PERSONAL INJURY COMPENSATION
VEHICLE ACCIDENTS
Since “Ignorance of the law is no excuse,” Parad firm’s law digests are intended to impart knowledge of basic legal principles for preserving victims’ legal rights to compensation for the injuries sustained in truck, car, bicycle, train, or pedestrian crashes regardless of the victims’ citizenship or age. Please contact our firm for a free consultation.
USE OF AUTOMOBILE INSURANCE POLICIES IN PERSONAL INJURY CLAIMS
No owner shall permit another person to operate a motor vehicle designed to be used on a public highway unless the motor vehicle is covered by a liability insurance policy.
Minimum insurance policy limits: $25,000 per person or $50,000 per accident for personal injury or death and $20,000 for property damages.
No one may operate a motor vehicle or allow a vehicle to be operated without obtaining law required liability insurance.
UNINSURED MOTORIST POLICY COVERAGE OF INJURIES CAUSED BY UNINSURED OR UNIDENTIFIED DRIVER
Uninsured Motorist. If the at-fault driver ran away from the scene of the collision (a “hit-and-run” collision) or had no automobile liability insurance covering the subject collision, then the injured person’s automobile insurance carrier will pay for injury compensation under the “uninsured motorist” policy the purchase of which is mandatory in Illinois.
To obtain compensation for injuries sustained in collisions with vehicles driven by uninsured or unidentified driver (in case of a hit-and-run accident):
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An injured claimant must not be at fault in such collisions and
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The claimant must prove a physical contact between the claimant, hurt as a pedestrian or bicyclist having a respective auto insurance policy or vehicle occupant, and the at-fault and escaped vehicle.
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