Who We Serve
Hit by a Driver With No Insurance? You Still Have Options.
Illinois law lets you recover under your own auto policy's UM/UIM coverage when the at-fault driver has no policy — or not enough. Marker Law makes sure you collect every dollar.
Why Marker Law
Your Own Insurance Has to Step In
When a driver with no insurance or minimum limits hurts you, the only money on the table often comes from YOUR auto policy — through uninsured motorist (UM) or underinsured motorist (UIM) coverage. Carriers fight these claims hard, even against their own customers. Marker Law represents you against your insurer.
- UM claims when the at-fault driver had no insurance
- UIM claims when minimum limits don't cover your damages
- Hit-and-run claims under UM coverage
- Stacking and policy-interpretation disputes
- Bad-faith claims against your own insurer
Recognized & Trusted
The Credentials Behind the Work
Common Questions
Frequently Asked Questions
Straightforward answers to the questions Marker Law clients ask most often about this topic.
UM / UIM coverage is part of your own Illinois auto policy. It pays for your injuries when the at-fault driver has no insurance (UM) or has insufficient limits to cover your damages (UIM).
Yes. Every Illinois auto policy must include at least $25,000 / $50,000 in uninsured motorist bodily injury coverage. Many drivers carry higher limits — and many do not realize they have UIM coverage that can stack with the at-fault driver's policy.
Illinois law prohibits insurers from raising rates or non-renewing a policy solely because of a not-at-fault UM / UIM claim. Marker Law has fought rate-retaliation issues on behalf of clients and knows how to push back.
Sometimes. UM / UIM claims are typically resolved through arbitration (required by most policies). When the carrier refuses to deal fairly, suit can be filed. Marker Law treats the client's own insurer as adversarial when necessary — without compromising the relationship for legitimate claims.
A hit-and-run is treated as an uninsured motorist claim under your own policy. Reporting promptly to police is critical to preserve the claim.
Free Case Review
We Care & Want to Listen. It’s FREE.
Tell us what happened. We want to help, and there is never a fee for a consult with us.