Home > Blog > UM/UIM Claims and Medical Payment Coverage in Illinois Two Coverages That Work Together Medical payment coverage (MedPay) and uninsured/underinsured motorist coverage (UM/UIM) are both first-party coverages on your auto insurance policy, meaning they both pay benefits to you regardless of who caused the accident. While they …

Home > Blog > Phantom Vehicle Claims Under Illinois Uninsured Motorist Coverage What Is a Phantom Vehicle Claim? A phantom vehicle is an unidentified vehicle that causes an accident without making physical contact with the victim’s car. The most common scenario involves a driver who swerves into your lane, forces …

Home > Blog > How UM/UIM Coverage Works with Multiple Vehicles in Illinois Multiple Vehicles, Multiple Coverage Questions Many Illinois households own two or more vehicles, all listed on the same auto insurance policy. Each vehicle typically has its own UM/UIM coverage listed on the declarations page, and you pay …

Home > Blog > UM/UIM Coverage for Passengers in Illinois Passengers Have UM/UIM Rights Too If you were a passenger in a vehicle that was struck by an uninsured or underinsured driver, you may have access to UM/UIM benefits even though you were not the policyholder or the driver. Illinois …

Home > Blog > Bad Faith Denial of UM/UIM Claims in Illinois Your Insurer Has a Duty of Good Faith When you file a UM or UIM claim, you are asking your own insurance company to pay benefits you purchased. Unlike a third-party liability claim, your insurer owes you a …