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**UIM offset calculations reduce your recovery by the amount the at-fault driver’s insurance already paid.** Illinois applies the ‘true offset’ method, meaning you only recover the difference if your damages exceed their limits. Medical payments and property damage are factored into the calculation. Home » Blog » How UIM Offset …

**Pedestrian and bicycle accident victims can claim UM/UIM coverage through their own auto insurance policy.** Illinois law doesn’t require you to carry personal liability insurance as a pedestrian. Your UM/UIM policy covers hit-and-run accidents and underinsured driver collisions. Home » Blog » UM/UIM Claims After Pedestrian and Bicycle Accidents UM/UIM …

**Motorcycle accident victims can use their own UM/UIM coverage if the at-fault driver is uninsured or underinsured.** Illinois allows motorcycle riders to stack coverage from multiple vehicles if applicable. Recovery includes medical bills, lost wages, and pain and suffering. Home » Blog » UM/UIM Claims for Motorcycle Accident Victims UM/UIM …

**Comparative fault rules apply in drunk driving cases—you can recover even if partially at fault, reduced by your percentage.** Drunk driving constitutes negligence per se, making liability easier to prove. Punitive damages are available against intoxicated drivers who caused serious injury. Home » Blog » Comparative Fault in Drunk Driving …

**Repeat DUI offenders face enhanced liability in civil cases and may be ordered to pay punitive damages.** Prior DUI convictions show willful and reckless conduct that strengthens your claim. Illinois law allows recovery of your attorney fees in cases involving repeat offenders. Home » Blog » Repeat DUI Offenders: Stronger …