Car Accident Attorney Explains Uninsured Motorist Cases
If you were recently involved in a car accident, perhaps you are wondering whether you are eligible to receive damages if the other driver had no auto insurance coverage or carried 'sub-standard' coverage. Victims of accidents frequently have concerns about this when the other person has fled the scene of an accident. In Illinois, motorists should be aware that there are serious consequences for fleeing the scene of the accident.
First, those who flee the scene of an accident may face serious criminal penalties that result in incarceration. Fleeing the scene of an accident without providing information to the other driver is considered a Class A misdemeanor in Illinois. A fleeing motorist could face up to one year in jail and a fine of $2,500. Second, those fleeing an accident scene may have a license suspended.
Victims in accidents involving fleeing accidents should get in touch with an Illinois personal injury lawyer as soon as possible. Time is of the essence when you are dealing with a case involving fleeing motorists. An Illinois personal injury lawyer may have practical tips to offer you, such as snapping photos of the other driver’s license plate or writing down a description of the vehicle. Contact an Illinois personal injury lawyer today to receive immediate assistance with your uninsured motorist claim.Filling an Uninsured Motorist Claim
In some cases, you may already have the information of the other driver and find out that he or she does not carry auto insurance. Illinois does have laws that mandate all drivers have auto insurance within the state. However, some drivers fail to acknowledge this law and continue to use the roads without carrying the appropriate auto insurance.
An Illinois personal injury lawyer can help assess damages that may be available to you in this type of case. If you have “full coverage” under your insurance policy, then this also includes “uninsured coverage.” This means that you are protected in the event that another driver involved in an accident does not have auto insurance. Your own insurance company will be able to cover the extent of your damages under your policy.
When your uninsured coverage amounts to less than the total amount of damages that you have suffered, then it may be time to get a lawyer involved in your case. An attorney can investigate your case and may be able to locate the other driver or hold him or her personally accountable for damages that remain in your case.Maximizing Coverage for Uninsured Motorist Claims
There are two types of claims that you may file when another driver has no insurance or is underinsured. You may file an uninsured motorist claim, or you may file an underinsured motorist claim.
An uninsured motorist claim may be filed when the other driver does not have auto insurance, or the accident involves a pedestrian or cyclist.
An underinsured motorist claim may be filed when the damages that you have are much greater than the amount of coverage that you or the other driver has. If the other driver causes you to suffer medical expenses that far exceed the amount of coverage available, then you should file an underinsured motorist claim.Benefits of Filing an Uninsured Motorist Claim with an Attorney
An attorney can take much of the “guess-work” out of your attempt to obtain damages for the injuries that you have suffered. An attorney’s role may range from investigating the causes of your accident to attempting to locate the insurance information for the other fleeing driver of the scene of the accident. He or she may also attempt to see whether there are any video tape recordings available from a store, mall, light or other area in which an accident occurred.
Here are some of the benefits that you can enjoy when you get a lawyer involved in your case as soon as possible:
- Immediate investigation into the circumstances of your case
- A determination of the amount of coverage available to you
- An advocate who will negotiate with insurance companies on your behalf
- An advocate who will hold the other party accountable for any extra damages that you suffer
- Relief from having to obtain discovery documents and recordings on your own
If you feel overwhelmed after being involved in an uninsured motorist accident, then get in touch with Illinois motor vehicle accident lawyers. Our Illinois car accident attorneys at Rosenfeld Injury Lawyers LLC are here to help you in your time of need and provide you with support. We can research whether there are alternative ways to obtain damages when another driver is uninsured or underinsured.