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What happens if the at-fault driver doesn’t have insurance?

On Behalf of | Jan 31, 2023 | Motor Vehicle Accidents

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Motor vehicle accidents can be physically, mentally and financially devastating. However, you can often take solace in knowing that your auto insurance policy and that of the other driver will likely cover the damages you incur.

If the other party is at-fault and does not have auto insurance, however, you might feel a great deal of uncertainty regarding what happens next. By understanding your options when dealing with an uninsured driver after an accident, you can make the best decisions in a difficult time.

You can receive compensation through uninsured motorist coverage

The Illinois Secretary of State’s office explains that purchasing liability insurance is mandatory for every registered vehicle in the state. Even so, some individuals may neglect to acquire the necessary coverage and choose to take to the road before law enforcement officials have the opportunity to step in. It goes without saying that you cannot receive compensation from an at-fault driver’s insurance policy if they do not have one, but adding uninsured motorist coverage to your own policy can guarantee a favorable outcome.

You can pursue compensation from the at-fault driver

You will likely have a very strong case against an at-fault driver who is clearly in violation of the law by not possessing mandatory auto insurance coverage. Keep in mind that even though you are within your rights to sue the other driver under such circumstances, there is the possibility that an individual who cannot afford auto insurance might be unable to immediately pay out the restitution ordered by the court if you win your case.

You and your team have options available to you for pursuing compensation even if the at-fault driver in a car accident does not have insurance. Uninsured motorist coverage and courtroom litigation can both lead to a favorable outcome for you.