Despite the fact that Illinois has mandatory liability insurance for drivers, there continue to be situations where uninsured or underinsured drivers cause auto accidents. Uninsured motorist coverage is required in Illinois (215 ILCS 5/143a), and is there to protect you if an uninsured driver injures you in an auto accident. While the injured person could pursue the at-fault party to recover compensation for his or her injuries, the reality is that most uninsured drivers do not have tangible assets to collect from (But see Question 17).
Therefore, a person injured by a party without any insurance may pursue a claim for damages with their own car insurance company. Referred to as an uninsured motorist case, the intention is to provide the injured person with compensation for their injuries and resulting damages as though they were involved in an incident with a fully insured party. Other times, the at-fault driver has insurance, but it is minimal and may not cover the cost of the accident. In a case like this, the at-fault driver is underinsured, and your uninsured motorist policy could be used to cover the outstanding damages.
There are some differences with uninsured motorist claims that must be addressed in order to satisfy the terms of your policy. Therefore, it is best to talk with an attorney before filing a claim.
Other Benefits Likely Included in Your Illinois Auto Policy
In addition to having coverage for under-insured and un-insured motorist accidents, your policy likely also includes coverage for medical payment coverage. Medical payment coverage provides for you or a passenger in your vehicle to receive reimbursement for medical expenses related to injuries sustained in a crash. Depending on the language in your insurance policy and the circumstance of the crash, you may be responsible for reimbursing these payments if you recover compensation from a third party.
Get Help Today For Car Accident Injuries
At Rosenfeld Injury Lawyers, 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 where there is only a legal fee charged when there is a recovery for you.
For additional information see the following pages:
- Do I need to give a statement to an insurance company following an auto accident where I was injured?
- How long do you have to file a lawsuit for personal injuries related to a car accident arising in Chicago, IL?
- How long does it take to settle an Illinois car accident case involving injuries?
- How much does it cost to hire a lawyer to represent me in a personal injury case arising out of an Illinois auto accident?
- I was told the driver of the vehicle I was involved in an accident with had full coverage. What does that mean?
- I was unable to work for several months following my car accident; can I recover my lost wages?
- If the car was owned by a company, is the company responsible for paying my personal injuries?
- Is car insurance mandatory for drivers in Illinois?
- My health insurance company said they have subrogation rights related to my auto accident case. What does that mean?
- Can I pursue a claim on behalf of my son against my husband?
- My surgeon wants to put a lien on my car accident case. What is he doing?
- The driver I was involved in an accident with pleaded guilty in traffic court. What does that mean?
- The driver of the vehicle who caused my Chicago car accident was arrested for DUI. Can a claim be pursued for punitive damages?
- What type of monetary damages does the law provide for in automobile accident cases in IL?
- Why is the car insurance company denying my claim for property damage and medical expenses?