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Sustaining an injury or property damage in a vehicle accident often leads to major expenses. Unfortunately, individuals could struggle to recover compensation if the accident was caused by a motorist without enough insurance to cover the damages. At Holley, Rosen & Beard, LLC, we are here to help if you need a Springfield uninsured or underinsured motorist claims attorney. We want to help you explore your options for recovering compensation.
Why Choose Holley, Rosen & Beard, LLC?
- At Holley, Rosen & Beard, LLC, we have been helping car accident victims recover compensation for more than 50 years.
- Our team has a track record of success when it comes to recovering significant settlements and jury verdicts on behalf of injury victims in Illinois.
- We handle vehicle accident claims on a contingency fee basis. This means clients will only pay legal fees after we successfully recover the compensation they need.
The Difference Between an Uninsured and Underinsured Claim
Uninsured motorist claims are made after an individual is injured in an accident caused by an uninsured driver. Statistics available from the Insurance Information Institute show that approximately 12% of drivers in the state of Illinois do not carry insurance. If an individual is harmed due to the actions of an uninsured driver, they can use their uninsured motorist coverage to recover compensation for their medical bills.
Underinsured motorist claims are a bit different. There are times when at-fault parties cause an accident and do have insurance, but not enough insurance to cover all of the victim’s expenses. In this case, the driver would be considered underinsured, and the victim’s underinsured motorist coverage would kick in to pay the difference between what the at-fault driver’s policy covers and the actual costs.
In Illinois, drivers are required to carry uninsured and underinsured motorist bodily injury liability coverage but not uninsured or underinsured property damage coverage.
Securing Compensation After These Incidents
Securing compensation after an uninsured or underinsured motorist claim can be challenging, particularly if your own insurance carrier puts up a fight against having to pay out your rightful compensation. If you have been injured by an uninsured driver or by a driver without enough insurance, you need a team with experience handling complex insurance claims to help you through this. A skilled uninsured or underinsured motorist lawyer in Springfield can conduct a full investigation into the claim and handle all communication with other parties involved.
You deserve full compensation, up to the limits of the insurance policies, from the insurance carriers. In some situations, it may be necessary to file a third-party civil lawsuit against an at-fault driver or another party to recover complete compensation.
Illinois insurance law mandates that every car owner must obtain car insurance coverage at a base limit of $25,000 per person and $50,000 per accident. Despite heavy penalties for driving without adequate insurance, the insurance industry speculates that as high as 20 percent of drivers on our roads carry insufficient coverage or no coverage at all.
If you were involved in a car accident caused by an under- or uninsured driver in central Illinois, we want you to talk with our attorneys at Holley, Rosen & Beard, LLC, in Springfield. We will help you pursue every avenue to find insurance coverage for your property damage, medical treatment and lost earnings, pain and suffering now and in the future.
Filing A Claim Against Your Own Auto Insurance Coverage
Those injured in car accidents and other incidents are often surprised to learn how frustrating it can be to file a claim against their own uninsured and underinsured motorist policy, even after years of paying premiums with the same company. The truth is, your insurance company will do everything possible to keep their settlement as low as possible, as if you are a hostile claimant. The insurance company won’t just write you a check for the amount you are claiming. It is important to hire an experienced lawyer to protect your rights, and help you get the full and fair money damages you are entitled to. Our attorneys have experience standing up and fighting against many of the largest auto insurance companies in America. We understand their strategies for protecting their own interests, even against their best policyholders.
We offer a free case evaluation and handle all car accident litigation matters on a contingency fee basis. You will not pay attorneys’ fees if we can’t help you recover money in a settlement or jury verdict.
Contact a Springfield Uninsured/Underinsured Motorist Lawyer Today
If you or somebody you love has been injured in an accident caused by an uninsured or underinsured driver in the Springfield area, reached out to the team at Holley, Rosen & Beard, LLC today. We have extensive experience handling complex vehicle accident claims throughout Illinois, and we want to help you receive the care you deserve. Let our Springfield uninsured/underinsured motorist claims attorney help you get through this. You can reach us for a free consultation of your claim by filling out our contact form or calling us at (877) 671-5884.