The law in Illinois is that every driver must have liability insurance to cover them in the event that they are responsible for injuries resulting from a car crash. Unfortunately, not every driver carries the required insurance. When you are involved in a car accident with an uninsured motorist, you may be able to make an uninsured motorist claim through your own automobile insurance.
Uninsured motorist coverage is one of the coverages you obtain when you buy full coverage with your car insurance. It applies anytime that you or a family member is involved in an accident with an uninsured driver, even if you are not in the car at the time of the accident. For example, uninsured motorist coverage would apply if your child were struck by a hit and run driver who fled the scene.
In an uninsured motorist claim, your insurance company pays you the same compensation that you would have received if the at-fault driver had carried insurance. Your insurance company then has the option to try recover the money it pays to you for the injuries you suffered. However as a practical matter, it is virtually impossible to recover that money from the uninsured motorist. Essentially, you pay a premium for uninsured motorist coverage to make your insurance company assume the risk of not being able to recover from an uninsured motorist.
The requirements for making a claim for uninsured motorist benefits in Illinois are covered by the terms of your insurance policy, and can be quite demanding from a technical point of view. Therefore, it is often a wise idea to retain an experienced Illinois car accident lawyer to assist you in making a claim for compensation resulting from injuries caused by uninsured motorists.
The experienced Chicago car accident lawyers at the Law Offices of Barry G. Doyle, P.C. are ready to help you recover the compensation you deserve for injuries caused by uninsured motorists and hit and run drivers.