Insurance policies are supposed to provide us with some sense of security should we get hurt in a car accident. Unfortunately, insurance companies often resort to playing games or trying to interpret their policies in a way that benefits them the best. While you are suffering from your injuries and trying to get back on your feet, it can be hard to take the time to read through your policy and understand whether you are getting a fair deal. One way to protect your rights and to make sure you get the payout you deserve is to work with a Chicago personal injury lawyer. If you are involved in an auto insurance dispute or were hurt in a car accident, call Therman Law Offices now.
In a recent case, the Illinois Court of Appeal considered whether an insured’s auto policy required the insurance company to pay her benefits when she was hurt while riding in someone else’s vehicle. The driver of the vehicle in which she was riding hit another car in an intersection. The plaintiff maintained an auto insurance policy that also included uninsured motorist (UM) coverage up to $25,000 for bodily injury or death per person up to $50,000 per accident.
The insurance company filed a claim for a declaratory judgment. This type of claim asks the court to issue a ruling that decides who is right in a legal conflict, such as a contract dispute. The lower court eventually concluded that the plaintiff was entitled to coverage under her UM policy even though she was not riding in her vehicle at the time of the accident.