How Will Uninsured Motorist Coverage Protect You?

crashGetting involved in a car accident is a very scary event, especially if you or a loved one was hurt. If the other driver did not have auto insurance coverage at the time of the accident, there may be very serious consequences that could be faced. It is always important for both parties to have auto insurance coverage, as to protect themselves from hefty payments from the accident and related injuries. Uninsured motorist is good to have, as the insured will be protected in the event that the other person does not have auto insurance coverage.

What Will Uninsured Motorist Coverage Provide Compensation For?

Typically, uninsured motorist coverage will provide for medical expenses, funeral expenses, loss of income, and pain and suffering. If a person is injured in a car accident and does not have uninsured motorist coverage, then he or she will typically be responsible for those expenses, as the insurance company will not pay if uninsured motorist coverage is not listed on the policy.

There is a possibility to file under the medical payments coverage section of the auto insurance policy or health insurance, if applicable. Even though some expenses may be covered when filed this way, but compensation for pain and suffering will not typically be covered. Pain and suffering compensation may be covered in the uninsured motorist coverage section.

Uninsured motor property damage coverage will pay for repairs done to the insured’s car if damaged by a motorist who had no auto insurance coverage at the time of the accident. If the insured does not have uninsured motorist property damage coverage, then he or she will have to pay for the repairs on the car, of he or she may be able to file a claim against the at-fault driver.

Call an Orland Park Car Accident Attorney

Having to deal with uninsured motorist coverage can be a nightmare, and it may significantly increase your auto insurance if the other driver did not carry auto insurance coverage. If you or a loved one has been injured in a car accident, you can count on James A. Payonk, Jr., P.C. for effective legal representation. For over 35 years, Attorney James Payonk has represented Cook County area clients on uninsured motorist coverage and car accident matters, and he is ready to discuss your case. For a free initial consultation, please call an Orland Park personal injury lawyer at 708-633-6005 to get the help you deserve.


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James A. Payonk, Jr.

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10705 W 159th St.
Orland Park, Illinois 60467