Uninsured / Underinsured Motorist Claims
28 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 →Uber and Lyft Crash in Illinois: Which Insurance Pays, and How Much?
After a crash with an Uber or Lyft car in Illinois, which insurance pays depends on what the driver’s app was doing.…
What to Do If You’re Hit by an Uninsured Driver in Illinois
If an uninsured driver hits you in Illinois, your own uninsured motorist (UM) coverage pays for your injuries, not the at-fault driver.…
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
By Robert Parker, Attorney, Parker & Parker. Last Updated October 6, 2026. Illinois minimum bodily-injury liability: $25,000 per person under 625 ILCS…
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
After an Uber or Lyft crash in Illinois, uninsured and underinsured motorist coverage can come from two places: the $50,000 that 625…
How UIM Offset Calculations Work in Illinois
Underinsured-motorist coverage applies when the sum of the bodily-injury liability limits applicable to the driver, the legally responsible person, and the vehicle…
UM/UIM Claims After Pedestrian and Bicycle Accidents in Illinois
Injured pedestrians and bicyclists can claim UM/UIM coverage through their own auto insurance policy. Illinois law doesn’t require you to carry personal…
More Uninsured / Underinsured Motorist Claims
UM/UIM Claims for Injured Motorcycle Riders in Illinois
Injured motorcycle riders can use their own UM/UIM coverage if the at-fault driver is uninsured or underinsured. 215 ILCS 5/143a(1) provides that…
Uninsured Motorist Claims in Illinois: 7 Things to Know (2026)
If you were hit by an uninsured or underinsured driver in Illinois, your own auto policy may pay you through uninsured motorist…
When Your Own Insurance Company Fights Your UM/UIM Claim in Illinois
A dispute with your own insurer over an uninsured or underinsured claim is often handled under the policy’s arbitration term. 215 ILCS…
UM/UIM Claims and Medical Payment Coverage in Illinois
When an auto policy includes optional medical payments coverage, it may pay reasonable medical expenses from a crash regardless of fault, up…
Phantom Vehicle Claims Under Illinois Uninsured Motorist Coverage
A phantom vehicle is an unidentified vehicle that causes a crash. Whether uninsured coverage pays when that vehicle did not touch yours…
How UM/UIM Coverage Works with Multiple Vehicles in Illinois
215 ILCS 5/143a(1) sets a default rule against aggregating similar bodily-injury limits from more than one vehicle for one crash. Section 143a(3)…
UM/UIM Coverage for Passengers in Illinois
A passenger can claim UM/UIM only when a policy defines that passenger as an insured, which is separate from whether limits can…
Bad Faith Denial of UM/UIM Claims in Illinois
In an action on a policy where the company’s liability or the amount of the loss is in issue, or for an…
UM/UIM Arbitration in Illinois: What to Expect
215 ILCS 5/143a(1) requires the policy to send a dispute about uninsured or hit-and-run coverage, and about the amount of damages, to…
Underinsured Motorist Claims After a Truck Accident in Illinois
A truck is underinsured under 215 ILCS 5/143a-2(4) when the sum of the applicable bodily-injury liability limits is less than the underinsured…
Illinois Minimum Auto Insurance Requirements and Why They Are Not Enough
625 ILCS 5/7-203 sets minimum liability amounts of $25,000 for bodily injury or death of one person, $50,000 for two or more…
Stacking UM/UIM Coverage in Illinois (2026)
215 ILCS 5/143a(1) says the limit for one vehicle may not be aggregated with a similar limit on another vehicle to set…
How to File an Uninsured Motorist Claim in Illinois (2026)
If an uninsured driver hit you in Illinois, you usually file a UM claim with your own auto insurer. Illinois requires uninsured…
Medical Bill Audit Illinois: Why Insurers Fight Your Charges
After an Illinois injury, carriers often review medical bills for necessity and reasonableness when evaluating a claim. That carrier review is separate…
Can I Stack UM/UIM Coverage in Illinois?
215 ILCS 5/143a(1) says the limits for any coverage for any vehicle under the policy may not be aggregated with similar coverage,…
Illinois Underinsured Motorist Claims (2026)
Underinsured motorist (UIM) coverage is first-party insurance that may pay when the at-fault driver’s liability limits are too low for your injuries.…
How Medical Bills Are Paid and Reduced in Illinois Uninsured Motorist Claims
In an Illinois uninsured-motorist claim, medical costs may be addressed through available health insurance, optional medical-payments coverage if purchased, and provider billing…
Uninsured Motorist Accident Illinois: When Both Spouses Are Hurt
When both spouses are injured in an uninsured motorist accident, each spouse who is an insured person legally entitled to recover damages…
Umbrella Insurance After an Illinois Car Accident: Finding Additional Coverage
Umbrella insurance is extra liability coverage that sits above a basic auto policy. An insurer that covers damages arising out of a…