Recovering from injuries after an accident and dealing with medical expenses can be daunting for any accident victim. Personal Injury Protection (PIP) is insurance that helps alleviate financial burdens. PIP benefits fill in the gaps when other insurance benefits are not immediately available. Illinois’s insurance system differs from other states where PIP coverage is mandatory.
Personal Injury Protection benefits (PIP) pay for medical expenses, lost wages, and other related costs, regardless of who caused the accident. PIP helps accident victims receive medical treatment and financial support before fault is determined.
PIP typically covers medical bills, such as expenses for hospital stays, doctor visits, surgeries, and rehabilitation services. It also covers lost wages and necessary services for the injured person. An experienced personal injury attorney can explain the importance of PIP benefits.
Does Illinois Require PIP Coverage?
Illinois is an at-fault state. The driver responsible for the accident must cover other parties’ damages. Illinois drivers do not have to carry Personal Injury Protection (PIP) coverage. However, Illinois law requires minimum bodily injury liability and property damage liability insurance.
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $20,000 for property damage
How Does the Claims Process Work in Illinois?
The claims process in Illinois starts by determining who is at fault. Fault must be determined. Insurance companies investigate the accident to establish who was at fault because the at-fault driver’s insurance is responsible for covering damages.
Steps to Take After a Car Accident in Illinois
If you are injured in a car accident in Illinois, there are several steps you should take to protect your rights and pursue fair compensation. Your physical well-being should always be your primary concern. First and foremost, you should seek medical attention because your health is the top priority. You may initially feel fine, but some injuries may have delayed symptoms.
After ensuring your safety, you should also report the accident to the police and file an accident report. In addition to talking to police, you should document the scene by taking photos of the accident and any damages. This will be vital evidence when dealing with insurance companies or potential legal claims. The people involved in the accident should exchange contact and insurance information with everyone involved in the accident parties involved. You should also notify your insurance company and contact an attorney. An experienced attorney can guide you through the claims process and help you receive the best possible outcome.
Contact Fabbrini Law Group Today
Personal Injury Protection (PIP) benefits are not mandatory in Illinois, but understanding how the benefits work and other options in Illinois will increase your chances of success with insurance companies and legal cases.
If you have been injured in a car accident, seeking guidance from a knowledgeable personal injury attorney can make all the difference. An attorney can help you explore your insurance options, negotiate with insurance companies, and ensure you receive what you are entitled to. Protecting yourself with the right insurance coverage and legal representation can make all the difference in the aftermath of an accident. If you’ve been involved in a car accident, Fabbrini Law Group can assist you. Please contact us online or call 312-494-3131 to learn more about your rights in Illinois.