When purchasing automobile insurance in Illinois, motorists automatically get uninsured motorist coverage. Further, most insurance carriers give the option of purchasing underinsured coverage.
It is always a good idea to carry both uninsured and underinsured coverage. You never know when you will be in an accident and whether the other driver will have enough coverage.
Utilizing this type of insurance can ensure that you will have protection in the event that you suffer injuries. This, regardless of the defendant's insurance situation. It will also prevent you from receiving less compensation than you deserve.
Many Chicago area drivers carry only the minimum amount of insurance required by the state. Legislators recently increased the minimum requirements. However, the amount is still very low. $25,000 does not provide adequate compensation for victims with serious injuries.
Settling with another driver’s insurance without speaking to a personal injury lawyer is a bad idea. It may mean that you receive less than you deserve.  Further, it may prevent you from making an underinsured motorist claim later.