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IL accident lawyerCar insurance is required by law, but unfortunately, that does not stop many drivers from driving without insurance. Typically, when a driver causes an accident, his or her insurance company is responsible for covering the costs incurred by that accident. If the driver does not have insurance or has too little coverage, the situation becomes more complicated. If you were hurt in an accident caused by an uninsured motorist, you may need to bring a claim against your own insurance company to obtain compensation.

Car Accidents Caused by Motorists Without Insurance

Driving without car insurance in Illinois is unlawful. If caught, a driver without state-required liability insurance may be fined up to $4,500 and have his or her driver’s license suspended. Driving while uninsured also puts a substantial burden on anyone who suffers injury or property damage in an accident caused by the uninsured driver. If you or a loved one were hurt in a car accident and the other driver does not have insurance, you may be worried that you will be on the hook for all of the expenses incurred in the accident. You may be facing expensive medical bills, property damage, lost income from missed work, and other costs. Fortunately, you may be able to bring a claim against your own insurance company to recoup the costs caused by the accident.

Uninsured/Underinsured Motorist Coverage

Illinois car insurance companies must offer specific coverage for situations exactly like the one you or your loved one is facing. If you have “full coverage” car insurance, you also have uninsured/underinsured motorist coverage (UMI). To recover compensation for an accident caused by an uninsured driver, you will need to file a claim with your own insurer. This process is not always as straightforward as it may seem, however. Many insurance companies offer payouts that do not cover the full extent of the injured person’s damages. A personal injury lawyer can help you with the claims process and negotiate with the insurance company on your behalf. If a reasonable settlement cannot be reached through negotiations, you may need to file a lawsuit.

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Lake County personal injuryWhile it is prudent to have insurance at all times to protect yourself and others when you are out driving in the event of a motor vehicle accident, some people end up driving vehicles that are uninsured or do not have adequate insurance. One of the worries or concerns immediately following an accident is who will be responsible for the damages caused by the accident or which insurance policy will cover the damage or loss suffered, including personal injuries.

Protecting Against Uninsured Motorists

Under Illinois law, all insurers are required to offer uninsured motorist insurance as well as coverage for underinsured drivers. This means your own insurance policy typically provides protection against damages or injuries caused by a negligent uninsured or underinsured driver.

If you are involved in an accident caused by an uninsured or underinsured driver, and that driver is at fault, you have rights to seek compensation for any damages, injuries or loss suffered from the accident. You exercise these rights by filing a claim, which can be time-consuming and demanding as to specific requirements and complying with various timelines, if the claim is to be successfully considered.

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Illinois personal injury lawyer, Illinois wrongful death attorney, Illinois car accident lawyer,Every driver in Illinois is required to have car insurance before they take their car out on the road. However, not every driver follows the rules. What happens when a driver who doesn’t have insurance, or who doesn’t have enough insurance, causes an accident? You need to understand how your uninsured or underinsured motorist coverage works.

The Realities of Liability and Insurance

In Illinois, drivers are not only required to carry insurance, but specifically uninsured motorist coverage for bodily injury and underinsured motorist coverage for bodily injury. This means that even if a driver who does not have insurance hits you, you may be able to make a claim with your own insurance company.

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