What if the Driver Who Hit Me Did Not Have Car Insurance?

 Posted on February 18, 2022 in Car Accidents

Auto insurance is mandatory in Illinois. Unfortunately, some people ignore the law and drive without insurance. In most car accidents, the at-fault driver’s insurance company pays for vehicle repair and other damages. If you were in a crash with an uninsured driver, you may be worried about what will happen. Will you get compensation for vehicle repair or replacement costs? What about your medical bills resulting from your injuries? Fortunately, individuals in this situation have options.

Accidents Involving Uninsured and Underinsured Drivers

Being in a car crash is already bad enough. Finding out that the person who hit you does not have enough insurance to cover the costs, or worse, has no insurance at all can be devastating. You may be worried that you will be on the hook for these expenses. However, you may be able to get compensation from your own insurance company. Uninsured/underinsured motorist coverage is designed for this exact situation. If you have liability coverage, you should have uninsured/underinsured motorist coverage. Unfortunately, getting the insurance company to properly compensate you may be harder than it should be. Insurance companies often try to avoid paying car accident victims what they deserve. This is why you need a skilled car accident injury attorney to represent you during the claim process.

Third-Party Personal Injury Claims

Car accidents are often complex. The actions of multiple parties may have contributed to your wreck. If another party was partly at fault for the crash, you may be able to bring a personal injury claim against that party. For example, if the driver was intoxicated, you may be able to bring a claim against the bar or restaurant that provided the driver with alcohol under dram shop liability laws. If the vehicle contained a defective part, you may be able to bring a claim against the company that designed, sold, or manufactured the defective part.

There are many options for people who are injured in crashes caused by uninsured drivers. Contact a car crash injury lawyer to discuss your options and get started.

Contact a Bloomington Car Accident Attorney

If you were hurt in a crash caused by a driver without auto insurance, do not lose hope. You may still be entitled to compensation for your vehicle repair or replacement, medical costs, and other damages. The skilled Springfield personal injury lawyers at Kanoski Bresney understand what you are going through. We can help you evaluate all of your options for seeking financial compensation and advocate on your behalf throughout your case. Call 888-826-8682 for a free consultation.

Source:

https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K143a-2