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Car accidents are one of the most common sources of catastrophic injuries in the United States. Luckily, Illinois law states that all drivers must purchase insurance to cover medical costs in the face of a collision. Typically, each insurance policy contains several provisions under which an injured person can obtain coverage for their injuries:
Bodily Injury Coverage. In Illinois, most drivers have at least $20,000.00 in bodily injury coverage that can be used to cover injuries when a driver causes an accident. Some policies exceed $1,000,000.00. If a driver commits negligence, such as running a stop sign or driving while intoxicated, and hurts another person, bodily injury coverage can be used to reimburse the injured person’s expenses.
Unfortunately, many insurance companies will not provide bodily injury funds to an injured person until after they have completed medical treatment. This can cause significant problems for an injured person, who may be unable to work after their injuries and therefore have no money to pay for doctor’s appointments. The Car Accident Attorneys at Noll Law Office can assist you in opening, prosecuting, and obtaining the settlement funds associated with your bodily injury claim.
Medical Payments Coverage. In Illinois, most drivers cover a small amount of “medical payments” or “medpay” coverage. This coverage is “no-fault,” and can often claimed no matter who caused the collision. If an injured person’s health insurance company has high deductibles, oftentimes opening a medical payments claim is the best option. The funds can be used while a person’s bodily injury coverage remains pending. Our lawyers can work on your behalf to secure medical payments coverage.
Underinsured / Uninsured Motorists Coverage. Sometimes, a driver may cause an accident and have no insurance, or not enough insurance to cover the medical bills of the persons he hurt. In this case, the injured persons may file for underinsured or uninsured coverage from their own vehicular insurance policies. The claims usually are arbitrated by a panel of three arbitrators. Noll Law Office attorneys will aggressively arbitrate these claims on your behalf, creating the legal exhibits, securing witnesses, and other evidence necessary to provide you with coverage.
Our law office is family owned and operated. We care about our clients and will provide you with a free initial consultation and legal opinion. If you have been injured as a result of a negligent driver, please feel free to call at (217) 414-8889. Remember, you never have to pay for attorney’s fees unless we win your case!