Understanding Your Legal Options After Serious Car Accident Injuries
At Mancini Law Group P.C., our car accident attorneys in Chicago know that many vehicle collisions result in severe and permanent injuries, leading to enormous medical debt, lost income, and long-term financial hardship.
When this happens, it is critical to retain an experienced Cook County car accident attorney who can explain your legal rights and help you pursue the at-fault driver’s insurance coverage for the full compensation you deserve.
But what happens when your car accident injuries are so serious that your expenses exceed the negligent driver’s insurance limits? In many cases, your car accident settlement can exceed insurance coverage—and we can help you understand how.
At Mancini Law Group P.C., we believe in Maximum Justice. Maximum Results.
What Is the Minimum Passenger Vehicle Insurance Requirement in Chicago, Illinois?
Under Illinois car insurance laws, the minimum passenger vehicle insurance requirements include:
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$20,000 in property damage liability
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$25,000 per person for bodily injury
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$50,000 per accident for bodily injury
Some drivers carry additional insurance coverage, while others do not. When an accident victim’s medical expenses and injury-related losses exceed these minimum limits, other legal options may be available to help cover the remaining damages.
What Happens If My Injury Expenses Are More Than the Driver’s Insurance Coverage?
Our experienced car accident lawyers in Chicago conduct detailed investigations to identify all available sources of compensation when your injuries exceed the at-fault driver’s policy limits.
These options may include:
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Pursuing an umbrella insurance policy, often available if the driver was working at the time of the accident
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Filing a lawsuit to pursue the at-fault driver personally for unpaid damages
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Identifying additional liable parties when multiple drivers or entities contributed to the collision
Our Chicago car accident attorney will evaluate every possible avenue of recovery and explain your options, starting with a free consultation.
Contact Our Car Accident Lawyers in Chicago for a Free Consultation
If you were injured in a car accident caused by negligence, or have tragically lost a loved one in a fatal car crash, contact our Chicago personal injury attorneys today at 773-745-1909 or online to schedule a free, confidential case evaluation.
We will answer your questions and help you determine whether your car accident settlement can exceed the at-fault driver’s insurance coverage.
