Blog

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. Check your policy language, as some policies allow stacking and some do not; you can typically add stacking coverage for an additional premium. What Is Stacking UM/UIM Coverage? …

Report the accident to your insurance company immediately with details of the uninsured driver; provide all evidence of the accident and the other driver’s lack of insurance; then file a formal UM claim and provide any requested documentation. Most claims are resolved within 30-60 days if straightforward. When an uninsured …

A drunk driver’s liability insurance still pays for damages they cause, but a DUI conviction can also support punitive damages claims in Illinois—you may recover not just compensatory damages but additional punishment money. The drunk driver remains liable regardless of criminal consequences. One of the most common questions after a …

Social hosts (people who serve alcohol at their home) can be held liable in Illinois if a guest becomes intoxicated, leaves, and causes a drunk driving accident—though this liability is narrow and the bar’s liability (dram shop) is typically higher. Proof of the social host’s negligence is required. When a …

Passengers injured by a drunk driver can sue the driver directly for damages and may also file claims against the bar (dram shop liability) or social host if they illegally served the driver alcohol. Your recovery is not affected by being a passenger. If you were a passenger in a …