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Can My Car Accident Settlement Exceed the At-Fault Driver’s Insurance Coverage?


At the Mancini Law Group P.C., our car accident attorneys in Chicago know that many vehicle collisions can result in severe, debilitating injuries that lead to enormous medical debt and lost income.

When that happens, it is vital to retain a skilled Cook County car accident attorney who can advise you of your rights and legal options to pursue the at-fault driver’s insurance company for the compensation you are entitled to for your complete injuries.

The trouble is, what if you have suffered permanent injuries and your expenses outweigh the negligent driver’s insurance coverage? We can help.

At Mancini Law Group P.C., we believe in Maximum Justice. Maximum Results.

What is the Minimum Passenger Vehicle Insurance Requirement in Chicago, Illinois?

In Illinois, the minimum car insurance requirements for passenger vehicles include:

  • $20,000 property damage liability
  • $25,000 per person, per accident for bodily injury
  • $50,000 for all persons, per accident for bodily injury

Some, but not all, drivers opt to carry additional insurance coverage to ensure they are fully covered in the event of an accident and are not left being pursued additional expenses out of their own pocket which is one option when our client’s accident injury needs exceed the at-fault driver’s insurance coverage.

What Happens if My Injury Expenses are More than the Driver’s Insurance Coverage?

Our skilled car accident lawyers in Chicago will investigate and uncover all additional funds that can be pursued if your injury needs surpass the at-fault driver’s insurance coverage.

That may include:

  • Pursuing an umbrella policy, which is common coverage for motorists working for a business at the time of the accident
  • Collecting additional compensation by going to court and pursuing the driver personally for the balance of your financial recovery needs
  • Suing other at-fault parties if more than one driver was responsible for your accident to collect damages under more than one insurance policy

Our experienced car accident attorney in Chicago will help you identify other potentially responsible parties, coverage, or financial options that will help bridge the gap between the insurance policy and your complete injury expenses, beginning with a free consultation.

Contact Our Car Accident Lawyers in Chicago at Mancini Law Group P.C. to Schedule a Free Consultation

If you have been hurt in a car accident caused by negligence, or have tragically lost a loved one to the reckless actions of another, contact our Chicago personal injury attorneys today at 773-745-1909 or online to schedule a free, confidential assessment of your claim to get all of your legal questions answered and learn more about your complete financial recovery options.

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