Imagine yourself sitting at a red light, and another driver rams into your car from behind. Getting into a crash is already frustrating, but when they take off, it can leave you financially vulnerable. You have no ability to get your car fixed and your medical bills paid.
In Illinois, hit-and-run accidents are unfortunately common, but you’re not without options. You can still pursue compensation, even if the driver “disappears.”
Protect your claim
Your next steps can make or break your future insurance or legal claim. After you contact emergency services, report the incident as soon as you can. Try to remember as many details as possible about the fleeing vehicle. Specific information such as the make, model, color or license plate details can make identification easier.
Look for witnesses who have images or video footage of the runaway driver. Additionally, document everything with photos of your vehicle damage, the accident scene and any visible injuries. Any piece of information can be crucial in a hit-and-run.
The law is on your side as fleeing the scene is illegal. Additionally, in Illinois, you must report any accident involving injury, death or property damage exceeding $1,500. A police report is crucial for your hit-and-run claim, as it creates an official record of the incident and may help authorities locate the other driver.
Check your Uninsured Motorist coverage
If you or law enforcement cannot find the runaway driver, your Uninsured Motorist (UM) coverage can step in to compensate you. In Illinois, all auto insurance policies automatically include mandatory Uninsured Motorist (UM) bodily injury coverage matching state minimum liability limits (25/50).
UM coverage typically pays for:
- Medical expenses and rehabilitation costs
- Lost wages due to injury
- Pain and suffering
- Property damage (in some policies)
You will need to pursue a claim with your own insurance company, treating them as if they were the at-fault driver’s insurer. Furthermore, your insurer will investigate the accident and evaluate your damages. Be careful, as insurance companies often try to reduce payouts.
Seek legal help
If your injuries are serious or your insurance company disputes your claim, take immediate action. Consider reaching out to a personal injury legal professional in Illinois. They can negotiate with your insurer, ensure you receive fair compensation and handle the legal complexities.
Do not let a fleeing driver leave you financially responsible for their actions. Understanding your rights and UM coverage keeps you protected even when the other party disappears.