What Is An Underinsured Motorist Claim?

When a person has been injured in a car, truck, or motorcycle accident they look to the at-fault driver’s insurance company to pay their bills, lost earnings, and other damages.  When the at-fault driver had insurance, but didn’t have enough insurance to pay for all of the damage they caused, we refer to them as an underinsured motorist.

Were You Injured by an Underinsured Motorist?

In this day and age, it doesn’t take much medical treatment for the bills to exceed the minimum insurance required in the State of Illinois.  When your medical bills are high, or you have lost earnings because of the accident, the full amount of insurance may not even come close to what you deserve.  Even when the insurance company agrees to pay you the limits of their insurance, you still come up short.

Are the Medical Bills Taking All of the Available Insurance?

Are the hospital, doctors, or Medicare, trying to claim most of the money available from the insurance on your claim? These problems are common to underinsured motorist claims.

If You Have an Underinsured Motorist Accident, We Can Help.

Working with insurance companies and medical providers can be an impossible task even if you know what you are doing. Everyone but you has a team of lawyers and professionals whose job it is to make sure they get to keep the money and you get as little as possible. It doesn’t have to be that way.  Let us review your situation to see what we can do to help you.  Many times, there is hidden insurance coverage available to pay your claim.  And, there are special laws that limit what an insurance company or medical provider can take from your recovery. You can bet no one is going to tell you about that. Call us for help.

Schedule a Consultation with Hanagan & McGovern

We have over 50 years of combined experience handling nothing but injury, disability and death claims.  It is the only work we do.  You can learn more about our firm, and our attorneys Steve Hanagan and Brian McGovern.

We handle the entire underinsured motorist claim process including:

  • Finding the hidden coverages that can make the difference between you getting nothing and getting full compensation for your injury.
  • Getting the creditors off your back.
  • Keeping the medical providers and health insurance companies from taking all of the insurance available.
  • Making sure you understand your rights and the underinsured motorist claim process.
  • Helping you to achieve the best possible result for your injuries.

We handle the entire underinsured claim process and will make sure that you achieve the best possible result.  We have over 50 years of experience doing just that. We do not charge to speak with you about your claim. In fact, we do not charge you anything until we win your case.

Call us today to discuss your claim for free.  Free really means free.

Call Us Now


Hanagan & McGovern

212 S. 22nd St
Mt. Vernon, IL 62864

” It was a great experience working with Steve Hanagan. I spent countless hours on the phone with him.He was always there to completely answer all my questions and concerns.His knowledge of the law was top notch.He successfully guided me through a very complex case,and forced the insurance company to offer and pay a very large settlement. ”

Robyn S. March 2018

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