What Happens If I Am In An Accident and the Other Party Is Uninsured?
If you or one of your family members has been involved in an accident with an at-fault uninsured motorist, contact an attorney to seek compensation.
Insurance companies that insure Illinois state drivers are required by law to provide drivers with uninsured motorist coverage, as well as underinsured motorist coverage. The purpose of these types of insurance coverage is to make sure that an insured driver is able to recover for his or her damages and injuries in the event that he or she is involved in an accident with an uninsured, or underinsured individual. The insured individual can seek compensation from his or her own insurance company.
When the negligent driver has an insufficient amount of insurance to cover the amount of damage he has caused during an accident, the victim can file an underinsured motorist claim under his or her own insurance coverage. Similarly, when the negligent driver has no vehicle insurance, the victim can seek compensation by filing an uninsured motorist claim.
Uninsured motorist coverage applies to you, the policyholder, as well as your family members. The coverage is not limited to only vehicle accidents. You are also covered if an uninsured motorist strikes you while you are walking, biking or riding on a motorcycle. So long as you are struck by an at-fault uninsured driver, you can seek to recover under your uninsured motorist coverage.
Even though you are not at fault for the accident, you need to seek compensation from your insurance company. Your relationship with your insurance company will change to an adversarial one when you file an uninsured motorist claim against them. This can make obtaining compensation from your own insurance company for uninsured motorist claims very challenging, but it is more likely than not worth your while. Remember, you have paid premiums to your insurance provider specifically to cover the cost of any injuries or property damage that results from an accident, including accidents involving uninsured parties.
You need to be compensated for your damages and/or injuries. Since the driver does not have the insurance coverage to compensate you, the only remaining alternative is to go after your own insurance company. The process is usually unpleasant, as insurance companies often require uninsured motorist claimants to jump through many more hoops than normal vehicle accident claimants. There are strict timelines to adhere to and filing requirements that can be difficult to wade through. It may be to your benefit to hire an experienced vehicle accident attorney to help you deal with your lawsuit against your own insurance company.
Contact a Chicago Vehicle Accident Attorney
If you or one of your family members has been involved in an accident with an at-fault uninsured motorist and would like to seek compensation for your injuries and property damage from your own insurance provider under your uninsured motorist coverage, please contact one of our experienced vehicle accident attorneys at Willens Law Offices today for a free consultation. It is easy to reach us either online or by telephone by calling 312-957-4166.