Car accidents are all terrible and inconvenient, but a hit and run may be one of the worst types of car collisions. Someone damages your vehicle, possibly injuring you, and then drives away leaving you with all of the consequences. In other accidents when another driver is at fault, you can contact their insurer to try and recover. But in a hit and run accident, there is no other driver to gather insurance information from. You are stuck looking to your own insurance to help you.
In Illinois, you are required to carry liability and property damage in case you hurt someone else or damage a vehicle in a car accident. These policies are not meant to fix your own car or pay for your own medical expenses. That means all you have left is the uninsured motorist coverage you’re also required to buy. But will your uninsured motorist coverage apply to the damages associated with a hit and run accident? Yes, many uninsured motorist policies cover hit and runs.
The purpose of uninsured motorist coverage is to cover your medical or property expenses – or both – when you are hurt in an accident that is not your fault. This situation normally arises when you are hit by another person who stays at the scene of the accident but turns out to not have auto insurance. However, a hit and run is just another type of accident in which you are hurt without being the cause of the damage and injuries.
However, exactly what and how much is covered by your uninsured motorist coverage depends on your specific policy. Illinois requires uninsured motorist personal injury coverage specifically. Carrying property damage coverage is optional.
Your policy limit also matters. You may have property and physical expenses above and beyond your uninsured motorist coverage policy limit. In this case, you will need to cover your additional expenses out of pocket.
If you were in a hit and run accident and need advice on how to move forward, call Staver Accident Injury Lawyers, P.C. right away. We can help you review your uninsured motorist policy, file any necessary insurance claim, and appeal if your claim is denied.
We can also help you investigate your accident, possibly finding the person responsible. If we can identify the person at fault for your accident, there is a chance you can recover from another insurer or take the person to court to cover your expenses.
Don’t wait weeks or months to get help after being hurt in an accident. You deserve to financially recover from the situation the best you can and as soon as possible. The attorneys of Staver Accident Injury Lawyers, P.C. have years of experience helping individuals like you who are affected by hit and run accidents.
Our car accident attorneys serve clients throughout the Chicago area, including Aurora, Elgin, Hinsdale, Joliet, Naperville, and Waukegan. Call us at (312) 236-2900 or contact us online to schedule a free consultation.