In 2009 there were more than 89,000 people that were injured in car accidents in Illinois. In addition, 911 people were killed in fatal car accidents. After an Illinois car accident, it is important to consult an experienced personal injury attorney before negotiating with the insurance company for compensation.
This article is a brief introduction to the car insurance regulations and laws in Illinois. It also deals with the liability rules and the kinds of insurance coverage required under the state of Illinois.
The Fault System in Illinois
Illinois is a “pure fault” state when it comes to finding out the party liable for financial reimbursements stemming from an accident. Legally, it means that a person who was technically at fault for causing the accident is responsible for the full reimbursement of physical and property damage.
The victim in Illinois can proceed for the legal formalities in following three ways:
1. By filing a claim with his own insurance company and assu
ming that the loss is covered. The company takes care of the subrogation claim of the at-fault driver’s company.
2. Pursuing for a claim directly with the insurance carrier of the other driver.
3. Filing for personal injury lawsuit in the civil court.
Below are the minimum car insurance requirements in Illinois:
- All drivers are eligible for carrying liability insurance for their registered motor vehicles.
The minimum coverage to be carried is:
1. $20,000 in case of injury or death of driver, fellow or 3rd party
2. $40,000 in case of injury or death of more than one person in one accident incident
3. $15,000 in case of property damage
While these are the minimum legal requirements, it is a recommended to carry higher coverage polices. In case you are found at fault for higher damages, you will be held liable personally in excess of policy limits.
The auto insurance laws and regulations of Illinois require that every car insurance policy that is sold should carry Uninsured/under-insured motorist coverage.
Insurance Proof and Financial Responsibility
In case of a car accident, provide the proof to the State yourself. This can be ensured through the insurance card issued by your insurance company. Make sure to carry this card every time you are driving. This is to prove that you are presently insured in a proper way in case you get involved in a car accident or traffic violation.
After an Illinois car accident, it is important to consult an experienced personal injury attorney before negotiating with the insurance company for compensation.
