If the accident was not your fault, the obvious answer is the other driver’s insurance company. Getting the other insurance company to pay however, can be a difficult or drawn out task. This is because insurance companies these days are better prepared than ever to get you to settle quickly and quietly. Gone are the days from the 80’s and 90’s when insurance companies would simply fold and pay you a big settlement. This is why finding a good lawyer to negotiate with, and possibly file suit against, the other insurance company is a necessity.
But what happens when the other driver doesn’t have any insurance or doesn’t have enough to cover your bills, wages, or pain and suffering? This is when underinsured or uninsured motorist coverage comes in. In Illinois and Missouri all drivers are required to carry a minimum amount of uninsured motorist coverage. When the at fault driver failed to carry any insurance, we can work with your own insurance company to cover the cost. This is why the law requires you to carry uninsured coverage- that’s what it’s there for.
If the other driver does have insurance, but the amount that they carried was not enough to cover your medical expenses, we can examine your policy to see if you have an underinsured policy. An underinsured policy, while not required by law, is a valuable policy to have in the instance the other driver’s insurance company won’t pay you enough. Underinsured motorist coverage from your insurance company however, is not required in Illinois or Missouri.
Finally, if you were injured, and you need to make payments on some medical bills right away, medpay is usually available in some form throughout almost all 50 states. Medpay is an insurance option that will afford you a smaller amount of medical payments coverage through your own insurance company- even if you were the one at fault in the accident!
So if you were injured in a car accident, and are looking to receive compensation, don’t assume you have to settle for less than what is fair. Call a lawyer who can examine your options and get you the settlement that you deserve.
Have you been injured in a car accident? Get a lawyer that’s licensed in both Illinois and Missouri. Call: 314.499.4040
12013 Illinois Crash Facts & Statistics, See http://www.idot.illinois.gov/Assets/uploads/files/Transportation-System/Resources/Safety/Crash-Reports/crash-facts/2013%20CF.pdf