All states, including Illinois, require that drivers carry auto insurance. Sadly, there are still situations in which you may experience a crash with an uninsured driver. For example, you might crash into someone who is driving a stolen car, or a person who is explicitly excluded from the vehicle owner’s policy. Do you have any recourse in such a situation? What can you do about your medical bills? The following explores the answers to these questions, and more.
Assume Nothing of the Other Driver
Many people automatically assume that an uninsured driver is a “poor” driver - one who cannot afford to pay out for medical expenses, property damage, or other losses experienced by the victim. This is not always the case, however. The driver who hit you could have been a young teen with a history of driving recklessly, so their parents took them off the policy to avoid liability but can and do have the means to cover your losses. Or the person that hit you could have non-liquid assets that a judge might consider sell-worthy to cover your expenses. Either way, talk to an attorney before you simply move forward with filing a claim against your own insurance company.
When All Else Fails
Not everyone can pursue damages from the uninsured driver after an accident. The person may not have any assets worth selling, or they may not even be a citizen. In such cases, your own insurance becomes the fail-safe. Hopefully, you have comprehensive and collision - but even if you do not, your insurance should at least cover the medical expenses. Even still, it is critical that you speak to an attorney. You might be surprised to learn what you can or cannot pursue compensation for, even when filing against your own insurance company.
How a Personal Injury Attorney Can Help
It might seem counterproductive to hire an attorney if you are filing against your own insurance company - after all, they have to pay out after all you have paid in premiums, right? Wrong. Many insurance companies - even those paying out to their own customers - work hard to discount their payout. This saves them money and increases their profits. So protect your rights, including your right to pursue fair compensation, and Mevorah Law Offices LLC. Dedicated and experienced, our Will County personal injury lawyers will fight for you and your loved ones.