You are driving along in a lawful manner when suddenly, you get hit by a driver who was most likely doing something unlawful, like looking at their phone. After checking whether anyone needs an ambulance, one of the first things you do is ask the at-fault driver for their insurance information. Instead of reaching into their wallet, the responsible driver stares at you like a deer in headlights. You are hit with a horrible realization - they do not have an insurance company to pay for your damages. It may be an even worse feeling if your injuries are severe and you find out about their lack of insurance in the hospital, from the police. You are likely wondering how on earth you are going to recover compensation after a crash with an uninsured motorist. Our attorneys can help you identify any other party who could be liable or seek compensation in another way.
Identifying Those Who May Have to Pay
The most common way that people who have been hit by an uninsured or underinsured driver is through their own insurance company. In Illinois, all drivers are required to carry uninsured driver insurance. By law, uninsured motorist coverage must cover you up to $25,000 at minimum, although your particular policy may offer more.
The problem here is that you may have far more than $25,000 worth of expenses. Your car alone may be worth more than that. Add in your medical bills and lost wages, and that may not be nearly enough. Your attorney may attempt to find other parties who could potentially be liable, such as:
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