FAQs: Injury &Accident; Lawsuits in Illinois

Q: What if the person who hit me has no insurance

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A: Illinois is unique in that it requires motorists to carry a minimum level of uninsured and underinsured motorist coverage. Uninsured motorist coverage generally protects the injured victim financially in the event that the party who is responsible for causing an auto accident is not insured, while underinsured motorist coverage protects the victim if his or her expenses exceed the policy limits of the at-fault party. Illinois law requires drivers to have a minimum of $20,000 per person, with a limit of $40,000 per accident, for bodily injury resulting from the actions of the uninsured or underinsured driver. Therefore, if the at-fault party lacks sufficient insurance, you can file a claim with your insurance company to cover the damages.

Other options to obtain recovery include suing the uninsured motorist for the damages you have incurred and submitting an Illinois Crash Report to the Illinois Department of Transportation. By submitting a report, you are requesting that the case be certified to the Illinois Secretary of State for suspension of the uninsured motorist's driver's license. This suspension will remain in effect until the uninsured motorist pays for your damages as restitution or until other arrangements are made.

Q: What is my lawsuit worth?

A: Many people understandably wonder how much they can recover for their personal injury claims. A variety of circumstances, such as the extent of your injuries, the facts involved, and the damages you have incurred and will incur, all impact the amount you may receive in a settlement or verdict. Generally, injured accident victims are entitled to recover for economic damages, such as medical expenses, lost wages, loss of future earning capacity, disability, and property damage. They may also be able to recover for non-economic damages such as pain and suffering"...read the full story here: Chicago Accident Lawsuit.

FAQs: Injury &Accident; Lawsuits in Illinois

By: Rosanne

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