What Happens if You Are Hit by an Uninsured Car?

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If you were hit by an uninsured car, whether you know it or not, you have legal options. If you have MedPay included as part of your insurance policy, you could file a claim with your own insurer.

However, if you do not have this type of coverage or the insurer does not want to pay what you are owed, then you could file a lawsuit in civil court. You would typically have two years from the date of your accident to start this, per 735 ILCS 5/13-202. A Chicago personal injury lawyer with our firm can manage your case. explain your legal options, and determine what methods could help you seek damages.

You Have Financial Recovery Options

Some people automatically assume that if they were struck by an uninsured motorist, they must pay for their damages by themselves. This could not be further from the truth. Again, you have legal options—and our team can help you understand them.

We Can Review Your Insurance Coverage Options

Some states require motorists to carry personal injury protection (PIP) insurance, meaning that they can file a claim with their own insurer to recover the cost of their accident-related expenses. PIP insurance is not available in Illinois. Instead, injured claimants may instead have MedPay, which pays for some of their losses if they were injured by uninsured motorists.

If you have MedPay, this program can pay for your medical expenses related to the crash. MedPay applies regardless of who caused the collision. You may also have uninsured or underinsured motorist protection coverage as part of your own insurance policy – if so, you could recover compensation under this plan.

Just because you were hit by an uninsured motorist does not mean that filing an insurance claim is out of the question. Let our team review your coverage options and make that determination for you.

We Can File a Lawsuit in Civil Court

If you do not have insurance coverage options, then you could file a lawsuit against the at-fault party. A lawyer from our team can handle this for you by:

  • Filing your car accident lawsuit
  • Collecting evidence to prove that the other party acted negligently
  • Estimating the cost of your losses and pursuing them
  • Exchanging evidence and information with the defendant’s legal counsel
  • Interviewing and cross-examining witnesses
  • Reviewing the state’s statute of limitations

Filing a lawsuit can be a tiring, time-consuming experience. However, with our Illinois law firm on your side, you won’t have to lift a finger. All you have to worry about is getting better.

You Can Recover the Cost of Your Medical Bills, Lost Income, and More

Following a car accident, you may have many out-of-pocket expenses that have gone unpaid. Through legal action, you can secure payment for these expenses. Some recoverable damages in a non-fatal car accident include:

  • Pain and suffering
  • Disability
  • Lost wages
  • Loss of future earning ability
  • Property damage costs
  • Medical bills

If you lost a loved one in a car accident with an uninsured driver and you are undertaking legal action on their behalf, some compensable losses in your case could include:

  • Impaired quality of life
  • Loss of consortium
  • Loss of parental guidance and household benefits
  • Loss of income
  • Funeral expenses

You could recover other types of losses depending on your situation.

Our Legal Team Can Prove Negligence in Your Car Accident Case

While filing an insurance claim or a lawsuit, you will need to prove how the other party caused your accident. This will be crucial to the overall success of your case.

Our law firm can gather evidence to prove how another party’s negligence resulted in the accident that hurt you or claimed the life of a loved one. We can use the following information to bolster your case:

After we prove that another party caused your accident, we can continue fighting for the compensation you need.

An Attorney with The Kryder Law Group, LLC Can Manage Your Case

If you still have questions about what happens if you are hit by an uninsured car, the Kryder Law Group, LLC can answer your questions for free. We can explore the possibility of recovering compensation for you via an insurance claim or take your case to civil court. To talk about your case, call (312) 223-1700.

vector of a stick figure being hit by a car
If you are hit by an uninsured car, you can pursue the other driver for damages and compensation for your injuries.

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