Car accidents can be a harrowing experience, especially if you don’t have insurance. Being involved in an accident without insurance can leave you feeling vulnerable and unsure of what your next steps should be. In Illinois, if you are not at fault for the accident, you may still have options for getting compensation for your damages. Here’s what you need to know.
Understanding Illinois’ Fault Laws
Illinois is considered a “fault” state when it comes to car accidents. This means that the driver who is found to be at fault for the accident is responsible for paying for any damages caused. However, if you are not at fault for the accident, you may still be able to get compensation for your damages.
Uninsured Motorist Coverage
If you don’t have insurance, you may still be able to get compensation through your uninsured motorist coverage. This type of coverage is designed to protect drivers who are involved in an accident with someone who doesn’t have insurance. It can also cover hit-and-run accidents.
Personal Injury Lawsuits
If you are not at fault for the accident, you may also be able to file a personal injury lawsuit against the at-fault driver. This can help you get compensation for medical expenses, lost wages, and pain and suffering. However, it’s important to note that personal injury lawsuits can be complex and time-consuming, so it’s best to speak with an experienced attorney.
Statute of Limitations
If you are considering filing a personal injury lawsuit, it’s important to know that there is a statute of limitations in Illinois. This means that you only have a certain amount of time to file a lawsuit after the accident. In Illinois, the statute of limitations for personal injury lawsuits is two years from the date of the accident.
What to Do After an Accident
If you are involved in a car accident, it’s important to take certain steps to protect yourself and your legal rights. These steps include:
- Call 911 to report the accident and seek medical attention for any injuries
- Exchange contact and insurance information with the other driver
- Take pictures of the accident scene, including damage to both vehicles and any injuries
- Get contact information from any witnesses
- Notify your insurance company of the accident
Conclusion
Being involved in a car accident with no insurance can be a stressful and overwhelming experience. However, if you are not at fault for the accident, you may still have options for getting compensation for your damages. By understanding Illinois’ fault laws and your legal rights, you can take steps to protect yourself and get the help you need.
