Personal Injury

Will Your Auto Insurance Protect You After An Auto Accident?

By law, every Illinois motorist is required to carry a specific amount of automobile insurance coverage. Despite that fact there are many accidents each day where the liable party for the collision does not carry coverage and the only protection an injured party has is their own uninsured motorist coverage and the personal injury attorney responsible for protecting their rights against the coverage provider.

The question that arises in these situations is "Will my insurance protect me?" Much of the necessity for a lawyer to represent you in your uninsured motorist claims is that, despite paying premiums each month for the protection, these claims pit an insured party against their own insurance company. Often times, individuals believe that their coverage will protect them when this occurs and they don't require the assistance of legal counsel, but what incentive does the insurance company have to give you a fair and generous settlement on your claim?

It is the responsibility of your personal injury lawyer to protect your rights to the fullest, even when the claim is made against your own insurance company. When you have paid years of premiums for protection with no incident and the need for compensation arises due to another's negligence, it still behooves the insurance company to settle for as little as possible so as not to eat too much into their profit margins. What does the benefit of paying your premiums regularly offer you, the policy holder, when you have been seriously injured and it is in the best interests of your provider to offer minimal compensation?

The desire for the insurance companies to remain profitable puts the policy claimants at the disadvantage. The assistance of experienced legal counsel can even the playing field. As insurance companies continue to drop clients and cancel policies in the name of profit, the rights of the individual policy holders are ignored. When the question arises as to whether or not your insurance company is going to protect you, be sure to protect yourself with a personal injury lawyer as determined to fight for the compensation you deserve as the insurance companies are in increasing their profits.

From Illinois Injury Law Blog posted 2007-07-30.