What if the other driver in an accident doesn’t have insurance? If the other driver involved in an accident does not have insurance, report the incident to the police, seek medical attention, and notify your insurance provider.
Within days of the accident, consult with a Chicago car accident lawyer. They could help you get compensation from a liable party through a lawsuit.
How the Police Will Respond to Your Auto Accident
Call 911 after an accident when the other driver does not have insurance. This brings police officers to the scene. The police will speak with you, the other driver, and any witnesses. They learn about the crash and put together a police report that details what happened.
Expect the uninsured motorist to pressure you not to call the police. This is due to the fact that it is illegal to operate a car without insurance in Illinois. This driver could face a fine, driver’s license suspension, and other penalties. On top of these, you could file a personal injury lawsuit against them to pursue compensation for your medical bills and other accident-related losses.
Therman Law boasts 75 years of combined legal experience among our team members. We can explain how police reports are used in car accident cases and why it is essential to receive medical attention right away after an auto crash. Discuss your auto collision case with us.
Why it is Important to Prioritize Your Health, Well-Being, and Safety After Your Auto Accident
Just because the other motorist in an accident does not have insurance does not mean you should ignore your health, well-being, and safety. If you call 911, medical personnel will arrive at the scene alongside the police. Medical professionals can evaluate and treat your injuries. If warranted, they can escort you to an emergency room for further care.
You may be worried about how you will cover your medical bills if the other motorist does not meet Illinois’ mandatory vehicle insurance requirements.
Ultimately, your injuries may be severe, and they will get worse if you do not treat them. Allow medical professionals to care for you. Meanwhile, consult with a car accident lawyer, and they can pursue compensation for you.
An auto crash attorney understands the common injuries in car accidents and the costs associated with them. They account for your medical bills and other losses as they calculate your economic and non-economic damages. Your lawyer can build a case to prove the other driver was negligent and should have to compensate you for these.
What to Expect if You Tell Your Auto Insurance Company About Your Car Accident
You may be skeptical about contacting your insurer if the other driver in your car accident does not have insurance. By notifying your insurance carrier about your collision, you are not taking the blame for the incident. Rather, you open a claim, and your insurer could cover your losses if you have uninsured motorist protection.
Uninsured motorist coverage provides compensation for your medical bills and other losses if you are involved in an auto collision in which the other motorist does not have car insurance.
The coverage could give you enough money for all of your losses. Alternatively, if you do not have this coverage or it does not provide sufficient compensation, you maintain the right to sue.
A car accident lawyer can help you receive compensation from your insurer if you have uninsured motorist coverage, as this may allow you to recover financially from the incident. On the other hand, if you are dealing with broken bones from your car accident or other costly injuries and your insurer does not cover them, your lawyer can submit a lawsuit for you.
Benefits of Having a Car Accident Lawyer if You Get into an Accident in Which the Other Driver is Uninsured
Filing a lawsuit against a driver in an accident who does not have insurance offers no guarantees. Meanwhile, having a personal injury lawyer with relevant auto accident case experience on your side ensures you can receive legal guidance and support throughout your litigation.
Your lawyer understands the legal challenges that come with suing a motorist in an accident who is driving while uninsured. They file your lawsuit in alignment with Illinois law, gather accident scene photos, witness statements, and other proof on your behalf, and prepare an argument to show the court that an uninsured motorist should have to pay damages.
As your case moves forward, your lawyer can negotiate a settlement with the other driver for you. If this motorist offers a settlement, your attorney will notify you.
You can assess the settlement proposal with your lawyer. If you decide it is less than what you want, you can bring your case to trial, and your lawyer can present your argument to a judge or jury.
Compensation You Could Get from an Uninsured Motorist in a Car Accident Lawsuit
Your lawyer considers your quantifiable and subjective losses. They want you to obtain compensation that serves you well now and in the future. Reasons you could receive damages from an uninsured motorist in an auto crash lawsuit include:
- Current and future medical care costs
- Lost wages
- Loss of enjoyment of life
- Emotional distress
- Pain and suffering
- Costs of repairing or replacing your car
How much your lawsuit is worth depends on the losses you have suffered and other factors. Your attorney wants to make it clear to the court that a driver was operating their vehicle without insurance and caused your accident. If your lawyer’s argument is successful, you are well-equipped to get 100% of the damages you request.
Trust a Knowledgeable Car Accident Lawyer to Help You Secure Damages from an Uninsured Motorist
Therman Law provides zealous legal advocacy for auto accident victims and their families. If you have been injured in an auto crash caused by an uninsured motorist, we encourage you to take legal action today.
We can help you with your car accident case. Schedule a free case evaluation with us.