How Does the Insurance Work in a Hit And Run Accident?

You can use your uninsured motorist coverage if you were the victim of a hit-and-run. Even though the person who hit you may have had insurance, you can’t collect from someone (or their insurance) if you cannot identify them. This essentially turns your case into an uninsured motorist claim. Check your policy to see the limits of your own insurance as this type of coverage is designed exactly to protect you if you were hurt in an accident and cannot pursue another driver’s insurance- either because they didn’t have any or because you cannot identify the other motorist. Even though it is the law to carry at least a minimum amount of car insurance in the State of Illinois, this does not mean that everyone does. Do not be afraid to use your uninsured motorist coverage. You have paid the premiums and since the accident wasn’t your fault, your rates will not go up. Dealing with insurance companies can still be a pain and you may wish to at least consult with an injury attorney to help you decide whether or not it is worth hiring one to help on your uninsured motorist claim, depending on the circumstances of your accident. We will be happy to discuss the details with you and provide honest feedback without any obligation on your part. Call us at 630 250-8813 if you were hurt in a hit and run car accident.

Carol O'Connor Cadiz
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Attorney & Owner at O'Connor Cadiz Law: Bankruptcy, Injury, Real Estate & Mediation