Automobile accidents can happen at any time – one of the reasons why they are called “accidents” is because they are unexpected. Questions arise if one or both of the drivers do not have car insurance. But, Chicago drivers certainly hope that if they are victims in an Illinois motor vehicle accident that the other driver has insurance. As Chicago personal injury lawyer Susan Novosad reported, she recently represented five motor vehicle accident victims in Chicago motor vehicle lawsuit settlements for the limits of each policy. She pointed out that often times, defendants do not have sufficient coverage to compensate the plaintiffs for their personal injuries and advised drivers to protect themselves with uninsured and underinsured motorist coverage to their policies. While Ms. Novosad addressed the underinsured, what if the motorist has no insurance at all? Across the United States, chances are roughly one in seven that a driver is uninsured, according to estimates released in April.
Unfortunately, the recession has also caused an increase in the number of uninsured motorists in our country. Despite laws in many states requiring drivers to maintain insurance, about one in seven motorists remain uninsured. Again, unfortunately, responsible drivers who carry insurance bear the burden of paying for the personal injuries caused by those drivers who carry no insurance at all. The highest percentage of uninsured drivers are in Mississippi and New Mexico, where more than one in four drivers are uninsured! Here, in Illinois, about 15 percent of drivers are uninsured despite our mandatory insurance law. Insurance policies can lapse or drivers can enter Illinois from other states resulting in additional uninsured drivers. Bottom line – and this goes regardless of our economical environment – if you are involved in an Chicago auto accident, no matter how minor, always ask the other party for their insurance information.
Read more about the uninsured motorists at Commercial-News.