What if the other driver who caused my car accident doesn’t have insurance?
Stephen D. Phillips: His firm files a claim against your own insurance company for uninsured and underinsured motorist coverage, which is why he urges you to carry significant limits for both liability and uninsured and underinsured coverage.
Attorney Stephen D. Phillips · Car Accidents · 45-second answer
Transcript
Automatically transcribed from the video’s audio and lightly edited.
What we do is we will file a claim against your own insurance company for uninsured and under-insured motorists. Always make sure that you have significant limits of insurance for both liability, if you injure someone else, as well as for uninsured and under-insured motorists, so we can collect for you under your own policy. A lot of people don’t realize that you can collect under your own policy, but you have to take out the coverage.
Note: In Illinois, uninsured and underinsured motorist coverage is included in your auto policy unless you rejected it in writing (215 ILCS 5/143a and 5/143a-2), so the thing to check is your limits and whether you ever signed a rejection.
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