Chicago Uninsured Car Accident Attorney

Accident with an Uninsured Motorist

uninsured-motoristAnyone who operates a motor vehicle on an Illinois roadway is required to have liability insurance coverage. Our state goes even further than other U.S. states in enforcing this legal requirement. As discussed by the Secretary of State, license plate registrations are randomly selected by computer. Those registered owners are required to provide insurance verification by a certain date, or their license plates are suspended.

Despite our strict laws and the enforcement efforts of the State, uninsured motorists cause accidents every day. If you have been the victim of such an collision, it is in your best interests to speak with an experienced car accident attorney. You may still have options under the law, and the ability to recover compensation for your losses.

At Sexner Injury Lawyers LLC, our distinguished Chicago personal injury lawyers have been representing injured people in Illinois since 1990. We are dedicated legal advocates who have built our reputation on professionalism, personal service, and attention to detail. You can rely on us for the high-quality representation your case deserves.

Compensation for Uninsured Motorist Accidents in Illinois

In the state of Illinois, insurance companies are required by law to include uninsured motorist coverage in an amount equal to the bodily injury liability limits with every auto insurance policy issued or renewed, unless specifically rejected by the insured party as provided in the statute. If your policy includes uninsured motorist coverage, it could be accessed to cover the damages sustained in a crash caused by an uninsured motorist.

Underinsured Drivers in Chicago and Car Accident Cases

In some cases, the driver who caused the accident may have the minimum liability insurance coverage required by law, but the policy limits are insufficient to cover the medical expenses of the victim when serious injuries are sustained. In such a case, your insurance policy may cover the difference, up to your own policy limits.

Dealing with two different insurance companies can be complicated. Our experienced uninsured motorist lawyers can interpret your policy to ensure you are getting the full benefit of your coverage, and deal with the insurance companies on your behalf.

Enforcing Compensation from Uninsured Motorists

Under the state Safety and Financial Responsibility Law, drivers who fail to carry liability insurance or assume financial responsibility for the accidents they cause will lose their driver’s license and vehicle plates. If you have suffered damages in an accident caused by an uninsured motorist, you can try to enforce compensation by first filing an accident report and then requesting that the Secretary of State suspend the uninsured driver’s license.

In some cases, taking this step may provide the motivation needed for the driver who caused your accident to muster the wherewithal to cover your losses. Not having a driver’s license makes it difficult to get around the city and earn a living. Another option is filing a civil lawsuit against the uninsured driver. However, many uninsured drivers are judgment proof due to lack of funds, and unable or to take financial responsibility, even when a driver’s license is at stake.

If you have been involved in a serious car crash caused by an uninsured motorist, contact an Chicago auto accident attorney at Sexner Injury Lawyers LLC today for a free case evaluation. We can advise you of your options under the law and what our firm can do to help.