Uninsured Motorist Claim and insurance Blog

Several years ago, the State of Illinois amended their statutes regarding minimum limits on automobile liability coverage.  The minimum limit was raised from 20/40 to 25/50.  Along with that raise in liability limits, the limits for uninsured motorist coverage was automatically raised to $25,000 per person/ $50,000 per occurrence.  That's important, but it still isn't enough.    

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I recently settled a claim for a client who had been badly hurt when she was struck by a car while riding her bike.  She was thrown to the sidewalk, landing on her shoulder and head, then spent three days in a suburban hospital. Concussion, memory loss, foggy thinking, closed head injury and a shoulder injury.The driver who hit her was on his cell phone and he didn't have any insurance.  What m...

A requirement under most Illinois insurance policies is that the possible subrogation rights of the UIM carrier must be protected, or waived by that carrier, before making a settlement on the underlying case. It is incumbent on you, as the lawyer, that you notify the third party carrier of an offer to settle the third party case and get explicit permission from your client's UIM carrier to sign...