What happens if you are injured in an accident that was caused by a negligent driver who is uninsured? This may sound like a worst-case scenario, but despite the fact that it is illegal to drive a vehicle without auto insurance, Illinois has many uninsured drivers still on the road.
In most auto accidents, the at-fault driver’s insurance is responsible for paying compensation for personal injuries, at least up to the amount of personal injury coverage on their policy. Injuries that exceed that amount can often be litigated by an attorney, who will work to be sure the injured party is fairly compensated.
But when the driver is uninsured and has no money, which is usually the case, what should you do? Seek legal help. Don’t assume the situation is hopeless.
Your insurance may cover you if your policy includes uninsured motorist coverage. However, uninsured motorist coverage is not a requirement by Illinois law; it is an add-on you must select when you purchase your policy. You can also elect to purchase underinsured motorist coverage, which would pay damages that exceed an at-fault driver’s insurance policy coverage.
If you do not have uninsured motorist or underinsured motorist coverage, the situation still may not be hopeless. Your attorney can research all options to obtain compensation for you. This may include a thorough investigation of the accident. In some cases, there may be more than one factor determined to be the cause of the accident. This could prompt additional liability claims against other parties.
Suffering with injuries and medical issues in the aftermath of an accident is difficult enough. Finding out there is no insurance to help you pay for your medical treatment, property damages and other expenses is an added burden. Let a personal injury attorney take the added burden from you. It is usually at no cost to you unless they are able to obtain compensation for you.