Experienced Local Attorneys

What can people expect from car insurance after a wreck?

On Behalf of | Jun 13, 2024 | Motor Vehicle Accidents |

Most people operate under the assumption that insurance can take care of them after a car crash. The law in Illinois requires that everyone with a registered vehicle carries liability insurance in the event of a crash.

Insurance companies invest heavily in their advertising campaigns to convince consumers to trust the insurance company if they ever need to file a claim, leading to unrealistic expectations among policyholders. Many people are unsure of what to expect when dealing with an insurance provider after a recent wreck.

What assistance does insurance generally provide to those affected by a motor vehicle collision?

Property damage and injury coverage

Illinois mandates two types of insurance coverage. Every driver should have both bodily injury liability coverage and property damage liability coverage. However expensive the crash may ultimately be, insurance only pays at most the policy limit set by the person who acquired the coverage. People can negotiate claims seeking up to the policy limit in compensation from the insurance provider after a crash.

Liability protection when at fault

The policy that an individual carries on their vehicle may only protect them from personal financial liability. Some people invest in additional coverage that can protect them from other losses, such as comprehensive coverage to help pay to cover the loan on a financed vehicle. Without supplemental coverage, drivers usually only receive liability protection from their personal policies.

Substantial coverage gaps

The unfortunate reality is that there are many shortfalls and gaps in basic liability coverage in Illinois. There is always the risk of a driver not having coverage. As of 2022, Illinois was in the top 15 worst states for uninsured motorists. In 2022, claims indicate that approximately 16.3% of Illinois drivers went out on the road without appropriate coverage.

Additionally, hit-and-run scenarios could leave people unable to hold the right party accountable for a wreck. Beyond that, the possibility of severe injuries or more significant property damage expenses might mean that the policy limit is well below the total cost of a crash.

There are some scenarios in which those involved in motor vehicle collisions need to take the matter to civil court. Pursuing a personal injury lawsuit can help those left without adequate coverage after a recent collision. Drivers, passengers and even pedestrians who understand what car insurance in Illinois usually covers can better recognize when insurance may not be enough to protect them, and therefore, when filing a personal injury lawsuit may be necessary.