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If your own insurance company wrongfully denies or delays your UM/UIM claim, you can pursue a bad faith lawsuit and recover not just the claim amount but also penalties and attorney fees. Document all communications and denials to build your case. Why Your Own Insurer Opposes Your Claim Filing a …

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 coverage covers reasonable medical expenses regardless of fault. Both operate independently of liability coverage. Two Coverages That Work Together Medical payment coverage (MedPay) and uninsured/underinsured motorist coverage (UM/UIM) …

A phantom vehicle is an unidentified car involved in causing your accident (hit-and-run or indirect collision); Illinois allows phantom vehicle claims under UM coverage if you can show the phantom vehicle directly caused the accident and you have corroborating evidence. Contact police and your insurance company immediately. What Is a …

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 becomes $200,000 with two vehicles. Coverage applies to each vehicle separately unless your policy explicitly prohibits stacking. Multiple Vehicles, Multiple Coverage Questions Many Illinois households own two or …

Passengers can claim UM/UIM coverage from the vehicle they were riding in, and may also have access to coverage from their own household vehicles if they live there. The coverage typically matches the bodily injury limits on the policy. Passengers Have UM/UIM Rights Too If you were a passenger in …