Uninsured / Underinsured Motorist Claims
29 articles
Stacking, phantom-vehicle claims, bad-faith UM/UIM denials, and arbitration — the under-discussed coverage that often becomes the only path to recovery.
Hit by an Uninsured Driver?
UM/UIM Attorney →What to Do If You’re Hit by an Uninsured Driver in Illinois
Last Updated: April 22, 2026 If an uninsured driver hits you in Illinois, your own uninsured motorist (UM) coverage pays for your…
Their Own Insurance Company Sued Them Instead of Paying Their Claim
When an Illinois insurance company refuses to pay a valid uninsured motorist claim, the policyholder can fight back under 215 ILCS 5/155,…
Insurance Policy Limits in Illinois: How a $25,000 Cap Changes Everything About Your Case
Illinois requires drivers to carry only $25,000 per person in bodily injury liability coverage under 625 ILCS 5/7-317—one of the lowest minimums…
UM/UIM Claims in Wrongful Death Cases in Illinois
**Uninsured/underinsured motorist coverage pays your damages when the at-fault driver lacks sufficient insurance.** Illinois law allows UM/UIM claims in wrongful death cases…
Rideshare Accident UM/UIM Coverage in Illinois: Uber and Lyft Claims
**Rideshare accident UM/UIM claims cover you when the driver lacks adequate liability insurance.** Uber and Lyft provide contingent coverage, but you can…
How UIM Offset Calculations Work in Illinois
**UIM offset calculations reduce your recovery by the amount the at-fault driver’s insurance already paid.** Illinois applies the ‘true offset’ method, meaning…
UM/UIM Claims After Pedestrian and Bicycle Accidents in Illinois
**Pedestrian and bicycle accident victims can claim UM/UIM coverage through their own auto insurance policy.** Illinois law doesn’t require you to carry…
UM/UIM Claims for Motorcycle Accident Victims in Illinois
**Motorcycle accident victims can use their own UM/UIM coverage if the at-fault driver is uninsured or underinsured.** Illinois allows motorcycle riders to…
More Uninsured / Underinsured Motorist Claims
The Complete Guide to Uninsured & Underinsured Motorist Claims in Illinois
**UM/UIM claims in Illinois compensate you when the at-fault driver lacks adequate insurance coverage.** Your own auto insurance policy provides this protection…
When Your Own Insurance Company Fights Your UM/UIM Claim in Illinois
If your own insurance company wrongfully denies or delays your UM/UIM claim, you can pursue a bad faith lawsuit and recover not…
UM/UIM Claims and Medical Payment Coverage in Illinois
UM/UIM (uninsured/underinsured motorist) coverage pays your medical bills and damages when the at-fault driver is uninsured or lacks sufficient coverage; medical payment…
Phantom Vehicle Claims Under Illinois Uninsured Motorist Coverage
A phantom vehicle is an unidentified car involved in causing your accident (hit-and-run or indirect collision); Illinois allows phantom vehicle claims under…
How UM/UIM Coverage Works with Multiple Vehicles in Illinois
If you own multiple vehicles with UM/UIM coverage, you can usually stack the limits to increase available coverage—for example, $100,000 per vehicle…
UM/UIM Coverage for Passengers in Illinois
Passengers can claim UM/UIM coverage from the vehicle they were riding in, and may also have access to coverage from their own…
Bad Faith Denial of UM/UIM Claims in Illinois
Bad faith occurs when an insurance company denies a valid UM/UIM claim without proper investigation or for reasons not supported by the…
UM/UIM Arbitration in Illinois: What to Expect
UM/UIM arbitration is a binding process where a neutral arbitrator decides how much the insurer must pay if you and the company…
Underinsured Motorist Claims After a Truck Accident in Illinois
If a truck hits you and the truck driver is uninsured or underinsured, your UM/UIM coverage pays for your damages up to…
Illinois Minimum Auto Insurance Requirements and Why They Are Not Enough
Illinois minimum auto insurance ($25,000/$50,000/$20,000) is the legal floor but falls far short of covering serious injuries—medical bills alone can exceed these…
UM/UIM Claims for Hit-and-Run Accidents in Illinois
You can file a UM claim for a hit-and-run accident if you report it to police and your insurance company promptly; your…
Stacking UM/UIM Coverage in Illinois: How to Maximize Your Protection
Stacking UM/UIM coverage combines the limits from multiple vehicles you own into a larger pool—for example, two $50,000 policies become $100,000 available.…
How to File an Uninsured Motorist Claim in Illinois: Step-by-Step
Report the accident to your insurance company immediately with details of the uninsured driver; provide all evidence of the accident and the…
Medical Bill Audit Illinois: Why Insurers Fight Your Charges | Parker & Parker
Insurance companies fight medical bills by arguing charges are excessive, duplicative, or unnecessary; a medical bill audit reduces inflated charges, negotiates with…
UM/UIM Arbitration in Illinois: What to Expect
UM/UIM arbitration in Illinois is mandatory arbitration to resolve disputes over uninsured/underinsured motorist coverage amounts when the driver’s liability is clear but…
Hit-and-Run in Peoria: UM Coverage and What to Do
Hit-and-run claims in Peoria are covered by your uninsured motorist (UM) policy if you cannot identify the at-fault driver. Report the accident…
Can I Stack UM/UIM Coverage in Illinois?
You can stack UM/UIM coverage in Illinois if you own multiple vehicles—each vehicle’s policy limit is available for coverage. Some situations allow…
What Is Underinsured Motorist (UIM) Coverage in Illinois and When Can You Use It?
**Uninsured/underinsured motorist (UM/UIM) coverage pays your damages when the at-fault driver lacks sufficient liability insurance.** You can use this coverage from your…
How Medical Bills Are Paid and Reduced in Illinois Uninsured Motorist Claims | Parker & Parker
**Medical bills in UM claims are paid from your UM/UIM policy and your health insurance.** Subrogation may apply, requiring your health insurer…
Uninsured Motorist Accident Illinois: When Both Spouses Are Hurt | Parker & Parker
**When both spouses are injured in an uninsured motorist accident, each can claim UM benefits.** Illinois law allows separate UM claims per…
Why Accident Victims May Be Entitled to More Money Than Insurers Let On
Insurance companies often make initial settlement offers far below actual claim value; accident victims are entitled to compensation beyond what insurers voluntarily…