Being hit by an uninsured driver can feel overwhelming. Illinois requires UM coverage on most policies yet many drivers still skip insurance. Knowing your options helps you protect your health and your potential claim.
Why uninsured motorist coverage matters
Illinois mandates UM bodily injury coverage under 215 ILCS 5/143a. Lawmakers want you to have a way to recover losses even when the at-fault driver cannot pay. UM coverage follows you in many settings and may apply in a vehicle, on foot or on a bike. This matters because uninsured drivers often lack assets. You could win a lawsuit yet recover little if the driver cannot satisfy a judgment.
First steps to protect your claim
Your actions immediately after the crash can shape the outcome of your UM claim or any lawsuit. You should create a clear record from the start:
- Call the police: Get an official report.
- Gather evidence: Photos, witness names and driver details.
- Notify your insurer: Report the crash and your intent to file a UM claim.
- Document losses: Medical bills and wage information
- Seek medical care: Some injuries appear later.
These steps support your account and reduce disputes about what happened.
Your main options after an uninsured driver hits you
You have several ways to cover your losses after the crash. Here’s what you can do:
- File a claim under your UM coverage: UM coverage can pay medical bills, lost wages and pain if the other driver has no insurance. It also applies in hit-and-run crashes and property repairs may require UM property damage coverage or collision coverage.
- Consider UM property damage or collision coverage: UM property damage, if purchased, can help with repairs. Collision coverage may also pay for repairs regardless of fault.
- Sue the uninsured driver: You can sue the at-fault driver for injuries or property damage. Collecting a judgment may be difficult because many uninsured drivers lack assets.
- Use medical payments coverage: MedPay can cover medical bills regardless of fault. It may help while your UM claim is reviewed.
These options often work together and can support different parts of your claim.
What one can do next
An uninsured driver can leave you managing substantial expenses while confronting insurance requirements that may feel unclear or conflicting. Speaking with an attorney could help you sort out your legal position and assess which avenues for recovery make the most sense in your situation.