Being in a hit and run accident can be a terrifying, damaging and painful experience. Finding out after the fact that the driver was uninsured can be a devastating, frustrating headache.
An uninsured driver is someone who does not carry car insurance, or whose car insurance has lapsed. In Illinois, there are laws that require drivers to pay for or carry state-mandated mandatory minimum liability requirements.
Hit-and-run drivers are often found to be uninsured, as are those involved in DUI’s, or have a history of insurance violations. There are also drivers who are underinsured. In this situation, the driver may have had insurance that met minimum Illinois insurance requirements, but did not have a high enough liability limit to cover the damage caused by the accident. It may seem as if there is no way to get back on your feet again immediately after the incident. When looking at a stack of bills and searching for answers, speaking to an experienced Illinois attorney can offer some peace of mind.
Car accident costs are unknown, and could last for years after the accident. If you, a loved one or passenger was injured by a reckless driver, even if that driver has insurance for the legal minimum, it might not be enough to adequately compensate you for your injuries or long term costs.
File for Uninsured Motorist Claim
In the event that you or a loved one was injured or involved in an accident with a driver who cannot be identified or found (such as a hit-and-run) or someone who does not have automobile insurance, you have the option to file an uninsured motorist claim.
Car accidents happen every day and often are caused by drivers behaving in a negligent or a reckless manner. Drivers may sometimes flee the scene of an accident without producing their license and insurance information, leaving you to clean up the mess. Should you choose to file an uninsured motorist claim under your policy, your insurance company is required to treat you fairly and in good faith. If they do not, you have the option to file a claim against them for bad faith insurance practices.
We Want to Hear Your Story
If you would like to speak to one of our experienced Personal Injury Attorneys in Chicago Illinois, we are ready to take your call. The sooner you can tell us your story, the sooner you can get some answers and get back to rebuilding your life. Contact us now.