Yes. The Illinois legislature requires all drivers to carry liability insurance coverage of at least $25,000 per person and $50,000 per incident, as well as $15,000 for property damage. 625 ILCS 5/7-601. A driver failing to furnish such insurance coverage may have their license suspended. 625 ILCS 5/7-601, (from Ch. 95 1/2, par. 7-601). Illinois also requires that all drivers have uninsured motorist coverage that is equal to your policy’s injury liability coverage. 215 ILCS 5/143a.
Additionally, oftentimes cars that are financed are required by finance companies to have comprehensive (covers property damage from other causes than a collision, such as theft or vandalism), and collision insurance (covers property damage from a collision). However, Illinois law does not require this.
Frequently, drivers who caused a crash do not carry sufficient liability coverage to compensation a seriously injured person for his or her injuries. In these situations, the injured party may have the right to pursue an under-insured motorist claim with their own auto insurance company. Filing such a claim could theoretically allow an injured party to recover full and fair compensation for their injuries and medical expenses.
Were you injured in a car accident with a driver who had minimal coverage?
Rosenfeld Injury Lawyers knows the difficulties individuals and families face when a driver causes a collision—yet does not have the insurance coverage necessary to fully compensate you for your loss. Our team of attorneys, paralegals and investigators will take the steps necessary to determine what coverage was in place at the time of a crash as well as evaluate if you may be entitled to pursue a claim with your insurance company. Call our office today for a complimentary review of your case.
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 don’t understand why my car insurance needs to pay for injuries I sustained when another person caused the 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?
- 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?