Uninsured motorist (UM) coverage is one of the most critical protections Illinois drivers can have. If you’re involved in an accident caused by a driver who doesn’t have insurance, UM coverage ensures that you’re not left shouldering the financial burden alone. This type of insurance steps in to cover medical…
Car accidents can be overwhelming and potentially life-altering, and the situation becomes even more complicated when the at-fault driver lacks sufficient insurance coverage. In Illinois, motorists are required to carry a minimum amount of liability insurance, but not all drivers comply. According to a study by the Insurance Research Council…
Hit and run accidents are scary. Often, after being struck by a hit and run driver, you are confused and worry about what to do next. Do you attempt to chase down the other driver or do you call the police? What if you were injured as a result of…
Often, our clients ask why they need to notify their insurance company of the motor vehicle accident when they weren’t at fault. They are concerned that notifying their insurance company of the collision will raise their insurance rates and negatively impact them in the future. Even if you weren’t at…
We all know the dangers of drinking and driving. But what about getting behind the wheel the morning after a night of heavy drinking? The average person can break down a single unit of alcohol — a 12-ounce beer, 5 ounces of wine or a 1.5-ounce shot — in about…
Every year, thousands of people across the country are injured in car accidents with semi-trucks. In 2014, famed comedian and actor Tracy Morgan was severely injured, and his friend was killed, when a semi-truck rear-ended the limousine they were passengers in. The truck driver stated that he had been awake…
Last night, a Chicago Transit Authority (CTA) bus struck and killed a pedestrian in the West Chatham neighborhood in Chicago. The pedestrian was walking in the crosswalk in the first block of West 79th Street at around 7:30 p.m., when she was struck by the CTA bus. The pedestrian was…
As the weather starts to warm up, more and more motorcyclists will start hitting the roadways. With the increase of motorcyclists on the roadways, comes an increased danger of those motorcyclists getting into serious, and even life-threatening, accidents. According to the Insurance Information Institute, motorcyclists are more vulnerable on the…
Every day, Illinois drivers are injured in motor vehicle accidents with hit-and-run drivers or drivers who are uninsured or underinsured. In 2012, over 13% of Illinois drivers were uninsured, and the increasing number of uninsured and underinsured drivers nationwide only underscores the importance of having uninsured motorist coverage for the…
Rental car insurance is confusing. Before you rent, it is important to know if your insurance provides coverage for the rented vehicle, and under what circumstances that coverage may be limited. The answers to these questions may depend on the language of your own automobile insurance policy concerning “substitute vehicles.”…