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chicago personal injury lawyerIt is impossible to be fully prepared for a potential car accident, especially since you cannot predict the actions of others. Even if you obey all traffic laws and drive as safely as possible, other drivers may act negligently or recklessly, leading to dangerous collisions that can result in serious injuries and extensive property damage. To make matters worse, the person who caused an accident may be uninsured, making it difficult for you to receive coverage that will fully address your injuries and damages. Fortunately, one way you can prepare for this eventuality is by ensuring that your auto insurance policy includes uninsured/underinsured motorist coverage.

Reasons to Consider UM/UIM Coverage

If a driver who causes an accident does not have insurance, uninsured motorist (UM) coverage will address the expenses related to the injuries that occurred in the collision. Underinsured motorist (UIM) coverage will apply in situations where a driver has insurance, but the limits of their policy will be insufficient to address the injuries you have suffered. You should consider including these coverages in your auto insurance policy for multiple reasons, including:

  1. 11.8% of drivers in Illinois are uninsured. This means that you have more than a 1 in 10 chance of getting in an accident with someone who does not have insurance coverage. In these situations, you may have limited options for receiving compensation that will address your expenses.

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south-side-chicago-accident-lawyer.jpgAs the weather warms up in the spring and summer and people begin to spend more time outdoors, the number of pedestrians on the roads will increase. Unfortunately, this means that pedestrian accidents will be more likely to occur. Pedestrians who are struck by cars or trucks are likely to experience multiple types of severe injuries, and in many cases, these accidents are fatal. By understanding the reasons that these types of accidents occur, injury victims can determine who was responsible, and they can take action to recover financial compensation that will address their injuries and other damages.

Pedestrian Accident Statistics

Data released by the Illinois Department of Transportation for 2020 shows that while pedestrians were involved in only 1.3 percent of all motor vehicle accidents, these accidents accounted for 15.8 percent of fatal crashes and 5.8 percent of crashes involving injuries. The risks that pedestrians face are significant, and some of the most common factors that play a role in pedestrian accidents include:

  • Alcohol use - Around 46 percent of all fatal pedestrian accidents involve some consumption of alcohol by either a driver or pedestrian. While pedestrians may be at higher risk of being injured if they have consumed alcohol, drivers who are intoxicated are much more likely to cause injuries to others. Drunk driving significantly affects a driver’s ability to notice and respond to pedestrians, and an intoxicated driver is much more likely to inflict serious or fatal injuries in a collision.

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Chicago's South Side Personal Injury LawyerSnow and ice are common issues that Illinois residents have to deal with during the winter months. When cold weather or winter storms result in slippery sidewalks, parking lots, or other walking areas, the risk of injury in a slip and fall accident increases significantly. Even though people are aware of these hazards and will usually take care to avoid injuries when walking outside during the winter, accidents can still occur. 

A fall on snow or ice can result in multiple types of injuries, including broken bones, sprained or dislocated joints, or traumatic brain injuries. People who have been injured may struggle with a variety of financial and personal issues during their recovery, and they will want to determine their legal options, including whether they may pursue financial compensation from the owner of the property where an accident took place.

Premises Liability and Unnatural Accumulations of Snow and Ice

When a person suffers injuries while they are visiting property owned by someone else, the property owner may be held liable for the person’s damages. Generally, premises liability laws will apply if an injury occurred because of hazards on the property that the owner should have known about and failed to take action to address. Property owners or tenants who manage and control a property must take steps to correct safety issues or provide visitors with warnings about potential risks. 

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Cook County motorcycle accident attorneyNow that spring has arrived, the weather is warming up in Illinois. After being required to stay at home over the past couple months, many motorcyclists are looking forward to hitting the open road, whether they will be commuting to and from work at an essential business or seeking a reprieve from being cooped up indoors. May is National Motorcycle Awareness Month, and advocates are working to make other motorists more aware of motorcycle riders and help reduce or prevent accidents. According to the National Highway Traffic Safety Administration (NHTSA), approximately 5,000 motorcyclists were killed in traffic accidents in 2018. It is especially important for car and truck drivers to understand the safety challenges faced by motorcycle riders. Due to their lack of protection compared to vehicles, riders are more vulnerable to collisions and injuries

Illinois Motorcycle Laws 

There are certain laws that have been put in place to protect motorcyclists. In Illinois, a person must complete a required course and take a written and driving test before obtaining their motorcycle license. Additional requirements include traveling at the posted speed limit, wearing protective gear, and turning on headlights at all times, even during the daytime. Inclement weather such as rain, wind, and fog can reduce a cyclist’s visibility, so it is imperative that they take steps to ensure they are seen by other people on the road. 

Although Illinois does not require motorcyclists to wear helmets, they have been proven to help protect riders’ heads in the event of a crash. The following are a few other ways that a motorcyclist can reduce the likelihood of being involved in an accident: 

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South Side of Chicago public transportation accident lawyerChicago is the third largest city in the United States, and the latest census information puts its population at approximately 9.5 million people. The Chicago metropolitan area includes the city and its surrounding suburbs, and there are many public transit options for residents as well as tourists. Traffic in Chicago is known to be heavy, especially on weekdays during rush hour. That is why many city dwellers and suburbanites use mass transit to get to and from work. From Chicago Transit Authority (CTA) and Pace buses to “the L” (elevated trains), Metra trains, and water taxis, there are many ways to get all over the city without driving a vehicle. However, as with other forms of transportation, there is the potential for injuries in the event of a mass transit accident.    

Common Types of Injuries

Due to the immense size and weight of buses, trains, or ferries, being involved in a collision with them can have devastating consequences. These modes of transportation do not typically have seat belts for passengers, so people are less protected than they would be in other vehicles. In the event of a collision, the occupants can be ejected from the bus, train, or boat. An explosion and subsequent fire can also break out after trains hit each other head-on. In addition, if a pedestrian or bystander is struck by a train or bus, he or she can suffer debilitating or even fatal injuries depending on the speed at which the transit vehicle was traveling.

A few of the injuries most often sustained in a public transit accident include: 

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