What Happens if You’re Hit by an Uninsured Motorist?

February 26, 2020

As you know, car insurance is designed in part to protect you legally and financially if you’re found to be at fault in an auto collision. Motorists are required by law to have auto insurance, but that doesn’t stop some drivers from hitting the road without it. If you’ve been hit by an uninsured motorist, don’t despair—you will likely still be able to recover financial compensation for your damages. However, it’s a smart idea to retain an auto accident lawyer in Rockford, IL to recover the maximum amount—an attorney will be able to identify the relevant areas of law that apply in your case and can help provide evidence to amplify your compensation.

What to do after the accident

Any time you’re involved in a car accident, you should call 911 or the police immediately. Exchange information with the other driver, and if they’re uninsured, get as much information as you possibly can, including their license number. Take photographs of the scene, the damage to your vehicle and their vehicle. If any witnesses are around, ask them for their contact information.

When the paramedics arrive, go to the hospital to get checked out, even if you think you’re fine—some injuries are asymptomatic until hours or days later. When you get home, call a personal injury attorney first, then your insurance company. Your attorney will help you make your statement and begin the claims process.

There is always the possibility that your insurance company will deny all or part of your claim, which is why it’s important to retain an attorney. They’re experts at fighting insurance companies and will aggressively pursue your right to compensation under your policy. Be sure to file your claim as soon as possible—there is often a limited time period in which you can file to recover damages.

Note that an uninsured motorist claim should not raise your premiums, so there is no reason not to file as soon as possible.

Sources of compensation

If the other driver doesn’t have insurance, you’re probably wondering how you’ll receive compensation. Illinois insurance companies often offer uninsured motorist coverage, which ensures that you’ll receive financial assistance for the damage to your car and health whether or not the other driver has insurance.

However, your insurance company may choose to file suit against the uninsured driver as well, so they can recover the amount they paid to you. In addition to civil consequences, the driver could face other legal consequences such as being fined for not having insurance, suspension of their driver’s license, impounding their car and more.

If the accident was a hit and run or DUI, they may face additional criminal charges.

Auto accident lawyer in Rockford, IL

If you’ve been involved in an accident, call the Law Office of Brendan W. Caver, Ltd. Brendan Caver has over a decade of experience litigating personal injury cases, including automobile accident cases. His knowledgeable and accessible style means you’ll get a personalized level of service that can’t be beat. Let us fight for you when you call today for a consultation.

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