Theoretically, a 2006 amendment to the Illinois Vehicle Code should have provided Mary Carmichael with $250,000 in underinsured motorist protection when — as a passenger in a six-person van owned and operated by Professional Transportation Inc. that her employer, Union Pacific Railroad, hired to drive her to a jobsite — she was injured by a negligent driver who only had a $20,000 auto liability policy.But PTI failed to get the $250,000 in uninsured/underinsured motorist coverage required by Section 8-101(c) of …