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Steps to Take When the Other Driver Doesn’t Have Insurance in illinois

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Posted on December 20, 2023

You are in a car accident and now have medical bills and ample pain and suffering. What you did not know when you got into the car that day is that you would be hit by someone who does not have adequate insurance to cover the losses you now have. These are the steps to take when the other driver does not have insurance in Illinois, and they are responsible for your losses. Be sure to talk to a Springfield car accident attorney from Holley Rosen & Beard Attorneys at Law.

Determine if the Driver Does Not Have Insurance

Do not believe that the other driver does not have insurance simply because they say that. Some may simply not want to report the incident to their insurance company. The best way to do this is to let your car accident attorney at our office verify their lack of coverage using their license plate number.

Claim the Car Accident Under Your Coverage

Once you verify they really do not have insurance, you can file a claim with your own insurance company if you have an uninsured motorist policy. This means that your insurance company will help to cover the losses you have up to the policy limits. Illinois law requires that uninsured and underinsured coverage be provided through your car insurance. In other states, you may have to purchase a separate policy.

This insurance company will likely try to seek compensation from the responsible driver to recoup their losses. However, remember that they may also try to lower the compensation you receive. For that reason, avoid settling your case without speaking to your car accident attorney from our firm first.

Seek Out Compensation from the Responsible Party

Even if they do not have insurance, they are still responsible for the losses they have caused to you. As such, you can file a lawsuit against them to recover those losses from their estate. You can do this if they do not have any insurance coverage for any value not covered by your own uninsured motorist insurance policy.

The key here is to know that you may be able to obtain compensation, and sometimes, there are even third-party people who may also be responsible for the losses you have. That is especially true, for example, if you are in a rideshare accident or an accident with a truck. Make sure you fully understand who is responsible for your losses in your case.

Let Our Car Accident Attorneys Go to Work for You

Set up a free initial consultation with Holley Rosen & Beard Attorneys at Law to discuss your case. Let us help you with each of the steps to take when the other driver does not have insurance in Illinois to recover your losses. We are happy to answer your questions and guide you in obtaining compensation for the losses you have.

Do not assume you will get fair treatment from the insurance company. Call our car accident attorneys instead for help recovering the losses you have from an accident someone else caused you.