Illinois does not let UM limits on different vehicles or policies add up, and UIM pays your limit less what you actually recovered from the at-fault driver, with your policy able to bar adding policies. Enter your limits, damages and the other driver's recovery to see the range.
Enter your policy limits, your damages and what the other driver's insurer paid.
Illinois's rules are in 215 ILCS 5/143a for UM and 143a-2 for UIM. The minimum limits are in 625 ILCS 5/7-203, and the injury deadline in 735 ILCS 5/13-202.
Read how stacked and single-limit coverage differ in Illinois, check what sections 143a and 143a-2 say, or see how UM and UIM pay differently.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Illinois statutes. Confirm how these rules apply to your specific case with a licensed Illinois attorney.