Let's say you are in a car accident. Further, the at-fault driver has minimum or no auto insurance. In this case, there could be too little or no insurance coverage from the at-fault driver to cover the claim.
If you have been wise enough to purchase auto insurance of your own, it should include Uninsured Motorist and Underinsured Motorist Coverage. Here, your lawyer can pursue a uninsured motorist claim or an underinsured motorist claim against your own auto policy. These are often referred to as UM and UIM claims.
With this type of claim, your own auto insurance company will step into the shoes of the uninsured or underinsured driver and pay on the claim. And, as many people can attest, recovering from your own insurer can sometimes be as difficult as recovering from another party’s insurer.
On the other hand, UM and UIM claims often settle quickly. Further, you can sometimes collect more money while spending less on costs.
This is where the Chicago car accident attorneys at Abels & Annes can help. If you suffer an injury in a car accident as the result of a negligent driver, our attorneys are ready to handle all of your concerns. This includes evaluating and investigating issues such as:
Who is at fault
The amount of insurance coverage available to pay on the claim
Calculating your out-of-pocket expenses, like medical care and lost income
Determining your non-economic costs and long-term needs
Our car accident lawyers handle UM and UIM claims on a regular basis.  They are very common.