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Chicago personal injury attorney insurance claimA personal injury can turn your life upside down. In addition to the difficulties that come with your recovery, your injury is likely to have a major financial impact, including the cost of medical treatment and the loss of income while you are unable to work. If you are planning to file an insurance claim, you may expect to work with an insurance company to ensure that your injuries are covered. However, before doing so, it is important to consult with an attorney who can ensure that you are fully compensated for your damages.

How Can an Attorney Help With My Case?

When you are struggling in the aftermath of an injury, you may feel like you have to accept an offer made by an insurance company so that you can address your immediate financial concerns. However, an insurance company’s goal is to pay you as little as possible, and even if a settlement offer appears fair to you, it is likely that it will not fully cover your costs or meet your ongoing needs.

In reality, you should be wary of speaking to an insurance company at all before consulting with an attorney, because they may ask you to provide recorded statements, and any information you provide may lead them to reduce the amount of your claim or even deny your claim altogether. A lawyer can negotiate with the insurance company on your behalf to ensure that you receive the compensation you need.

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Lake County car accident attorney uninsured driverBeing involved in a car accident can be a traumatic experience, regardless of whether the collision is minor or major. Even if a car crash does not result in serious injuries, it is likely to cause damage to your vehicle, and you may experience injuries that are not immediately evident which only begin to affect you in the days or weeks after the accident. In most cases, your injuries and the damage to your vehicle will be covered by the insurance policy of the driver who was at fault. But what happens when you are involved in a collision with a driver who has no insurance?

Uninsured Motorist Coverage

All drivers are required by law to have insurance coverage on their vehicles. At minimum, a vehicle must be covered by liability insurance, which will pay for damages a driver causes to other vehicles, drivers, or passengers in a car accident. However, some drivers do not maintain their required insurance coverage. Many people who are involved in an accident with an uninsured driver may believe that they have no way to recover compensation for their injuries or vehicular damages.

In some cases, an injured driver may be able to pursue a personal injury lawsuit against the at-fault driver. However, a driver who does not have insurance will likely not be able to pay damages, and even if compensation is awarded, they may be able to declare bankruptcy in order to avoid paying damages.

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