Hit by a Driver Who Wasn’t Insured? Our Uninsured Motorist Attorneys Can Help

Our uninsured motorist attorneys have seen an uptick in injury cases involving drivers without auto insurance in recent years. In fact, it is estimated that more than 13% of Illinois drivers are driving without state required liability insurance. Countless others carry only the minimum coverages required by law. Uninsured drivers and those who do not carry enough insurance put other motorists at risk of having uncompensated losses if a crash occurs. If you were injured in a hit-and-run accident, or you were hit by a driver who did not have adequate insurance to cover your medical bills and lost wages, our accident lawyers can help you file a claim against your own insurance company to recover compensation.

Let Strom Yen Injury Attorneys help you recover. Contact our uninsured motorist attorneys online or call (312) 374-6626 to schedule a free consultation.

Minimum Auto Insurance Requirements in Illinois

Liability coverage is designed to compensate accident victims for the expenses that often accompany a motor vehicle crash. At-fault policyholders and their vehicles are not covered. All drivers in Illinois are required to maintain specified amounts of liability coverage. These include:

Bodily Injury

Illinois requires drivers in the state to maintain a minimum of $25,000 in bodily injury coverage for injuries or death to one person, and at least $50,000 in bodily injury coverage per accident, if multiple people are injured or killed. This coverage is intended to pay for the victim’s medical bills, pain and suffering, and lost wages. It is common, however, for a single victim to rack up tens of thousands in medical bills alone after a severe car accident.

Property Damage

Illinois drivers are also required to maintain at least $20,000 in liability coverage for property damages caused by car accidents. Considering the price of newer vehicles these days, this amount of coverage is inadequate. It often takes thousands more to cover the cost of a replacement car or truck if a victim’s vehicle is totaled.

Uninsured Motorist

Uninsured motorist coverage, which covers accident injuries caused by uninsured drivers and hit-and-run accidents, is also required in Illinois. Drivers must carry limits of at least $25,000 for injuries to one person, and $50,000 for injuries to multiple people. Damage to the victim's vehicle and other property is not covered unless additional coverage is purchased.

Our Uninsured Motorist Attorneys Offer Solutions to Help You Recover

When you are in a car accident and the at-fault driver’s liability insurance is inadequate, nonexistent, or the driver leaves the scene, filing a claim against your own uninsured or underinsured motorist policy may not provide you with enough financial relief to pay for your economic and non-economic losses.

Fortunately, various legal options may be available to help you recover compensation for your medical bills, lost wages, and pain and suffering. If another party was at least partially responsible for your car accident, our uninsured motorist attorneys can help you identify additional ways to recover compensation.

Filing a third-party personal injury claim or lawsuit may be in order.

Recovering Compensation from Responsible Third Parties

Suing an Employer

Did a pizza delivery driver cause your crash? Were you in an accident with a utility truck driver? If the at-fault driver who caused your car accident was performing the duties of his or her job when the crash occurred, you may be able to file a lawsuit against the person’s employer to cover your medical bills and other losses.

Extraneous Factors

Was your car accident caused by defective vehicle parts, a faulty GPS system, malfunctioning traffic signals, a missing sign, potholes in the city streets, or debris in the roadway? You may be able to sue a defective product manufacturer, a property owner, a road construction crew, or a government entity for damages. Additionally, if the bar served the at-fault driver too much to drink, the business may also be able to be held liable.

Uninsured Truckers

Were you injured in a truck accident caused by an uninsured trucker? If the driver’s negligence was responsible for your crash, you may be able to sue the truck driver or the trucking company. If other contributing factors caused the wreck, you might need to file a claim or lawsuit against a truck parts manufacturer, a shipping company, or loaders to recover compensation for your economic and non-economic losses.

Using MedPay Insurance to Recover Compensation

Although your own collision insurance policy only covers property damage to your vehicle, other types of policies might pick up the tab for your medical bills. If you purchased MedPay insurance coverage in Illinois, for instance, your policy can help pay for accident-related medical bills for you, family members who are driving your car, and your passengers, no matter who was at fault for the crash. Since MedPay follows the policyholder, your coverage remains active whether you are a pedestrian or bicyclist who was hit by a car, riding in a friend’s car, or using public transportation.

Why Do Drivers Leave the Scene of Accidents?

Common Injuries Seen by Chicago Uninsured Motorist Lawyers

Our uninsured motorist lawyers see a wide range of injuries that are caused by uninsured motorists, underinsured motorists, and hit-and-run accidents. Some of the most common include:

“I’d honestly refer this business company to many of my friends and family member’s, they’re very hardworking people. My lawyer is Kevin Yen and HE IS THE BEST!!!!!!! If you need a great lawyer I’d say go with Him, he is really amazing.!”

~ Aaliyah Rios

FAQs About Uninsured/Underinsured Motorist Accidents in Chicago

Who pays for injuries caused by a hit-and-run accident if the at-fault driver cannot be found?

If you were injured in a hit-and-run accident and the at-fault driver cannot be found, you can file a claim against your own uninsured motorist coverage to recover damages up to the limits of your policy.

Can I collect workers’ compensation benefits if I was hit by an uninsured driver?

If you were performing the duties of your job when you were hit by an uninsured driver, you can collect workers’ compensation benefits to help cover your medical bills and replace a portion of your lost wages.

Do I need uninsured motorist coverage if I have collision and comprehensive?

You still need uninsured motorist coverage if you have collision and comprehensive coverage, because comp and collision only pay for the damages caused to your vehicle. Those types of policies do not cover bodily injury.