Common Types of Insurance
Illinois law encourages people to buy insurance. Insurance is mandatory for certain dangerous activities, like driving a car. Insurance helps protect people from the bad effects of human errors, like negligent driving. The personal injury Law Office of Tom Reuland can help you navigate which types of insurance are available to cover the harms and losses you have sustained because of someone's human error.
Liability Insurance
Liability insurance can cover physical injuries that someone's negligence causes. Generally speaking, the person who commits the error buys liability insurance so they do not have to pay for the damages they cause out of their pocket, but instead have the insurance company pay.
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Underinsured and Uninsured Motorist Coverage
This type of coverage is something that the injured person buys. If someone who causes an injury does not have insurance or does not have enough insurance, the injured person who bought underinsured or uninsured coverage might be able to recover for their losses through an arbitration. The injured person who has this coverage also typically has to pay back anything that they recover from the at-fault party.
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Medical Payments Coverage
Medical Payments Coverage is insurance that pays only for certain medical expenses. It is typically a smaller amount of money than what an injured person needs to pay all of the medical bills and for other damages.
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Homeowners Insurance
Homeowners insurance typically covers property and assets within a house. For example, if a roof collapses, this type of insurance typically covers the repairs. But people might not realize that many homeowners insurance policies also cover physical injuries that occur within the home. The insurance might also cover injuries caused by pets, like a dog who bites a neighbor. Reuland Law can help advise people on what is and is not covered by various homeowners insurance policies.
What Happens If Someone Doesn't Have Insurance?
If a negligent person or company does not carry insurance to cover the injuries that they cause, very few attorneys will bring any kind of legal action against the negligent party. This is a sad scenario that leaves the injured person without a route to recoup what they have lost. If you have been injured and are not sure if the at-fault party has insurance, it is critical to contact attorney Tom Reuland who can help determine whether insurance is available or if the injured person has a path to recovery.