In Illinois, your insurance company is required to offer you uninsured motorist insurance, and this insurance should cover your damages, medical bills, and more.
A hit and run car accident should be a simple matter. In fact, you’re required to be offered the same amount of uninsured motorist coverage as you purchased in liability coverage, so if you purchased the recommended $100,000 liability insurance, you should be well covered for many car accident injuries.
When It Gets Complicated
However, it is often not so simple a matter. Insurance companies hate to pay claims, and with hit-and-run accidents, they have a ready excuse not to. Insurance companies will often claim that there was no hit and run. Instead, the accident was all your fault, and you hit something other than another car, maybe a light pole, tree, or traffic divider.
Proving the existence of a hit and run driver can be hard, especially when the impact with the car was minimal but caused you to lose control and strike another object. Even if you have paint or damage at the impact point, they may claim these are traces from old accidents, dings from car doors in parking lots, or anything other than evidence of a hit and run driver.