Experienced Chicago Car Accident Attorney
It is often said that in order there are three necessary ingredients to a substantial recovery in a personal injury case. One, a negligent defendant (liability) , two, that causes substantial injuries or death (that is damages), by a defendant with a“substantial pocketbook”, which ordinarily means heavily insured. Should you be injured in a car accident, in Chicago, an attorney can help you obtain a recovery due to someone’s negligence. If the person who injured you in who does not have proper insurance, then a Chicago car accident attorney can look to the insurance policy covering your vehicle. The Chicago car accident attorney will also look at your own insurance policy for underinsured or uninsured motorist coverage. You may be able to rely on underinsured or uninsured coverage in these policies.
One thing to remember about car accident attorney cases filed in Chicago, is that if the tortfeasor does not have adequate insurance to cover your damages, then you ordinarily need to give notice to the insurance carrier providing underinsured motorist coverage. The Chicago car accident attorney can give notice to your underinsured carrier that , for example, you intend to settle with the tortfeasor for the policy limits of the person who caused the car accident. The insurance carrier must then either tell you or your Chicago car accident attorney to accept the policy limits or give you the amount of money the tortfeasor offered and then continue the case against the tortfeasor. Although occasionally if the person causing the car accident has 10 or 20 thousand dollars of insurance, and substantial assets, then tyour Chicago car accident attorney may negotiate with you insurance carrier to pay you those monies to continue he case against a tortfeasor who could be subject to a collectible judgement. If the tortfeasor has $100,000/00, of coverage, it would be unusual for the carrier providing underinsured motorist coverage for the car accident to pay you $100,000.00 to keep the underlying suit against the tortfeasor alive. Once you settle your case with the tortfeasor, and either your or your Chicago car accident attorney have given notice to the insurance carrier who has underinsured motorist coverage for the car involved in the accident, then you are ready to demand arbitration of your underinsured motorist coverage claim. A Chicago car accident attorney can handle your arbitration.
For Chicago car accident, an attorney can help you avoid the legal “minefields” on the road to you recovering substantial damages. Please feel free to contact us if you would like help on a car accident case in Chicago or elsewhere.