Underinsured/Uninsured Motorist Bicycle Accident Lawyers
Our attorneys help injured bicyclists recover financial compensation
Hit-and-run crashes and crashes involving uninsured drivers or drivers with terrible insurance is becoming a bigger and bigger problem for bicyclists in Illinois. As bicycle accident attorneys, we know that for many clients, the process of recovering financial compensation after being injured can seem like a confusing and frustrating process. This can especially be the case when the driver that caused the crash was either uninsured or underinsured. Keating Law Offices, P.C. can help.
All drivers in Illinois are required to have car insurance. If a driver causes a crash that leaves you injured, compensation for damages is paid out of their policy. In some cases, the driver that caused a bicycle accident doesn’t have insurance. Or, the driver does not have enough insurance to cover the total damages suffered by the injured bicyclist.
Fortunately, if you were involved in a crash with an uninsured or underinsured driver, you can file a claim with your own insurance company, even if you were on a bicycle. Every insurance policy in Illinois has automatic coverage for accidents with uninsured drivers and may also cover accidents with underinsured motorists.
Our attorneys help injured bicyclists in Chicago and throughout Illinois
If the driver was uninsured, you can file a claim for compensation for the damages you suffered. If the driver was underinsured, you can file a claim for the amount not covered by the driver’s insurance. In both cases, the amount of compensation you can receive is limited by the amount of liability coverage on your policy.
A bicycle crash can leave you seriously hurt. The types of injuries bicyclists suffer can include cuts and lacerations, broken bones, concussions, head and neck injuries, traumatic brain injury and back and spinal cord injuries. They may need surgery, hospitalization, physical therapy and medication. Their medical expenses can add up quickly and become overwhelming.
Recovering financial compensation can be difficult even when filing a claim with your own insurance company. Remember, insurance companies like to make money. So, in order to keep their profits as high as possible, they try to keep payouts as low as possible. Some of the tactics they use include:
- Questioning the extent of your injuries
- Arguing your injuries were pre-existing
- Blaming you for partially causing the crash
- Making a lowball settlement offer
That is why you need an experienced bicycle accident lawyer who will fight for your rights. We know how complicated cases involving uninsured or underinsured drivers can be. We can help guide you through the process and will fight to help you recover the financial compensation you need and deserve.
Our firm focuses on strong cases that get results
We begin by investigating your crash to get the facts. Our legal team gathers evidence, reviews medical records and accident reports, and identifies and interviews witnesses. If needed, we consult accident reconstruction experts and other specialists. Our attorneys build a strong case to prove you were injured in a crash caused by another driver’s negligence.
Then we seek financial compensation for the total amount of damages you have suffered. This includes compensation for all medical expenses related to your injuries – both now and in the future. It includes compensation for any lost wages while you were left unable to work. We may seek compensation for other damages, such as pain and suffering.
Many times, we can resolve your case through a negotiated settlement. The total amount of compensation you can recover may be subject to policy limits. Our goal is to help you recover the maximum compensation possible.