Uninsured Driver Accident

Being in a car accident is even more troubling when the other driver doesn't have car insurance. Let the uninsured driver accident lawyers at Hassakis & Hassakis get you the compensation you merit after an Illinois uninsured driver accident.

Our family is here for yours

Uninsured Driver Accident Attorneys in Illinois


Uninsured Driver Accident Attorney in Illinois. Not only is being in a car accident something that no one ever wants to experience, it is even tougher when you have full-coverage, Illinois state-mandated insurance and the other driver in your accident did not have insurance. Accidents where one or more motorists were uninsured regularly result in the driver who had insurance carrying a bigger financial burden, whether it is having to pay more to get their car repaired or paying large medical bills out of pocket.

For more than 70 years, the uninsured driver attorneys at Hassakis & Hassakis have fought on behalf of Southern Illinois families to get them the justice they deserve after an accident. We believe that everyone deserves the help of an experienced, dedicated law firm that gets results after an accident. This is why we take all our Illinois uninsured driver cases on what is called a contingency basis: if we do not get a favorable result for your case, you will not owe us anything. From the moment you first call us, we will give you extensive and complete legal counsel designed to get you the best possible compensation for all the pain and suffering you have been through after your accident.


How Uninsured Motorist Claims Work In Illinois


The state of Illinois mandates that drivers must carry a minimum amount of auto insurance. Currently, this is a minimum of $25,000 for the injury or death of one person in an accident and $50,000 for injury/death of all people in an occurance. Most drivers in Illinois have this; however, whether because they cannot afford it or for any other reason, many do not. The Insurance Information Institute estimates that 11.8 percent of Illinois drivers are uninsured, placing it 24th among American states.

When someone is in a car accident with an uninsured motorist, they have two different options to recover damages:

  • File a personal lawsuit against the other driver
  • File what is called a first-party claim with your own insurance company against your uninsured motorist coverage

Illinois mandates that all insured drivers carry additional coverage in the event that they are ever in an accident with an uninsured driver. Currently, this means that each policy must have a minimum of $25,000 in uninsured motorist coverage. Claims for uninsured motorist accidents are processed in the same way as if you were filing a claim with another person's insurance company. However, this also means that insurance companies can—and often do—deny or delay claims, and may not pay out what you believe you deserve for your pain and suffering. A personal lawsuit may be a better option in some cases, such as if your insurance company decides to play hardball with your claim or the other driver has a substantial level of personal wealth or assets.

Driving without insurance is also a crime in Illinois, and the penalties for it are quite serious. First and second-time offenders will face a minimum fine of $500 and a maximum fine of $1,000, while both their driver's license and their car's registration can be suspended for three months. If you or anyone else is caught driving a car with suspended plates, you can also be fined $1,000 for that. After your suspension period has concluded, you will be required to pay a $100 reinstatement fee to get your driving privileges back, plus you will have to pay all court costs. Repeat offenders appropriately face higher punishments: a fine of $1,000, a four-month suspension of both license and registration, and a requirement to have an SR-22 on file for three years. If someone has been convicted at least twice of driving without insurance and is involved in an accident, they may have to pay an additional fine of at least $2,500.

Uninsured Driver Accident Lawyers in Southern Illinois

Injury Law Practice Areas


Life after a serious injury or the death of a loved one is difficult enough without having to contend with the legal claims process. When your future is at stake, you need a personal injury lawyer you can trust who is committed to your case and has experience winning cases like yours. The attorneys of Hassakis & Hassakis, P.C. are accomplished lawyers in all areas of personal injury law and have been trusted by the Southern Illinois community for generations. With your best interests at heart and a track record of successfully helping Illinois families recover from devastating events by obtaining the compensation they deserve, the personal injury lawyers of Hassakis & Hassakis offer the best legal representation available for you and your family after you have been injured in a car accident, workplace accident, dog bite, or any other type of personal injury.

Our family is here for yours

Uninsured Driver Accident Attorneys in Illinois


Uninsured Driver Accident Attorney in Illinois. Not only is being in a car accident something that no one ever wants to experience, it is even tougher when you have full-coverage, Illinois state-mandated insurance and the other driver in your accident did not have insurance. Accidents where one or more motorists were uninsured regularly result in the driver who had insurance carrying a bigger financial burden, whether it is having to pay more to get their car repaired or paying large medical bills out of pocket.

For more than 70 years, the uninsured driver attorneys at Hassakis & Hassakis have fought on behalf of Southern Illinois families to get them the justice they deserve after an accident. We believe that everyone deserves the help of an experienced, dedicated law firm that gets results after an accident. This is why we take all our Illinois uninsured driver cases on what is called a contingency basis: if we do not get a favorable result for your case, you will not owe us anything. From the moment you first call us, we will give you extensive and complete legal counsel designed to get you the best possible compensation for all the pain and suffering you have been through after your accident.


How Uninsured Motorist Claims Work In Illinois


The state of Illinois mandates that drivers must carry a minimum amount of auto insurance. Currently, this is a minimum of $25,000 for the injury or death of one person in an accident and $50,000 for injury/death of all people in an occurance. Most drivers in Illinois have this; however, whether because they cannot afford it or for any other reason, many do not. The Insurance Information Institute estimates that 11.8 percent of Illinois drivers are uninsured, placing it 24th among American states.

When someone is in a car accident with an uninsured motorist, they have two different options to recover damages:

  • File a personal lawsuit against the other driver
  • File what is called a first-party claim with your own insurance company against your uninsured motorist coverage

Illinois mandates that all insured drivers carry additional coverage in the event that they are ever in an accident with an uninsured driver. Currently, this means that each policy must have a minimum of $25,000 in uninsured motorist coverage. Claims for uninsured motorist accidents are processed in the same way as if you were filing a claim with another person's insurance company. However, this also means that insurance companies can—and often do—deny or delay claims, and may not pay out what you believe you deserve for your pain and suffering. A personal lawsuit may be a better option in some cases, such as if your insurance company decides to play hardball with your claim or the other driver has a substantial level of personal wealth or assets.

Driving without insurance is also a crime in Illinois, and the penalties for it are quite serious. First and second-time offenders will face a minimum fine of $500 and a maximum fine of $1,000, while both their driver's license and their car's registration can be suspended for three months. If you or anyone else is caught driving a car with suspended plates, you can also be fined $1,000 for that. After your suspension period has concluded, you will be required to pay a $100 reinstatement fee to get your driving privileges back, plus you will have to pay all court costs. Repeat offenders appropriately face higher punishments: a fine of $1,000, a four-month suspension of both license and registration, and a requirement to have an SR-22 on file for three years. If someone has been convicted at least twice of driving without insurance and is involved in an accident, they may have to pay an additional fine of at least $2,500.

Uninsured Driver Accident Lawyers in Southern Illinois

Injury Law Practice Areas


Life after a serious injury or the death of a loved one is difficult enough without having to contend with the legal claims process. When your future is at stake, you need a personal injury lawyer you can trust who is committed to your case and has experience winning cases like yours. The attorneys of Hassakis & Hassakis, P.C. are accomplished lawyers in all areas of personal injury law and have been trusted by the Southern Illinois community for generations. With your best interests at heart and a track record of successfully helping Illinois families recover from devastating events by obtaining the compensation they deserve, the personal injury lawyers of Hassakis & Hassakis offer the best legal representation available for you and your family after you have been injured in a car accident, workplace accident, dog bite, or any other type of personal injury.

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Filing An Uninsured Motorist Claim


Facts About Uninsured Motorist Claims

Each state in the US has either an at-fault (also referred to as tort) or no-fault law regarding vehicular accidents and insurance coverage. Some states follow a no-fault rule where if you are in an accident, you generally use your own insurance to cover the damages, regardless of who caused the accident. Others use what is called pure comparative fault, where each driver pays a percentage of damages equal to how much they were responsible for their accident, and also can get compensated proportional to how much of the accident they were not at fault. Illinois uses a modified comparative fault statute, called the "51 percent" rule. This means that a plaintiff cannot recover if they are more than 50 percent at fault.

These laws are relevant in uninsured driver accidents because they affect the type of coverage and the way your insurance company will cover accidents involving a driver who doesn't have any insurance coverage.

Why Should I File A First-Party Claim?

You do have the right to sue the at-fault driver for damages. However, the laws on this can get complicated. Also, if your priority is to get the financial coverage you are owed because of the damage the accident caused, this won't always make you whole following an accident. People have different reasons for what they decide to do or not do, but most drivers who do not have any insurance on their vehicle don't have insurance because they can't afford to pay it or don't want to pay for it. If they won't pay a regular insurance premium, it may be difficult to get them to pay for all the damages you've suffered.

In most cases, your best solution is to pursue compensation from your own insurance policy. You may believe that contacting your own insurance company isn't the right thing to do: you did not cause the accident, after all, so you think that your insurance company should not have to pay, or that your premiums will increase. These are valid concerns but are misguided because you have been paying for coverage in the event you are in an accident with an uninsured motorist for years.

As a responsible driver who makes diligent payments to your insurance company every month, you would believe that they would be there for you in your hour of need. However, this is not always the case. Our attorneys have seen far too many instances where insurance firms refuse to pay innocent, hardworking Illinois drivers who suffered an accident they did not cause. We want to help you if your insurance company refuses to pay what you are owed, or believes that they only need to pay a fraction of your bills.

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I was referred to Hassakis & Hassakis by a past client and was assured I would be treated right. From day one all of their staff were extremely prof …

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Hassakis & Hassakis: Helping Uninsured Driver Accident Victims in Illinois

Why You Need A Lawyer For An Uninsured Motorist Claim

Drivers must remember that when they pursue an uninsured motorist claim, they are proceeding against their own insurance company. For this reason many drivers fall into the false sense of security that their insurance company is looking out for their best interests. Despite your payment of timely premiums and knowing your agent by their first name, the insurance industry is a billion-dollar for-profit operation.

Most of us do not read our entire insurance policy prior to signing on the dotted line and making our payments. It is often the case that the first time we actually figure out what our insurance policy says is after we have had an accident. It is only then we discover our policy is a maze of disclaimers and reasons why coverage is not provided. It is extremely important that you have someone who is able to navigate this complex document and provide answers after an auto accident.

Interpreting and abiding by the contract or policy is only the first step in this process. Once you've jumped through all the hoops and filed your uninsured motorist case, you will next have to fight your insurance company regarding the amount required to make up all your losses. For instance, many uninsured motorist policies do not cover property damage, so they will not pay you for required repairs to your automobile or any other personal goods damaged in your accident.

As such, it is critical that you get legal representation when dealing with your own insurance company. These corporations have highly-trained investigators who set to work immediately finding evidence they can use against you. Denying your claim means that they will not have to pay you what you are worth, which cuts into their bottom line. It is imperative that you seek an Illinois uninsured motorist lawyer capable of fighting back against corporate greed to ensure that you are fully reimbursed for all your harms, losses, and pain.

Hassakis & Hassakis: Your Southern Illinois Uninsured Motorist Attorneys

The experienced Illinois uninsured driver lawyers at Hassakis & Hassakis are here to help those who have been in accidents where the driver at fault did not have required auto insurance. Our firm is committed to working for Southern Illinois residents because we are a part of this community. Our firm was started in Southern Illinois, we live here, and we care deeply about our neighbors. When you work with our Illinois uninsured driver accident lawyers, you can be confident that you will be working with attorneys who want what is best for their community and the people who live in it. If you have recently been a victim of a car accident caused by a driver who did not have insurance, call or contact our uninsured driver accident lawyers in Illinois today.

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