Do I Need Underinsured Motorist Insurance?

Have you ever been in a car accident and found out that the other driver didn’t have enough insurance to cover your damages? It’s a frustrating situation, but one that can be avoided with underinsured motorist insurance. In this blog post, we’ll explore what underinsured motorist insurance is, how it works, and whether or not you need it. So buckle up and let’s dive in!

What is Underinsured Motorist Insurance?

Underinsured motorist insurance is a type of insurance that can help protect you if you’re hit by someone who doesn’t have enough coverage. Underinsured motorist insurance helps pay for your damages if the at-fault driver doesn’t have enough money to cover your losses. This type of coverage is especially important if you’re in a high-risk category, like driving for a company with a lot of uninsured drivers.

Types of Coverage

If you own a car, you may be wondering if you need uninsured motorist insurance. This type of coverage protects you and your passengers in the event that someone hits your car and denies liability. Uninsured motorist coverage can help pay for damages to your car, as well as medical expenses and lost wages.

There are a few things to keep in mind before purchasing uninsured motorist insurance. First, make sure that you have comprehensive coverage, which includes coverage for hit-and-run accidents. Second, make sure to review your policy terms carefully to see if there are any exclusions or limitations on the amount of reimbursement you receive. Finally, always carry proof of insurance when driving in case of an accident.

How Much Is Coverage?

Underinsured motorist (UM) insurance is a type of car insurance that covers you if someone else’s negligence causes damage to your car. UM coverage is optional, but can be a good idea if you’re likely to get into accidents. You can usually find UM coverage at an additional cost above your regular car insurance policy.

To determine whether you need UM coverage, first estimate how much money you typically spend on repairs after accidents. If the amount is greater than your deductible and your auto insurance policy limits, it’s time to look into UM coverages. The best way to calculate your potential payout if you are in an accident with an uninsured driver is by using our online underinsured motorist calculator.

There are several factors that will affect how much money you could recover in the event of an accident with an uninsured driver: the location of the collision, the type of vehicle involved, and the level of injury or property damage incurred.

What to Do If You’re Injured by an Uninsured Driver

If you are injured in an accident with an uninsured driver, you may be entitled to compensation. There are a few things you can do if you are:

1. Call the police or 911 immediately. This will help document the incident and ensure that any evidence is preserved.

2. Take pictures or video of the scene of the accident. This can help prove your case if insurance companies try to deny your claim based on lack of evidence.

3. Collect relevant documentation from the accident, including statements from witnesses and police reports.

4. Contact an attorney as soon as possible to discuss your case and options. An attorney can help protect your rights and negotiate a settlement with the insurance company on your behalf.


If you are a driver in Illinois, it is important to know that underinsured motorist insurance will help protect you if someone hits your car and doesn’t have enough money to pay for the damages.

Underinsured motorist coverage provides protection against losses up to $100,000 per occurrence, which means that even if someone hit your car and didn’t have insurance, they would still be liable for the full cost of repairs. If you have any questions about whether or not you need underinsured motorist insurance, don’t hesitate to reach out to our team at The Law Offices of Dan Billek.