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I Don't Understand why my Car Insurance Needs to Pay for Injuries I Sustained When Another Person Caused the Accident

I Dont Understand Why My Car Insurance Needs To PayBecause the other driver may be uninsured or underinsured, or their insurer might be challenging the issue of fault.

Despite the fact that Illinois mandates auto liability insurance for motorists, there continue to be situations where uninsured or underinsured drivers cause accidents. Uninsured motorist coverage is required in Illinois (215 ILCS 5/143a) and protects you if an uninsured driver injures you in an auto accident. Other times, the at-fault driver has insurance, but it is minimal and may not cover the full cost of the accident. While the injured person could pursue the at-fault party in a civil suit to recover compensation for his or her injuries, the reality is that most uninsured and underinsured drivers do not have tangible assets to satisfy a judgment.

Consequently, a person injured by a driver with no insurance or inadequate insurance may pursue a claim for damages with their own car insurance company through their uninsured motorist coverage. This is a way of providing the injured person with the same compensation for their costs as they would receive if they were involved in an accident with a fully insured party.

There are unique issues involving uninsured motorist claims that must be addressed in order to satisfy the terms of your policy. Therefore, it is best to consult an attorney before filing a claim.

In addition to providing coverage for underinsured and uninsured motorist accidents, your policy likely also includes coverage for medical payments. Medical payment coverage allows you or a passenger in your vehicle to receive reimbursement for medical expenses related to injuries sustained in a crash.

When the Other Party’s Insurer Withholds Payment

Sometimes, even when the other party is fully insured, their insurer will initially deny or delay payment to you because they are either disputing which driver was at fault or claiming that you were partly or mostly responsible for the accident. In Illinois, if an injured party is found to have contributed to the cause of an accident, it can bar them from recovering damages or greatly reduce the amount they can recover. In such cases, your insurance company would be on the hook for your medical bills until the issue of fault is ultimately resolved by a court.

Depending on the language in your insurance policy and the circumstance of the crash, you might be responsible for reimbursing your insurer for these payments if you eventually recover compensation from an at-fault third party.

Get Help Today for Your Car Accident Injuries

At Rosenfeld Injury Lawyers LLC, our Illinois car accident attorneys are available anytime to discuss your case with you. If you are unable to make it to our main office in downtown Chicago, we will come meet you at your home or hospital. As with all of our personal injury cases, we work on a contingency fee basis so there is only a legal fee charged when we obtain a recovery for you. Call us today to get started on the road to receiving the compensation you are owed.

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Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa