Beyond satisfying one of the legal requirements to drive in the state, vehicle insurance protects you and others from losses in case of an accident. Despite the implementation of the state law requiring motorists to have liability insurance, there are still those who either do not have coverage or have a policy that does not provide adequate coverage. If you were involved in an accident with an uninsured driver, the lack of coverage could bring added worry to an already stressful situation.
Fortunately, you may have the right to receive compensation if an uninsured driver is at-fault for your injuries. At Ben Crump Law, PLLC, a Chicago uninsured car accident lawyer can determine whether you have a claim and answer any question you may have about your case. Call us today at 800-959-1444 for a free legal consultation.
How an Uninsured Driver Can Affect Your Claim
When you are involved in a car collision, you assume that insurance would take care of the damages. Once you find out that the other motorist does not have insurance, your next logical step would be to file a claim against the driver; however, this does not guarantee that you will be able to receive enough compensation to cover your losses. In such circumstances, you can opt to file an uninsured driver claim with your own insurer.
Under 215 ILCS 5/143a-2 of the Illinois Compiled Statutes, insurance companies provide uninsured motorist coverage with every policy. Nevertheless, there may be procedural hurdles, even with coverage that seems simple and straightforward. To correctly submit an uninsured driver claim, you’ll need to follow a specific set of guidelines. Consider seeking the assistance of a Chicago uninsured car accident lawyer who can deal with the insurance company on your behalf and help you complete all the requirements of the claim while you focus on your recovery.
For a free legal consultation with a uninsured car accidents lawyer serving Chicago, call 800-598-7557
Uninsured Motorists Remain a Major Concern in Chicago
It can be financially disastrous when an uninsured driver causes injuries, so Illinois made it mandatory for operators of motor vehicles to have uninsured motorist coverage. Still, some people choose to drive without insurance. This means there is a good chance you could encounter an uninsured driver. Although you may have uninsured motorist coverage, it might not be sufficient to pay for property damage unless it is in your policy.
When a driver has minimum liability insurance, it may not provide enough to cover property damage, medical expenses, lost earnings, and other losses. If you end up in a hospital, your coverage could quickly be exhausted, and you may need additional funds for future appointments, therapy, and other medical care services. In these instances, having insurance that is above the minimum makes a big difference in your financial obligations and quality of life, moving forward.
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What You Can Do If the Other Driver Is Uninsured
When you get into an accident with a negligent driver that has the minimum or no car insurance, it is unlikely that you will secure enough coverage for your claim. Your insurer may be the one to pay on the claim in place of the uninsured driver if you have uninsured motorist coverage. To ease the settlement process with your insurance company, your attorney can handle issues such as investigating fault, determining your costs and needs, calculating your expenses, and evaluating the available insurance coverage.
Another option aside from filing an uninsured motorist claim after an accident is to file a personal injury lawsuit against the responsible party. One example of a situation in which a third-party claim may arise is the event of a collision with a truck driver without insurance. Here, liability for your injuries and other losses may lie with the trucking company, truck manufacturer, shipping company, and others. Generally, you can file a claim against a driver’s employer if the driver hits you while on the job.
Regardless of your choice, a Chicago uninsured car accident lawyer can intervene on your behalf. Your attorney can present your case, review the police report, and seek fair compensation. Call Ben Crump Law, PLLC, at 800-959-1444 today, to learn more about your rights and discover legal options available to you.
Do Not Delay in Filing a Personal Injury Claim
If filing a lawsuit is the best course of action in your situation, you must initiate it within the required period after your accident. According to 735 ILCS 5/ of the Illinois Compiled Statutes of Limitations, you must file your claim within two years from the date of when you suffered your injuries. Otherwise, the statute of limitations will keep you from pursuing your case in court if you go beyond the deadline.
Take note that exceptions may apply, such as when you are below 18 years of age. Whatever your circumstances, a Chicago uninsured car accident lawyer can help you take legal action as soon as possible.
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If an Uninsured Motorist Hurt You, We Can Help
While an auto accident itself is already upsetting, finding out that the other driver does not carry insurance can cause further distress. When this has happened to you, you have the option to turn to a Chicago uninsured car accident lawyer for help with your case. You deserve to know whether you have a claim against your insurance company or the negligent driver, as well as the compensation for which you qualify.
To hear more about what we can do for you, speak with Ben Crump Law, PLLC, today at 800-959-1444. We offer a free, no-obligation case evaluation.