What happens when the driver who injured you has some insurance but not enough? A Chicago underinsured motorist accident attorney of The Horwitz Law Group can help you obtain compensation for damages from the underinsured motorist provision of your own insurance policy.
Illinois drivers are only required to carry liability insurance with a minimum coverage of $20,000 per person and $40,000 per accident. Often, this coverage is just not enough.
It does not take much of an accident to leave you with tens of thousands of dollars in damages. Costs associated with doctor’s visits, hospital stays, surgery, rehabilitation costs, lost wages, lost future earning capacity, damage to your own vehicle, and your own pain and suffering can quickly exceed the minimum coverage limits. This can leave you injured, unable to work and facing significant debt through no fault of your own.
The underinsured motorists (UM) portion of your insurance policy can provide additional coverage when damages exceed the limits of the other driver’s coverage. Our lawyers are experienced in representing clients in underinsured motorist claims.
In most cases, your insurance rates will not go up simply because you made a claim on your underinsured motorist coverage. However, as soon as you make a claim on your insurance, you will become an adversary to your own insurance company. Its representatives will attempt to minimize the amount of damages they pay to you. That is why it is extremely important to seek representation from a lawyer who will pursue full coverage.
Our Chicago uninsured motorist lawyers are experienced in obtaining compensation in uninsured and underinsured motorists claims. A significant portion of our practice is devoted to helping those injured by those who lack any insurance or adequate insurance. Please let us explain how we can help you. To arrange a free consultation about your case, please contact The Horwitz Law Group.
Type of Case: Mass Transit Accident (Metra) Result: $2.1 million dollars “I was in a Metra Train Accident in September 2005, and I hired Mark Horwitz as my lawyer. My experience with Mark has been wonderful. He’s very considerate. He’s caring. Every time he calls me, the first thing that he says is, how are you feeling and how is your family, and I really, really appreciate that. If I didn’t have Mark Horwitz as my lawyer, I think I’d be lost. I don’t think any other lawyer would give me the information that I needed to feel comfortable that the case is moving in the right direction.” – Marie B. The Chicago Daily Law Bulletin released an article detailing the $2.1 million settlement for Marie shortly after it was announced.
Former Chicago Police Officer Type of Injury: Premises Liability Accident Resulting in Below the Knee Amputation Result: $1,400,000.00 “After all my experiences with attorneys, Mark Horwitz was one of the finest attorneys I’ve ever met. He not only was my attorney, he was my friend. He extended himself far more beyond the attorney/client relationship. I couldn’t ask for a better attorney. I couldn’t ask for a better friend. And I would definitely, without question, recommend him to anyone who needs a professional, qualified attorney because he’s the guy.” – Charles Brown
Type of Injury: Personal Injury Initial Offer: $50,000.00 Jury Verdict:$1,197,000.00 Johnnie B. W. Jr. was a professional basketball player back in the 1970s. In 2002 while getting off a CTA red line train, the trainman closed the doors on Mr. Williams while he was exiting the train. At the time, Mr. Williams was wearing a backpack that became lodged in the doors. The train began to move and Mr. W. ran along the platform until the train’s speed prevented him from doing so. At that time, Mr. W. lost his footing and his long legs began striking the platform while he fought to free himself of the train’s doors and/or his backpack. In the process of doing so, Mr. W. fractured a bone in his wrist. Luckily he was able to free himself of the doors just before the car reached the end of the platform. Mr. W. went to several law firms who refused to take his case holding that he was at fault for his own injuries. Mr. W. then came to see Mark J. Horwitz, of The Horwitz Law Group. Mr. Horwitz instantly filed suit against the CTA and began an investigation to obtain information regarding any…
Type of Injury: Personal Injury Final Offer: $75,000.00 Final Judgment: $100,000.00 On October 7, 2007, Ms. Bogan was driving her automobile on Interstate 57 when she noticed a car stopped in one of the moving lanes. When she looked to see what was happening, she saw a man slumped over his steering wheel who was not moving. Being a good Samaritan, Ms. Bogan parked her vehicle in front of the disabled vehicle and got out to see if the driver of that car needed assistance. After determining that the man was not conscious, Ms. Bogan called the Illinois State Police. The police arrived and told Ms. Bogan to get back into her car. While going between the two cars, the man suddenly awoke, hit his gas and crushed Ms. Bogan between the vehicles. Ms. Bogan’s leg was nearly severed from her body. It turned out that the man causing the accident had no auto insurance. Mr. Horwitz then had to file an uninsured motorist claim with Ms. Bogan’s own insurance company who initially found Ms. Bogan at fault for her own injuries. After fighting and threatening to file a vexatious delay and bad faith claim against Ms. Bogan’s own insurance…
Type of Injury: Personal Injury Final Offer: $60,000.00 Final Settlement: $100,000.00 In the summer of 2008, the father of a minor child (whose name is withheld because he is 5 years old) backed over his son while leaving his home. The child had gone under the car to retrieve a Mr. Potato Head doll that had rolled under the car. The father, not knowing his son was under the car, started it and backed down the driveway. Hearing screams, he stopped his vehicle and drove forward. It was every parent’s worst nightmare. This person, believed he had killed his son. Luckily, his son survived but had both legs broken as well as damage to his skull. “Mark J. Horwitz of The Horwitz Law Group took care of us as though we were family. He handled this very delicate situation with finesse and was able to obtain the maximum amount available for my son while reducing his fees. I would recommend Mr. Horwitz and The Horwitz Law Group to anybody who ever needs a high-powered, kind, efficient lawyer.” -Tanya Mustafa
Type of Injury: Car Accident Final Offer: $60,000.00 Final Judgment: $175,000.00 Rosetta Glover was a passenger in her husband’s car traveling on Martin Luther King Drive. A cab came around their car and made a sudden U turn in front of them causing the accident. Ms. Glover sustained an injury to her shoulder which required an immediate surgery. She hired another Chicago lawyer who obtained a settlement offer from the cab company for $60,000.00 and told Ms. Glover to accept it despite the fact her shoulder continued to give her problems. Ms. Glover then contacted Mark J. Horwitz of The Horwitz Law Group. Mr. Horwitz filed suit and litigated against the cab company for nearly three years. During that time, it was determined that Ms. Glover required an additional surgery on her shoulder. The case was set and ready to proceed to trial in October of 2008. Facing trial and a certain verdict, the cab company offered $175,000.00 on the day of trial and the case settled for $115,000.00 more than the original attorneys wanted Ms. Glover to settle her case for.
I wanted to thank for all the work you have done to help me with my situation. I really appreciate you not giving up despite my indecisive attitude in the beginning . I’m glad to have met you and that represented me. You changed my perspective on lawyers and I cannot repay you for the hard work you did in the past year. You made my situation easier and not only do I respect you as the hard working lawyer that you are but as a friend as well. I hope you have a great new year and thanks to you my 2013 started out great. I apologize for my attitude in the beginning but after meeting you I trusted you. You haven’t disappointed your client…keep up the great work! I’m glad and grateful that you have found me and helped me!
My daughter was severely injured in a car accident and I was nervous about finding a personal injury attorney, but from the start, I felt confident with my choice in the Horwitz Law Group. Mark was completely professional, trustworthy, communicative, honest and helpful. He kept my daughter focused throughout her entire recovery, both emotionally and medically. He was extremely attentive and responsive answering each and every question I had in a timely manner and explained everything in laymen terms - always keeping me informed of every step along the way. Mark was honest with us and didn't make outlandish promises but most of all he wanted what was best for my daughter and not just a paycheck. He and his team were instrumental in saving us huge amounts in medical bills as well as garnering a settlement award that was very much welcomed. Not only did they resolve the case beyond our satisfaction, they also were very caring and supportive thru my daughter's recovery. I couldn't ask for a better attorney and I couldn't recommend him more. It is my hope that I will never need legal representation again, but should I find that I do Mark J Horwitz will…
for a young lady who was run over by a private waste hauling company while crossing the street.
for a client injured in a 2005 Metra train derailment case.
for a client whose family was killed by a street sweeper that ran a red light.
for a premises liability accident resulting in below the knee amputation.
for a woman who was hit by a car while crossing the street.
for a client who was injured on the CTA red line train.
for a client who had lawyers at another law firm trying to settle the accident case for only $60,000.
for a client who was crushed between two cars nearly severing off her leg.
for a client whose son was accidentally run over by her husband as he backed out of their driveway.
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