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Champaign Car Accident Lawyers

Car accidents claim tens of thousands of lives and cause millions of injuries each year in the United States. Additionally, a vehicle collision can cost the owner thousands of dollars in property damage. After an accident, victims are sometimes suddenly faced with extensive medical bills for emergency care and on-going therapy, repair and replacement costs for damaged property, and forced time off of work during recovery. Those injured in an accident may suffer from serious injuries that affect their quality of life in the long run.

Unfortunately, insurance companies are not always willing to help victims cover their costs. Fortunately, those responsible for the accident may be required to provide compensation to victims for their losses after a victim pursues legal action. Once you or a loved one has been injured in a car accident, and you determine that you will take legal action, the Champaign car accident lawyers of Spiros Law, P.C. can help you build your case to get the compensation you need from the responsible party.

Automobile Accident Cases

Our Champaign car accident attorneys are prepared to handle a wide range of vehicle accident cases. Our lawyers can help you with any case involving:

Car crashes can occur for a variety of reasons, and an experienced and knowledgeable attorney can help establish the responsible party’s fault and negligence that caused the accident, define your injuries, and help quantify your suffering. We believe that no one should have to suffer because of the negligent or malicious actions of another party, and we will fight to get you the compensation you deserve for your medical and personal losses.

What if the person who hit me doesn’t have insurance?

Illinois law requires all drivers who register their vehicles in Illinois to carry a minimum amount of auto insurance. Unfortunately, some drivers get behind the wheel without being adequately insured. When these drivers cause an accident on the road, it denies the damaged or injured party a sure source for financial recovery. Fortunately, Illinois law also requires all insured drivers to purchase uninsured motorist coverage at limits less than or equal to their bodily injury liability coverage limits. When you buy uninsured motorist coverage limits higher than the legal minimum limit of $20,000 per person/$40,000 per accident (also known as “full coverage”), your policy by law will also automatically include underinsured motorist coverage equal to your uninsured motorist coverage.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage provides you, or others insured under your auto policy for damages or injuries that you are legally entitled to compensation for, that resulted from an accident caused by the owner or operator of an uninsured vehicle or the owner or operator of a vehicle that flees from the scene of an accident caused by that vehicle. Underinsured motorist coverage provides you with compensation for damages and injuries from an accident caused by the owner or operator of a vehicle, or whose insurance coverage is insufficient to cover all your losses.

So, if you are involved in an accident with a driver who does not have insurance or with a driver who flees from the scene of the crash and cannot be identified, you may be able to turn to your own insurance policy for compensation from your damages and injuries up to the limits of your uninsured motorist coverage. Alternatively, if you are involved in an accident with a driver who does have insurance, but their insurance limits are insufficient to cover all your losses from your damages and injuries, you may be able to turn to your own auto insurance’s underinsured motorist coverage to cover those losses that are in excess of the other driver’s insurance policy limits.

Filing an UI/UM Claim

It is important to remember that filing an uninsured or underinsured motorist claim is different from filing a standard claim. Many insurance companies have notice requirements and specific technical filing steps that must be followed to submit a valid claim against your uninsured or underinsured motorist coverage. If you decide to submit an uninsured/underinsured motorist claim to your insurance company, it can be helpful to secure legal representation.

Filing an uninsured/underinsured motorist claim effectively puts you and your insurance company in adverse positions. This is because you are placing liability to pay your losses from your accident upon your insurance company. As a business looking to maximize its profit, your insurance company will look to limit the amount of money that it must pay to you. Having experienced legal representation when submitting uninsured/underinsured motorist claims can be especially important if your medical providers have placed liens upon any financial recovery you obtain from your accident, since you are not receiving recovery (or all of your recovery) from the party at fault for the accident.

Contact Us

Contact the Champaign personal injury attorneys of Spiros Law, P.C. at (217) 328-2828 to set up an initial consultation and discuss your case with a qualified attorney.

Client Reviews

"Spiros Law, and specifically the attorney that worked the case Matthew Duco, helped me get a settlement that will allow me to repair my car. I recommend Spiros Law if you need a good attorney! "

Via: Google

"I truly am beyond thankful for the careful thought and detail that was put into my case from day one! Jim and Matt were attentive, dedicated and invested the entire time and made sure I was taken care of. I can't thank you enough for advocating for me and my case like it were your own. I feel a positive sense of closure to such a hard time in my life"

Via: Google

"Jim was an excellent choice for me. With the stress of my medical issues, Jim put me at ease talking to him. My questions are always answered in a very timely manner. I feel that I made a very wise decision in hiring Jim and would highly recommend him to anyone."

Via: AVVO

"His attention to detail is above reproach and he most certainly is an asset to his profession. Mr. Spiros always answered my calls within a reasonable amount of time.  He is very pleasant to deal with and I believe that is very important in an attorney. I had no stress in dealing with the process due to Jim. I can not recommend him enough. He is the only attorney I would ever consider using.  "

Via: AVVO

"⦁ Sandy has handled 3 cases for me. She has not let me down, I'm very satisfied with the work she has done. "

Via: AVVO

"Ms. Loeb listened and addressed my concerns at the consultation, evaluating the situation with professionalism and a friendly manner. My case was resolved to my satisfaction in a short period of time."

Via: AVVO

"Sandy was always accessible, whether by email or by phone. I never once was asked to leave a message if she was in the office."

Via: AVVO

"Every time I met with Miranda or had a phone conversation with her the first thing she would ask was how I was doing and make sure if there was anything she could do for me. I felt during this whole process she made this case very personal to her. I felt I was talking to a good friend and not an attorney. "

Via: AVVO

"I would highly recommend Miranda to take your case. She is an excellent communicator and a fast thinker! I am very happy with the result of my case, and all praise is due to Miranda. "

Via: AVVO

"Miranda is wonderful in keeping us informed on how things were/are progressing in our case. When we had questions or concerns, we felt comfortable emailing or calling into the office to speak with her, and of course, she gave us honest, truthful answers that reassured us. We've never been down this road before, but having an attorney like Miranda has definitely helped in seeking the justice we feel is deserved."

Via: AVVO

"Mr. Purcell was extremely helpful with any questions we had and responded in a timely manner. The service we received was excellent and I highly recommend him."

Via: AVVO

"Andrew did an excellent job on my case when I was in a car accident last year. I was injured and couldn't drive to meet with him so he came to me and always kept me in the loop with what was going on. He is very professional, responsive, and made things as easy for me as possible."

Via: AVVO

"Patricia always made herself available for my questions and was very prompt with her responces. Every step of the process was explained to me in detail, and I was updated on any progress that was made in my case. I would highly reccomend Patricia for her excellence in working out the best outcome for her client as well as her understanding and compassion. "

Via: AVVO

"Thanks to Bill Schmitz for all his pep talks and great sense of humor. You are an asset to the Team. "

Via: AVVO

"Bill is a standup guy. Had the experience and knowledge for a successful outcome in my difficult case. Truly listened, gave great advise. "

Via: AVVO

"Not only did Mr. Schmitz produce fantastic results far exceeding my expectations, but he was always quick to get back to me and explained the process thoroughly."

Via: AVVO

"William is a great lawyer who cares for each of his cases and always does right by them. I felt much better after my consultation with William, as he helped me and guided me through the difficult roads of the law."

Via: AVVO