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Uninsured Motorist Bodily Injury Coverage (UM)

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

 

Despite driving precautions, motor vehicle accidents continuously happen everyday. According to the Illinois Department of Transportation (IDOT), in 2018, the state had 319,146 motor vehicle crashes. Of which, 21.1% or 67,453 were injury crashes.

Under the Illinois Insurance Code, apart from securing liability coverage which serves as a primary auto insurance, drivers must also have an Uninsured Motorist (UM) Bodily Injury Coverage. This type of insurance is another required auto insurance coverage that is strictly for vehicular accident injuries caused by a hit-and-run driver or an at-fault driver with no liability coverage.

Based on the Illinois State Law, Uninsured Motorist Bodily Injury Coverage is at least $25,000 for one person or $50,000 per accident. It is recommended to get a higher UM claim in case of claims exceeding the minimum required limit. If you are in the process of choosing your insurance carrier, here are Helpful Tips When Shopping For Insurance.

We see you as a person, not just a client – and that makes us better at what we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Mike Agruss Law, we put people first.
A lot of personal injury lawyers raise their contingency fee throughout the process, charging 1/3 if the case is settled pre-suit, charging 40% if the case is filed after a lawsuit is filed, and charging 50% if the case goes to trial. We don’t. At Mike Agruss Law, our personal injury contingency fee is always 1/3 and that’s not changing. We will handle your property damage claim FOR FREE.  We will never change our contingency fee throughout the process.  You will not owe us a penny unless you get money.  Our unique formula has earned us over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 145 five-star reviews on Google. Call 888-572-0176, e-mail us at [email protected] or schedule a meeting with us here. We’re here 24/7.

 

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