Not only do motor vehicle accidents cause a whole host of medical issues, but insurance problems may also arise. If you are in a collision caused by an underinsured driver or by someone who is totally uninsured, you likely worry about how you will seek compensation.
By being proactive and taking action, you may improve your chances of recovering payment for your damages.
Report the accident
Above all, call emergency services immediately after a car accident. Law enforcement may cite the motorist for driving uninsured. This could lead to fines and license suspension if the court finds the person guilty and sends the information to the Secretary of State.
You also have the option to submit a report on your own. The Illinois Department of Transportation Accident Report Office investigates crash reports submitted by members of the public.
Check your own policy
Even though it is illegal for Illinois motorists to drive without insurance, some people still choose to take the risk. That is why insurance companies offer uninsured motorist coverage. Check with your insurance agent to see if your policy includes full coverage.
Assess your legal options
You can choose to seek help from an attorney who can counsel you on whether to bring a legal claim against the at-fault driver. He or she may help you assess if the claim is worth pursuing by looking at certain factors such as the assets of the uninsured driver.
Overall, experiencing a car crash with an uninsured driver may seem less than ideal, but know that you still have some options for recovery.