When a devastating motor vehicle collision occurs, the road to recovery is often overwhelming—medically, emotionally, and financially. Many injured victims believe that if the at-fault driver only carries Illinois minimum auto insurance limits, they are stuck with low compensation, regardless of how serious their injuries may be.

Recently, our law firm—recognized as a trusted Illinois personal injury law firm — proved that skilled legal work can dramatically expand the compensation available, even when the at-fault driver is underinsured.

This recent case showcases why hiring an experienced Chicago car accident lawyer is essential after a serious crash.

The Crash and Initial Insurance Limits

Our clients were passengers in a vehicle struck by a negligent driver who carried only $25,000 in liability coverage, the minimum required under Illinois law.

The crash caused multiple serious injuries, including:

• Emergency room treatment
• Orthopedic injuries & surgeries
• Long-term pain and physical limitations
• Lost wages and rehabilitation

With several injured passengers and only a $25,000 liability policy, many victims assume there is nothing more to collect. But an experienced motor vehicle crash lawyer understands that additional coverage may be available.

We pursued it aggressively.

Finding Additional Coverage: The Key to Maximizing Recovery

After securing the full $25,000 policy limits from the at-fault driver, our firm conducted a comprehensive underinsured motorist (UIM) coverage investigation.

Through detailed policy review and strategic negotiation, we determined that the two passengers qualified for UIM benefits under separate auto insurance policies.

Each policy provided $100,000 in coverage.

These additional policies allowed us to pursue substantially higher compensation—something many victims never realize they may be entitled to without guidance from an experienced auto accident settlement attorney.

Policy Limits Secured: Two Additional $100,000 Recoveries

As a result of our advocacy and investigation, our firm successfully obtained:

• $25,000 — At-fault driver’s liability policy
• $100,000 — UIM policy limit for Passenger A
• $100,000 — UIM policy limit for Passenger B

Total Recovery: $225,000

This settlement ensures our clients have financial support for ongoing medical care, lost income, and the long-term effects of the crash. It also highlights the importance of hiring a Cook County injury attorney who understands complex insurance coverage.

Why This Matters for Illinois Auto Accident Victims

Illinois drivers frequently carry minimum insurance limits, which often fall short in serious injury cases. Many victims don’t realize:

✔ You may have access to your own underinsured motorist coverage
✔ More than one policy may apply
✔ Insurance companies often do not disclose these options without pressure
✔ A knowledgeable Illinois accident lawyer can uncover additional layers of coverage

This case demonstrates how a thorough coverage investigation can transform a limited claim into a substantial car crash compensation recovery.

Our Commitment to Maximizing Every Dollar of Available Coverage

As leading Illinois personal injury lawyers, our mission is to obtain the highest possible recovery for every client. We pursue all available insurance policies, including UIM benefits, umbrella policies, and household coverage—especially when the at-fault driver carries minimum limits.

If you or a loved one has been injured in a motor vehicle crash—even if the other driver has limited insurance—contact our law firm for a free consultation. You may have far more compensation available than you realize. #ChasingJustice

About Coffman Law Offices, P.C.

At Coffman Law, we are committed to standing up for injured individuals and helping them secure the compensation they deserve. We are proud to have helped our client move one step closer to healing and justice.

If you or a loved one has been injured in a pedestrian accident or other motor vehicle incident, don’t hesitate to contact us for a free consultation. We’re here to help you understand your rights and fight for the results you deserve.