Illinois Auto Insurance

Reader’s Question:

What do I have do to protect myself against uninsured motorist in Illinois?

Kim

Chicago, IL

You should buy uninsured/underinsured motorist coverage to protect yourself against uninsured motorist.

The uninsured driver coverage will pay for medical bills and pain and suffering if you are hit by an uninsured motorist.

The uninsured driver property damage coverage will pay for property damage if you are hit by an uninsured motorist.

Your best option is to file the claim with your insurance provider and if you have appropriate coverage, then your insurance provider will pay the claim. That is the reason why you have insurance in the first place. If you don’t have coverage for the claim then you have to take legal action against the at-fault uninsured motorist.