Send an Email
Get a Free Case Evaluation Now
Call 800-409-1615
Review Us

What does uninsured and underinsured motorist coverage mean?

Unless you are an insurance expert or a lawyer, uninsured and underinsured motorist coverage is nothing short of confusing. Many residents of Peoria think these insurance terms apply to themselves. For example, say a man was hit by a truck and hears an insurance adjuster talking about uninsured/underinsured motorist coverage. He might think the person speaking is saying that he—the victim—did not have adequate insurance. The truth is just the opposite.

In an uninsured/underinsured motorist accident, the other driver lacks proper insurance coverage. What this means to you is that you will not be able to collect compensation or benefits because the other driver is not covered by an insurance policy. However, you can ensure that your injuries are taken care of by increasing your own auto insurance. This is known as uninsured or underinsured motorist coverage.

For many accident victims the next question is, "What if the other driver has no insurance and I don't have uninsured/underinsured motorist coverage?" While this is unfortunate, you still have options. Your first step should be consulting an Illinois law firm with experience handling uninsured/underinsured motorist accidents.

At this point, you are probably wondering how talking with a lawyer can help. Well, if the at-fault driver has at least some insurance, a lawyer can help you look for loopholes that could increase your compensation. Additionally, an attorney can ensure you receive the maximum compensation possible from your own insurance. Finally, if a third-party shares liability for your injuries (e.g. manufacturer of a defective auto part), a lawyer can also help you pursue compensation in this manner.

Source: NerdWallet, "Uninsured Motorist Coverage Explained," Alex Glenn, accessed March 14, 2017

No Comments

Leave a comment
Comment Information
Get a Free Case Evaluation Now

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Peoria Finding Us Just Got Easier - We're at the corner of Knoxville & Lake in Peoria

4242 North Knoxville Avenue
Peoria, IL 61614

Toll Free: 800-409-1615
Phone: 309-740-9218
Fax: 309-282-2090
Peoria Law Office Map

115 West Jefferson Street
Heritage Plaza Suite 100
Bloomington, IL 61701

Toll Free: 800-409-1615
Phone: 309-740-9218
Phone: 309-828-2322
Fax: 309-282-2090
Bloomington Law Office Map

250 East Main Street, Suite 307 Hill Arcade Building
Galesburg, IL 61401

Toll Free: 800-409-1615
Phone: 309-740-9218
Fax: 309-282-2090
Galesburg Law Office Map


Hours Of Operation

8:30 AM - 4:45 PM Monday - Thursday
8:30 AM - 3:00 PM Friday
By appointment on Saturday