Even though Illinois requires vehicles in the state to have liability insurance, studies estimate that 12.6 percent of drivers in the United States are uninsured. However, that does not necessarily mean that you cannot pursue a successful personal injury claim if you have been in an accident with an uninsured driver. In certain circumstances, you may still be able to obtain financial compensation for your injuries through uninsured motorist coverage.
Uninsured motorist coverage typically adheres to the insurance policy for the vehicle in which you were traveling, whether it was your own vehicle or if you were only a passenger. If the at-fault vehicle is proven to have had no car insurance coverage at the time of the accident, you may seek financial compensation for the injuries you incurred through the uninsured motorist policy, with the amount available for potential recovery capped by the maximum uninsured motorist policy limits.
Uninsured motorist coverage may also potentially apply even if you were a pedestrian and not inside a covered vehicle at the time of the incident. If you own a vehicle with uninsured motorist coverage, depending upon your policy, you may be able to tap into that coverage if you are injured in an accident with an uninsured driver. Even if you do not own a vehicle with an uninsured motorist policy, you may still be able to seek compensation if you are injured in an accident with an uninsured driver, provided that you reside with a close family member who has an auto insurance policy with uninsured motorist coverage. Therefore, it is important to explore all possible avenues of recovery in an accident, even if the vehicle at fault did not have any insurance.
How Do I Get Compensation in an Accident with an Uninsured Driver?
To help you obtain compensation for your injuries following an accident with an uninsured driver, you may benefit from the guidance of an experienced and knowledgeable attorney, such as the uninsured driver accident attorneys at GWC Injury Lawyers, Illinois’ largest Personal Injury and Workers’ Compensation law firm.