Sometimes, accidents are caused by drivers who have no insurance or have just the bare minimum coverage the law requires. In these cases, if you are the victim of the accident, you might think you have no recourse, but if you have insurance yourself you are then able to make a claim under your own policy for a fair settlement. This is called either an uninsured or underinsured motorist claim (UIM).
Because there are significant steps that must first be taken in UIM claims it is vital that you retain an attorney who is experienced in these types of cases because failure to follow appropriate procedures in UIM claims can bar your case. Marios N. Karayannis has handled many uninsured or underinsured motorist cases and has obtained fair results for his clients. Call 630-463-9010 today!
Just like a car accident case, UIM claimants can obtain damages for medical bills, wage loss, pain, suffering, disability or disfigurement.
If you are concerned making your UIM claim will result in increased premiums, don’t be. You have paid premiums for UIM coverage each time you made a payment to your insurance company so that you had this coverage available to you in case you were involved in an accident that was the other driver's fault where that driver lacked appropriate coverage to pay for the harm he or she caused to you. Your insurer has no basis to increase your rates as the accident was not caused by you.