Navigating Hit-and-Run Cases in Illinois: How Uninsured Motorist Coverage Can Help

Hit-and-run accidents are a serious issue on Illinois roads, leaving victims to deal with the aftermath without the responsible party to hold accountable. Fortunately, uninsured motorist (UM) coverage plays a crucial role in ensuring that victims can still recover compensation for their injuries and damages, even when the at-fault driver flees the scene after the car accident.

The Prevalence of Hit-and-Run Accidents in Illinois

Hit-and-run accidents are alarmingly common in Illinois. According to the Illinois Department of Transportation (IDOT), there were more than 12,000 hit-and-run crashes in the state in 2020. These accidents can range from minor incidents to severe collisions that result in serious injuries or even fatalities. When a driver flees the scene, it leaves victims in a difficult position, unsure of how to seek compensation for their losses.

What Is Uninsured Motorist (UM) Coverage?

Uninsured motorist coverage is a type of auto insurance that protects drivers if they are involved in an accident with someone who either doesn’t have insurance or who cannot be identified, such as in a hit-and-run. In Illinois, UM coverage is mandatory, meaning it is included in all auto insurance policies unless the policyholder specifically rejects it in writing.

UM coverage typically provides compensation for:

• Medical Expenses: Covering the cost of medical treatment for injuries sustained in the accident.
• Lost Wages: Compensating for income lost due to injuries that prevent the victim from working.
• Pain and Suffering: Providing compensation for the physical and emotional distress caused by the accident.

How Uninsured Motorist Coverage Works in Hit-and-Run Cases

When a hit-and-run occurs, and the responsible driver cannot be identified, the victim can file a claim with their own insurance company under their uninsured motorist coverage. The process typically involves:

1. Reporting the Accident: It is essential to report the hit-and-run to the police immediately. A police report will be required when filing a UM claim.
2. Filing the Claim: The victim must file a claim with their insurance provider, providing all relevant details of the accident and any supporting evidence, such as witness statements or video footage.
3. Negotiating the Settlement: The insurance company will evaluate the claim and may offer a settlement based on the policy limits and the extent of the damages incurred.

Settlements in Hit-and-Run Cases

The compensation available through a UM claim depends on the specific policy limits and the severity of the damages. In Illinois, the minimum required UM coverage is $25,000 per person and $50,000 per accident, though many drivers opt for higher coverage limits to better protect themselves.

Example Settlement: In a recent case in Naperville, a driver was seriously injured in a hit-and-run accident. The victim had $100,000 in UM coverage. Initially, the insurance company offered $60,000 to settle the claim. However, after negotiations led by an experienced attorney, the settlement was increased to the full $100,000 policy limit, covering the victim’s medical bills, lost wages, and pain and suffering.

The Importance of Legal Representation in Hit-and-Run Cases

Navigating the complexities of an uninsured motorist claim after a hit-and-run accident can be challenging. Insurance companies often aim to minimize payouts or dispute the extent of the damages. Having an experienced Illinois personal injury attorney on your side can make a significant difference in securing a fair settlement.

“A hit-and-run accident reveals a troubling lack of humanity, leaving victims to pick up the pieces. At our firm, we understand the challenges you face, and we’re here to guide you through the process to ensure you receive the justice and compensation you deserve.” – John J. Malm

At John J. Malm & Associates, we have extensive experience handling hit-and-run cases and uninsured motorist claims. Our team is dedicated to ensuring that victims receive the full compensation they are entitled to, whether through negotiation or litigation.

John J. Malm & Associates: Protecting Your Rights After a Hit-and-Run Accident

Hit-and-run accidents are distressing, but uninsured motorist coverage provides a vital safety net for victims. If you or a loved one has been involved in a hit-and-run accident in Illinois, contact us at John J. Malm & Associates for a free consultation. Our offices in Naperville and St. Charles are ready to assist you in pursuing the compensation you deserve.