Making an Insurance Claim After an Accident with an Uninsured Driver

 Posted on December 00, 0000 in Car Accidents

Getting into a car accident is stressful enough, but what happens when there is an uninsured driver involved? Every car owner is required by law to have a certain coverage of liability insurance, however, one out of every eight drivers attempts to avoid responsibility. They may go unnoticed on the road until they are pulled over, or get into a car accident. An uninsured driver may have even had the proper insurance at one time, but canceled due to financial reasons. But, no matter the reasons, it is still possible to get into an accident with an uninsured driver.

What Are the Insurance Requirements in Illinois?

Every state has his or her requirements for the amount of coverage an insurance policy has. Illinois has the following minimum requirements:

• Property damage: $20,000
• Death or injury of one person: $25,000
• Death or injury of more than one person: $50,000

Car liability insurance helps drivers by covering the expenses of the other parties involved in the accident. Although these are the minimum requirements, it is recommended to purchase a higher amount in case of an accident to protect yourself. Some insurance companies offer additional coverage specifically for uninsured motorists.

A person without auto insurance may encourage you not to call the police or file the accident with your insurance. However, you should treat an accident with an uninsured driver like any accident. The police will file an accident report, which in turn will help you with the insurance claim. An uninsured driver may even try to bribe you with money, but their lack of responsibility should not interfere with your duty to call the police or speak to your insurance company in the event of an accident. Even if a driver does not have insurance, collect their contact information, and offer your insurance information.

With Illinois being a fault state, the person who caused the accident bears the responsibility. When a person has auto insurance, the insurance company will assist with this burden. However, an uninsured driver is responsible for their property damage and medical bills, as well as the victims’ of the accident.

Contact an Orland Park Car Accident Attorney

When it comes to getting into an accident with an uninsured driver, insurance claims are rarely cut and dry. When an uninsured driver is being negligent, you still deserve compensation for pain and suffering after an accident. Contact an experienced Illinois car accident attorney today to discuss your case. Set up a free consultation by calling our office at 708-966-2408.

Sources:

https://www.cyberdriveillinois.com/departments/vehicles/mandatory_insurance.html