What if the other driver does not have enough insurance to cover my losses?

When it comes to car accidents in Illinois, if the other driver does not have enough insurance to cover your losses, there are a few avenues you can explore. The first is to make a claim against your own insurance policy under the uninsured or underinsured motorist coverage. This type of coverage is included in most Illinois car insurance policies and will pay out even if the at-fault driver is not insured or not insured for enough to cover your damages. Another option is to file a lawsuit against the responsible driver for the difference between the cost of your damages and their available insurance coverage. This can be difficult since it requires you to prove the other driver was at fault for the accident in court and you may not have enough evidence to do so. Your lawyer can advise you if this is worth pursuing. Finally, it’s possible the other driver may have other assets you can access. For example, if the driver owns real estate or has significant savings, you can go after those assets as a way of recovering your losses. In this case, your attorney can help you collect the required information to pursue this avenue. No matter what, it is important to speak to an experienced car accident attorney to advise you on the best course of action. Doing so ensures you get the compensation you deserve and are not left with a financial hardship due to someone else’s negligence.

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What if the other driver does not have enough insurance to cover my losses?

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