What You Need To Know About Uninsured Motorists

Uninsured motorist insurance covers you in hit-and-run accidents and also covers you even if you are a pedestrian who is hit by an uninsured vehicle.

In its simplest form, Uninsured Motorist insurance provides that if you are injured because of the negligence of a driver of a vehicle who does not have insurance, your own auto insurance company will pay you the damages that the other driver was legally responsible to pay you, or that the other driver’s insurance would be responsible to pay you if the other driver had auto insurance.

  • You pay a premium to your own insurance company for this Uninsured Motorist Insurance.
  • You pick the amount of coverage you want, but insurance companies will not allow your Uninsured Motorist Insurance to be more than your Liability coverage. (The Liability coverage is what protects you if you are in an accident and some is hurt or their property is damaged, and they claim the accident was your fault. Your Liability insurance has a limit/maximum which you purchase – the higher the limit, the more the insurance costs. But higher limits may cost less than you think…ask your insurance company or agent for a price quote for different limits.)
  • Uninsured Motorist Insurance is mandatory in Illinois on all vehicle insurance policies, and every driver must have a minimum of $20,000 in uninsured motorist coverage. So if you have automobile insurance, you have Uninsured Motorist coverage.
  • Uninsured Motorist INSURANCE covers you in hit-and-run accidents.
  • Uninsured Motorist INSURANCE covers you EVEN if you are a pedestrian hit by a vehicle that is uninsured.
  • Uninsured Motorist Insurance covers you if you are a pedestrian and the vehicle that hit you flees the scene and you never discover the identity of the driver.
  • Uninsured Motorist Insurance covers you if you are hit by a vehicle that is not covered by insurance, regardless of whether you are in a vehicle or not…you could be anywhere….even sitting in a restaurant, for instance.
  • In an uninsured motorist claim, your case is not tied up in the court system, because no lawsuit is filed. You have a claim that is handled through an arbitration process. The arbitration process is less costly, and much quicker.
  • In an uninsured motorist claim, you are entitled to compensation for your medical bills, your earnings lost, your pain, your suffering, your disability and any future damages likely to be experienced.
  • You can also purchase Uninsured Motorist Property Damage Insurance, but you should speak with your insurance agent as to whether this coverage is advisable.

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James A. Payonk, Jr.

~ Attorney at Law ~

10705 W 159th St.
Orland Park, Illinois 60467

(708) 633-6005