If you’ve been in a car accident, you know that even the most minor collision brings with it a host of expenses and inconveniences. You’ll have to call the police, make an insurance claim, tend to necessary auto repairs, and probably check in with a doctor. Serious damages mean you’ll be paying to rent a car, finding rides to work, and maybe shopping for a new vehicle. Worst of all, you could be seriously injured, unable to work, and with a stack of unpaid medical bills.
That all throws a huge wrench into your life, but what if you’re involved in an accident with an uninsured driver? Is there any hope of collecting the damages you need and deserve? Keep reading to find out more, and if you’ve been injured by an uninsured driver, contact the attorneys with Staver Accident Injury Lawyers, P.C. to discuss your case.
It is dangerous, irresponsible, and against the law to drive without insurance in Illinois. Even so, 13% of Illinois motorists are uninsured, and studies show that number is steadily increasing. When times are tight, monthly insurance premiums are among some of the first expenses to be cut, but unfortunately, that doesn’t mean everyone without insurance stays off the road. To cut corners, some motorists pay for insurance just long enough to register their car, and then allow coverage to lapse.
Legislators and law enforcement try their best to crack down on uninsured drivers, and first-time convictions can result in fines and an automatic three-month driver’s license suspension. Illinois drivers must carry minimum liability insurance in order to be in compliance with the law. Minimum coverage must include “at least $25,000 in coverage for bodily injury or death of any one person and at least $40,000 for the bodily injury or death of two or more people.”
If you’ve been injured due to another driver’s negligence, you’re entitled to receive damages to compensate your losses. The law entitles injured parties to collect for medical expenses, car repairs, lost wages, and pain and suffering. But if you’re injured by a driver without insurance, how will you ever be compensated? An accident with an uninsured motorist presents a number of challenges for injured plaintiffs, but there are some options.
Depending on the driver’s assets, you may be able to collect on a judgment against him or her personally. If you carry uninsured motorist coverage, you may be able to collect some damages from your policy. Your general liability coverage could also be a resource to recoup some of your losses, but insurance companies usually fight hard against paying out claims. It’s important to have a dedicated advocate on your side to help you get a fair settlement, even through the legal complexities of an uninsured motorist accident.
If you or a loved one has been injured in an accident with an uninsured driver, contact an Illinois injury attorney to discuss your case. Staver Accident Injury Lawyers, P.C. is ready to fight for you. Call us today at to schedule your free consultation.