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Bad faith occurs when an insurance company denies a valid UM/UIM claim without proper investigation or for reasons not supported by the policy; you can sue for bad faith and recover the claim amount plus penalties and attorney fees. Document all denials and communications. Your Insurer Has a Duty of …

UM/UIM arbitration is a binding process where a neutral arbitrator decides how much the insurer must pay if you and the company disagree; arbitration is typically faster and less formal than trial, though you lose the right to appeal the arbitrator’s decision. Why UM/UIM Claims Go to Arbitration When you …

If a truck hits you and the truck driver is uninsured or underinsured, your UM/UIM coverage pays for your damages up to your policy limits. Commercial trucks carry higher limits, but underinsured motorist coverage still protects you if their limits fall short of your injury damages. Why Truck Accidents Often …

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 limits in days. Adding UM/UIM coverage and increasing liability limits protects you if you cause an accident and can’t pay the damages. What Illinois Requires Illinois law requires …

You can file a UM claim for a hit-and-run accident if you report it to police and your insurance company promptly; your uninsured motorist coverage pays damages as if the fleeing driver had hit you. You must have UM coverage and corroborating evidence of the hit-and-run. Hit-and-Run Accidents and Uninsured …