You can do everything in your power to be a responsible driver and carry the necessary car insurance coverage, but there are still many drivers out there who neglect to do the same. An uninsured driver is one who:
- never had valid car insurance at all;
- has an expired insurance policy;
- had their policy canceled because of non-payment of premium; and/or
- was excluded from coverage on the policy.
If you find yourself in a car accident with a driver who fits any of these criteria, you will need to rely on your uninsured motorist coverage to pay for your damages.Your uninsured motorist coverage also protects you when your car accident is a case of hit-and-run. Because the other driver cannot be contacted, Illinois state law assumes they were uninsured and allows you to recover damages from your own uninsured motorist coverage. Filing this type of claim can be tricky and in some cases, insurance companies will drop claims that did not involve the absent vehicle striking your own.There are many other nuances and factors that go into car accident claims involving underinsured and uninsured motorist coverage. To make the most sense out of these claims, you should contact an experienced Chicago personal injury lawyer. An experienced Chicago injury lawyer at The Law Offices of Barry G. Doyle, P.C. is available to assist you in filing your car accident claim and help with recovering compensation for your wage loss, medical bills and more. Contact us today for a free case evaluation. (312) 263-1080