Can I Collect Compensation From My Insurer After an Accident?

car accidentIn the case of most collisions, you would pursue compensation for property damage and injuries from the insurer of the negligent party; but in situations where the negligent driver is uninsured or underinsured, a passenger in your car may pursue compensation from your own insurer — assuming you have uninsured motorist coverage — even though you were not at fault. While they theoretically could pursue compensation from the negligent driver with the help of your Chicago personal injury lawyer, the fact of the matter is that many drivers who are uninsured or underinsured have insufficient tangible assets to collect from.

Why Do I Have to Collect Damages From For My Injuries From My Insurer, Even Though Someone Else Was at Fault?

In this situation, you would use your underinsured or uninsured motorist coverage. Carrying this coverage as part of your insurance policy is not legally required. While the exact terms will vary between insurance companies, uninsured or underinsured motorist coverage allows you to seek compensation from your insurance company if you are in a collision with an uninsured driver.

Consulting an attorney is especially important in light of the fact that your insurer doesn’t necessarily have your best interests in mind. Insurance companies benefit from paying out as little as possible to claimants, or from denying claims altogether. Your personal injury lawyer can help by gathering evidence, examining your insurance policy, and dealing with the insurance company on your behalf.

Speak with a Chicago Personal Injury Lawyer at Rubens and Kress

The Chicago personal injury lawyers at Rubens and Kress have compiled an impressive record of success in cases across the state of Illinois, and they charge no fee unless you collect. If you have suffered an injury, you can schedule a free consultation by contacting Rubens and Kress online, at 312-201-9640, or toll-free at 866-890-9640.