What If I Am in a Car Accident With an Underinsured or Uninsured Driver?

car accidentThe moments following a car accident might be chaotic as drivers and passengers immediately assess possible injuries or damage to their respective vehicles. After the drivers’ information is exchanged and an accident report is completed, there are often questions related to what happens when one of the drivers involved in the accident is underinsured or uninsured. While you should hire an Illinois auto accident attorney as soon as possible, here are some things to consider going forward.

What if the Driver is Underinsured?

A driver who does not carry the minimum automobile insurance coverage required by law is considered an underinsured driver. In certain circumstances when the accident involves several claimants or when the injuries sustained in the accident are severe, the insurance coverage may not be sufficient to fully compensate each victim. In this case, an injured party may be able to make a claim under any applicable underinsured motorist policy.

What If the Driver is Uninsured?

State law requires that drivers carry automobile insurance, but some drivers still do not have insurance for their vehicles. If an uninsured driver’s negligence results in injuries to another individual, then that individual may be able to make a claim under applicable any uninsured motorist policies.

Contact Rubens and Kress to Discuss Your Options

If you have been involved in an automobile accident with an underinsured or uninsured driver, you can contact the knowledgeable legal team at Rubens and Kress to help answer your questions about recovering damages for your injuries. Concentrating in personal injury and auto accident cases and boasting a track record of success, the team at Rubens and Kress stands by their ability to get you the compensation you deserve by charging no fee unless you collect. To further explore your legal options, contact Rubens and Kress online, at (312) 201-9640, or toll-free at (866) 890-9640.