Uninsured Motorist Claim and insurance Blog

The sirens could be heard from blocks away, and then about ten fire trucks, ambulances and a hook and ladder truck came down my street and stopped, the firemen jumping out of their trucks, grabbing tanks, hoses and axes, and headed inside to the loft building across the street.   Quite a commotion, that luckily was either very minor, or a total false alarm.  Ten minutes later they started re-em...

My client called me a couple months ago with the bad news.  She had been rear ended by an uninsured driver.  I told her that somewhere around 20% of all drivers on the road in Illinois are driving without insurance.  Shocking.   So my client, after being taken by ambulance to the ER, xrayed and examined there, including an CT Scan because she had hit her head, then treatment and physical therap...

It is MOST important that you have enough coverage for your UM and UIM part of your auto policy.  You are protecting yourself, your family and your passengers against the low limits (or no insurance) that far too many people in Illinois drive with.   Call your agent, make sure your limits are 100/300, at least. and rest easier should the unexpected happen.   

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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