, Joliet, and Geneva. Call us to set up a free initial consultation.