What Are My Options If I Was Hurt in a Car Accident Involving an Uninsured Driver in Illinois?

 Posted on October 09,2020 in Car Accidents

Car insurance is required by law, but unfortunately, that does not stop many drivers from driving without insurance. Typically, when a driver causes an accident, his or her insurance company is responsible for covering the costs incurred by that accident. If the driver does not have insurance or has too little coverage, the situation becomes more complicated. If you were hurt in an accident caused by an uninsured motorist, you may need to bring a claim against your own insurance company to obtain compensation.

Car Accidents Caused by Motorists Without Insurance

Driving without car insurance in Illinois is unlawful. If caught, a driver without state-required liability insurance may be fined up to $4,500 and have his or her driver’s license suspended. Driving while uninsured also puts a substantial burden on anyone who suffers injury or property damage in an accident caused by the uninsured driver. If you or a loved one were hurt in a car accident and the other driver does not have insurance, you may be worried that you will be on the hook for all of the expenses incurred in the accident. You may be facing expensive medical bills, property damage, lost income from missed work, and other costs. Fortunately, you may be able to bring a claim against your own insurance company to recoup the costs caused by the accident.

Uninsured/Underinsured Motorist Coverage

Illinois car insurance companies must offer specific coverage for situations exactly like the one you or your loved one is facing. If you have “full coverage” car insurance, you also have uninsured/underinsured motorist coverage (UMI). To recover compensation for an accident caused by an uninsured driver, you will need to file a claim with your own insurer. This process is not always as straightforward as it may seem, however. Many insurance companies offer payouts that do not cover the full extent of the injured person’s damages. A personal injury lawyer can help you with the claims process and negotiate with the insurance company on your behalf. If a reasonable settlement cannot be reached through negotiations, you may need to file a lawsuit.

Lake County Uninsured Motorist

If you were in a car accident and the at-fault party does not have insurance, you may still be able to recover financial compensation. For help, contact an experienced Waukegan car accident attorney at Salvi & Maher, L.L.C. Call our office today at 847-662-3303 and schedule a free, no-obligation consultation.

Source:

https://budgeting.thenest.com/fines-driving-insurance-illinois-24420.html