Under Illinois law, all motorists are required to carry a certain amount of liability insurance that will cover them in the event of an accident. Unfortunately, many drivers feel as though they cannot afford this insurance, and so, they simply drive without it. If you are in an accident with an uninsured driver, the aftermath of a crash will become even more complex. While it may seem as though you do not have any options to recover compensation, that is not the case. You probably have coverage for this type of accident and do not even know it.
Many people are aware that they must carry a certain amount of liability insurance, but they do not realize that they are also covered by uninsured motorist coverage. In Illinois, all drivers are required to carry a minimum amount of uninsured motorist coverage. The minimum amount required is $25,000 per person and $50,000 per accident. If you purchase higher limits of uninsured motorist coverage, you can also purchase higher limits of uninsured motorist coverage.
This coverage is likely the first way you will try to recover damages after an accident with an uninsured motorist. Typically, you must go through the negligent driver’s insurance when they cause a crash and you become injured. When the other driver did not carry the proper insurance, you can go through your insurance policy and claim the uninsured or underinsured motorist coverage.
Car accidents have the potential to cause catastrophic injuries. Paralysis, amputations, and traumatic brain injuries are just a few injuries you may sustain during a crash. Even broken bones will require surgery to correct and may result in multiple hospital stays. Any medical treatment you receive after a crash may be very expensive, and your uninsured or underinsured motorist coverage may not fully cover the cost of your injuries. When this is the case, you may choose to file a claim against the uninsured driver.
Unfortunately, recovering damages from an uninsured driver is typically quite difficult. If a driver could not afford to carry the minimum amount of auto insurance, they may not be able to afford paying your damages out of their own pocket, either. This is one reason it is so important to work with a car accident lawyer that can fully explain your options and help you recover the damages you need.
Being involved in a car accident is always stressful, but when the negligent driver does not carry the proper insurance, it becomes even more complex. At Brassfield, Krueger & Ramlow, Ltd., our Streator car accident lawyers know you deserve compensation even when the liable driver did not carry proper insurance, and we know how to get it. Call us today or fill out our online form to schedule a free case evaluation and to learn more about the options available to you.
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