Who Pays if the Other Driver Has No Insurance?

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High Rate of Uninsured Drivers in Illinois

According to the most recent statistics, more than 8 million licensed drivers are in Illinois. Although drivers must show proof of insurance to register their car, they can cancel it shortly after. As a result, more than 13 percent of Illinois drivers are uninsured.

Those who are insured may need more insurance coverage to pay for even moderately severe injuries. The mandatory liability insurance law requires drivers to have coverage of just $25,000 per person and $50,000 per accident. If you were severely injured, that amount is woefully inadequate. An overnight hospital stay can cost tens of thousands of dollars. 

Challenges in Enforcing Insurance Requirements

One unfortunate statistic is that drivers without insurance seem more accident-prone than those with insurance. Uninsured motorists are 72 percent more likely to be in an accident than insured ones.

Uninsured drivers are discovered primarily when they are stopped for a moving violation. If they do not have proof of insurance, they may be fined up to $1,000 and have their registration and driver’s license suspended.

Illinois is attempting to enforce the insurance requirement by sending approximately 300,000 random annual audit letters requiring people to show proof of insurance. If they fail, their registration and driving privileges can be suspended.

Types of Accidents for Which You Can Collect Under Your Uninsured Motorist Policy

Not all accidents involving uninsured motorists are covered. If another vehicle cuts in front of you, causing you to run off the road and have an accident, like hit a tree, roll your car, or land in a ditch, for example, but the other car had no physical contact with your vehicle, there is no coverage.

You are covered under the following circumstances.

  • A hit-and-run driver hits you.
  • Another driver who did have physical contact with your car was at fault for the accident.
  • You were hit while driving a car you don’t own or were traveling as a passenger in another vehicle, and the driver at fault for the accident has no insurance.
  • If you are hit while a pedestrian is crossing the street, the accident was the vehicle driver’s fault.

Collecting from Your Own Insurer Under Your Uninsured Motorist Coverage

You will be insured under your policy if you have been a responsible driver and kept up your insurance. Illinois requires uninsured motorist coverage to be part of every auto insurance policy. The standard required amount of uninsured motorist coverage is the same as the minimum requirement for your liability coverage: $25,000 per injured person and $50,000 if more than one person is injured.

If you do not want that much coverage, you must sign a document stating that you voluntarily chose to reduce the amount of uninsured motorist coverage. I strongly suggest you have as much liability and uninsured (and underinsured) motorist coverage as possible. Your minimum coverage should be at least $100,000.

It is a much better strategy to increase the amount of your coverage instead of decreasing it. Medical bills pile up quickly. If you are injured so severely you cannot work, money worries may haunt you since you will be unable to keep up with your regular bills. Although $25,000 might sound like a lot, it is exhausted relatively quickly when used to pay hospital and medical bills.

As with almost all insurance claims, insurers can be challenging when collecting your uninsured motorist claim. You must prove that the accident was the other driver’s fault for your coverage under your policy to apply. Your insurance company becomes your adversary when you file a claim, not your advocate. It would be best if you had an advocate.

Do Insurance Companies Go After Uninsured Drivers?

It is not uncommon for an insurance company to pursue an uninsured driver after an accident. They usually do this by contacting the driver’s insurance provider and asking them to file a claim on their behalf.

Uninsured drivers are responsible for about 30 percent of all auto accidents. Insurance companies use several methods to find out who is driving while uninsured. They may check driver’s license records, run car registrations through databases, contact local police departments, or ask customers directly. If caught driving without insurance, you could face fines of up to $1,000 and jail time.

Consult an Attorney

It would be best to take advantage of a free, no-obligation consultation with an insurance attorney familiar with the legal intricacies of proving who was at fault for the accident, establishing your damages, and dealing with insurance companies for uninsured motorist claims.

I authored the eBook “Uninsured, Hit-and-Run, and Underinsured Motorist Coverage in Illinois,” which you can download for free. We would be happy to help you with your major underinsured or uninsured insurance claim if you are in Illinois. Let us fight for you to get the compensation you deserve.

You can concentrate on recovering from your injuries while our law firm obtains the best possible settlement on your behalf. Email us at [email protected] or call or text for a no-obligation free consultation (312)766-1000.

FAQs – Uninsured Drivers

What if an uninsured driver flees the scene of the accident?

If a driver who doesn’t have insurance leaves after causing an accident, it’s known as a hit-and-run. Unfortunately, hit-and-runs are against the law and can have serious consequences. Time is of the essence in these situations, so it’s crucial to get in touch with the police immediately. They will launch an investigation and may be able to identify the person that caused the accident.

What if I don’t have uninsured motorist coverage?

If you don’t have insurance coverage, you may have to pay the costs associated with the accident. It’s possible to pursue compensation from an uninsured driver, but this can prove difficult if they don’t pay for the accident. Uninsured motorist insurance coverage is recommended to mitigate potential financial liabilities in the event of an accident.

Can I file a claim if the uninsured driver is found to be at fault for the accident?

You can file a claim if the other driver is responsible for the accident. However, receiving compensation may prove complicated if the uninsured driver needs more financial means to cover the damages and injuries. It’s best to have adequate insurance coverage.

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