Can You Sue Someone Who Doesn’t Have Car Insurance?

A single car accident can be extremely costly. Expenses for medical treatment Wages have been lost. Suffering and pain. Damage to your car and other belongings. You shouldn’t have to pay if you didn’t cause the accident, but securing the compensation you need for your losses can be challenging.

Illinois is an “At-fault” insurance state

This means that if a driver is judged to be at fault for a vehicle accident, he or she is responsible for any damages (financial compensation) incurred as a result of the accident. If many parties are partially to blame for the accident, culpability is shared among them using the comparative negligence concept.

Make a “third party” claim with the at-fault driver’s insurance company.

Additionally, an at-fault driver’s employer or even members of the at-fault driver’s household may be eligible for compensation.

Your right to compensation in a first party claim

In the event of an accident, depending on your insurance policy, you may be entitled to certain compensation from your own insurance carrier. Among the advantages are the following:

  • Coverage for medical expenses (MedPay). Up to the policy maximum, this coverage covers for your medical expenditures resulting from the crash, such as hospital bills and the cost of prescription medication.
  • Coverage for collisions. This policy covers damage to your car, as well as a replacement if it is ruled a total loss.

If the collision was caused by another driver, your insurance company may seek compensation from the at-fault driver’s insurance company. This is known as subrogation, and depending on the size and nature of your claim, it may make it more difficult for you to obtain all of the compensation you require, as some of the damages you recover are paid to your insurance company rather than to you.

An competent attorney, on the other hand, can negotiate with the insurance company on your behalf and assist you in receiving full reimbursement. We’ve worked with insurance carriers to reduce or eliminate subrogation to ensure that our clients receive all of the money they deserve.

Taking action against the at-fault driver

While your personal insurance policy may give some compensation, it is unlikely to cover the full cost of an accident that results in serious injury. Medical payments coverage is typically restricted, and it does not cover non-medical expenses like lost wages due to time off work. You must take legal action against the at-fault driver in order to collect all of your losses.

In Illinois, claims stemming from an automobile accident are subject to the following time limits, known as the statute of limitations:

  • To seek compensation for your injuries, you have two years from the date of the accident.
  • You have five years from the date of the accident to file a claim for property damage.

These limitations only apply to civil cases, so an insurance provider might theoretically pay a claim after the statute of limitations has passed. If you still have the possibility of launching a lawsuit, you will have far greater negotiating power with the insurance company.

What if the at-fault driver doesn’t have insurance?

All motorists in Illinois are obliged to have liability insurance, however some drivers opt to disregard the law. If the at-fault driver lacks insurance, he or she may be held personally accountable for the accident’s losses. Similarly, if the driver does not have enough liability insurance to cover all of your costs, he or she can be held accountable for anything over and beyond the policy limit.

This implies you can still file a lawsuit and try to recover compensation directly from the assets of the at-fault driver. Seizing an individual’s assets, on the other hand, is a far more complicated, time-consuming, and challenging process than collecting from an insurance company, and the at-fault driver may not have much assets to begin with. Filing an uninsured motorist claim with your own insurance provider is a more practical choice.

Uninsured motorist coverage is mandatory in Illinois for all drivers. If you’re in an accident caused by an uninsured driver, your insurance carrier will cover any losses not covered by the uninsured driver’s liability coverage, up to the policy level. In a hit-and-run event, uninsured motorist coverage also applies if the at-fault driver’s name is unknown.

Can you sue if someone doesn’t have car insurance?

In most cases, drivers are not permitted to sue another person in an automobile accident unless there are compelling reasons to do so, such as high medical bills, verifiable and severe injuries, or provable fault. Most auto accident claims, on the other hand, are predicated on the assumption that both parties have adequate automobile insurance. When one or both parties are uninsured and the victim files a lawsuit, what happens?

What happens if someone crashes into your car without insurance?

Accidents can be upsetting, but staying calm will make the process go more smoothly from the start. If the accident was not your fault, the party who caused it should be held responsible for repairing your car or property. Even if the other driver does not have insurance, you may still be able to recover compensation for your losses.

Here’s a statistic: approximately 10% of Australian motorists are uninsured*. Given the number of drivers on our roadways, that’s a startling number of individuals. So, if you’re in an accident and the other motorist doesn’t have insurance, here are some things you can do right away.

What happens if the at fault party doesn’t have enough insurance to pay a claim in California?

If the at-fault party does not have automobile insurance, you may still be able to recover damages by submitting a claim with your own insurer or initiating a personal injury lawsuit against the motorist.

It’s stressful enough to be in a car accident. It can be a very frustrating process when you learn the other party does not have auto insurance. A vehicle accident lawyer in Los Angeles can guide you through the procedure. Even if the at-fault party is uninsured, you can still pursue the reimbursement you deserve.

According to the California Department of Insurance, all motorists in California are obliged to obtain automobile insurance. For their registered automobiles, all drivers must be able to produce proof of insurance. Without this insurance, a driver is not allowed to drive legally. Despite these rules, people may still drive without insurance on the road. So, what happens if they are involved in an accident?

What happens if you have no insurance but the other driver was at fault Texas?

In Texas, driving without the bare minimum of liability auto insurance is unlawful. If you are involved in a car accident in Texas without insurance, the police will most certainly issue you a penalty. They may have your car towed or ask you to arrange for someone to drive it away from the scene with evidence of insurance. Some localities also have rules that allow cops to seize your car. If this happens, you will be required to pay a fee and produce proof of insurance in order to retrieve your vehicle.

What do you do if someone hits your car while parked?

The first thing you should do if someone hits your parked automobile is call the police so they can investigate and file an accident report. After you realize someone has hit your parked automobile, there are three fundamental measures you should take:

Do I need to tell my insurance company if someone hits me?

Yes, you must notify your insurer if you have been in an accident. You should write your insurance a letter informing them of the situation.

However, make it clear that this is for ‘information only’ and that you are not making a claim.

This should prevent your insurance from settling with the other party’s insurer without your permission.

Timeframe to inform your insurer

Even if you don’t want to file a claim, it will be a provision of your insurance policy that you report the accident to your insurance company within a reasonable time.

Check your policy’s terms and conditions, but if it doesn’t specify a timeframe, try to do it as soon as feasible.

If you fail to do so, your insurance company may refuse to cover you in the future.

Right to request insurance details

Even if no one was hurt in the collision, anyone who holds you liable for it has the right to ask for your insurance information.

Failure to submit your insurance information without a good reason is also a crime.

An injury sustained at the time of the accident would be a valid excuse.

Is the owner of the car or the driver liable for an accident?

If you are critically hurt in an automobile accident, you may be entitled to file a lawsuit against the person(s) who caused it. In most cases, only one party is responsible: the motorist who caused the accident. In some cases, however, culpability for the accident may extend to one or more third parties.

As a result, it’s critical to determine not just who was driving at the time of the accident, but also who owns the vehicle. Check to ensure if the name on the driver’s license matches the name on the vehicle registration and insurance card when you exchange information after the accident. If the names don’t match, inquire if the driver is the owner of the vehicle.

When the at-fault driver does not own the car, determining liability might be difficult. It’s critical to consider all of your possibilities for claiming compensation following the accident. For a free consultation, contact a vehicle accident lawyer at Maggiano, DiGirolamo & Lizzi.

How do you negotiate a total loss payout?

After going through two car accident negotiations with the auto insurance company in less than four months due to two totaled car accidents (neither of which were our fault), it’s clear that knowing how to negotiate the best settlement for a totaled car is critical to getting the best deal on a totaled vehicle.

Many claimants accept the first offer from the vehicle insurance company without reading the fine print. They believe their auto insurance company will compensate them fairly for their vehicle in its existing state. Insured drivers frequently have no idea what to expect.

You may recall telling the insurance adjusters that your vehicle had a DVD player, but did you inform him or her that it was a split-screen DVD player? These types of extra products may boost the fair market value and settlement amount, even if you aren’t aware of it. If you believe the Kelley Blue Book value is higher, there are various procedures to challenge the findings.

If you don’t have an agent or if your agent isn’t very helpful, knowing the best bargaining strategies will help you get a better settlement. Of course, getting the facts is critical. Using overly effusive descriptions of your vehicle on Kelley Blue Book will not result in a higher reward. To begin, familiarize yourself with the claims procedure.

If you’re not sure if you’re getting the best insurance prices, enter your zip code and answer a few simple questions in our quote calculator to see what insurance providers in your region are providing.

Here are five suggestions for getting the best loss payout for your totaled vehicle.

Can progressive deny my claim?

Progressive is obligated by law to use good faith settlement procedures to process both first-party and third-party insurance claims. They can’t deny clearly legitimate claims, and they can’t use the threat of denying a claim unfairly as a negotiating tactic. The insurance firm must adhere to a number of specified regulations. If you were treated unfairly after an automobile accident, you may be a Progressive victim of bad faith.

Victims of bad faith insurance are entitled to full recompense for their losses. They may be eligible for additional financial assistance in addition to the original claim value. Here are some red flags that indicate Progressive is processing your claim in bad faith: