Victims of hit-and-run accidents in Illinois have to deal with the trauma of their injuries on top of the financial burden that accompanies their accidents. Victims face medical bills, car repairs, and emotional distress. A hit-and-run accident is particularly stressful because victims are unable to locate the person who caused the accident.
Hit-and-run accident victims often question whether their insurance will cover their needs after the accident. In Illinois, certain types of insurance policies protect hit-and-run victims. A skilled attorney can help ensure you receive the money you are entitled to from your insurance company. Fabbrini Law Group can assist you with your claims and help you receive just compensation.
Understanding Hit-and-Run Accidents in Illinois
A hit-and-run accident occurs when a driver leaves the scene without providing contact information or rendering aid. This accident can involve another vehicle, a pedestrian, or property. In Illinois, it is illegal to flee the scene of an accident, and it can result in criminal charges. The accident victim is left to wonder how they will be compensated for their injuries.
As you can imagine, accident victims are left with the challenge of being financially responsible for their harm when someone else is at fault. A hit-and-run accident makes it difficult to hold the responsible driver accountable. Insurance policies in Illinois offer protection in specific scenarios.
Uninsured Motorist Coverage (UM) for Hit-and-Run Accidents
Uninsured Motorist (UM) coverage provides insurance for hit-and-run accidents in Illinois. UM coverage is required under Illinois law and is standard in Illinois insurance policies. UM protects people involved in an accident with a driver who either does not have insurance or cannot be identified, such as in a hit-and-run case.
With UM coverage, your insurance company will step in to cover the costs associated with the accident.
- Medical expenses – This covers the cost of hospital stays, surgeries, medications, and other necessary treatments.
- Lost wages – This coverage can help replace the income you lose due to the accident.
- Pain and suffering – This provides financial assistance for physical and emotional distress.
How Does Uninsured Motorist Coverage Work?
If you are involved in a hit-and-run accident, you must file a claim under your Uninsured Motorist coverage with your insurance company. The coverage is designed to protect you, but the rules are complex. Legal assistance may be necessary. It is crucial to take the necessary steps to protect yourself and your claim if you are the victim of a hit-and-run accident.
- Report the accident and remain at the scene.
- Get medical attention immediately because your physical well-being should be your primary concern.
- Document the accident for insurance purposes and any future legal action.
- Report the accident to your insurance company.
- Contact an attorney to navigate the complex insurance claims process.
Next Steps
Uninsured Motorist coverage covers hit-and-run accidents in Illinois. An auto accident can be a devasting time for a victim. Understanding how insurance can help with the financial burden is essential. A skilled personal injury attorney can guide you through the complicated legal process.
Knowing your rights and the steps to take can significantly affect the outcome of your claim. Always ensure that your insurance policy includes UM coverage to protect yourself against a hit-and-run accident, and consult with a personal injury attorney if you need assistance. Please contact us online or call 312-494-3131.