What to Do If You’re Involved in a Hit-and-Run in Chicago
Being involved in a hit-and-run accident can be overwhelming, but it’s an unfortunate reality for many Chicago residents. It has been reported that nearly 100 hit-and-run accidents happen each day in Chicago. NBC CHICAGO REPORTS. That is over 36,000 accidents a year in the Chicagoland area where the at fault party flees the scene of the accident. Hit-and-run accidents often leave the victim confused and unsure of what the correct steps are. The good news is that there are clear steps you can take in the aftermath of an accident to protect your rights. Whether you’re a driver, passenger, or pedestrian, it’s important to understand your rights and the steps you can take to protect yourself. This article covers essential information about insurance coverage, evidence collection, and why Law Office of Kevin O’Brien is your best ally in handling hit-and-run claims.
Insurance Coverage That Protects You After a Hit-and-Run
Illinois law requires certain insurance coverages that can provide financial protection in a hit-and-run scenario. Knowing what your policy includes is crucial.
Under Illinois law, all auto insurance policies must include Uninsured Motorist (UM) coverage. According to 215 ILCS 5/143a-2, UM coverage is mandatory and provides protection if:
The at-fault driver cannot be identified (as in a hit-and-run).
The at-fault driver does not have insurance.
The minimum required limits are:
$25,000 per person for bodily injuries.
$50,000 per accident for bodily injuries to multiple people.
This coverage also extends to pedestrians who are injured by a hit-and-run driver, offering broad protection in various situations.
Underinsured Motorist (UIM) coverage is an optional addition to your insurance policy. It covers you when:
The at-fault driver’s insurance limits are too low to cover your medical bills and damages.
You are struck by an uninsured or unknown driver.
UIM coverage is often offered at the same limits as your liability insurance, making it a valuable addition to your policy. Reviewing your insurance plan to ensure you have adequate coverage can save you significant stress and financial hardship.
Steps to Take After a Hit-and-Run
If you are involved in a hit-and-run accident, acting quickly and methodically can make a big difference in your case. Here are some steps you and your attorney can take:
1. Check Traffic Camera Footage
In Chicago, traffic cameras are located at many intersections and major streets. These cameras, operated by the city, police, and other agencies, may have captured the incident.
You or your attorney can request this footage through the Freedom of Information Act (FOIA). Keep in mind that many agencies only retain footage for a limited time, so it’s critical to act fast.
2. Obtain the Illinois Traffic Crash Report
If law enforcement was involved, they likely created a traffic crash report. This document provides important details about the accident, such as the time, location, and any witness statements.
If the report indicates that the at-fault driver did not have insurance, further investigation can be done to confirm this.
3. Verify Insurance Through ILIVS
The Illinois Insurance Verification System (ILIVS) is a tool that allows you to check whether a vehicle involved in a crash was insured at the time. This can be especially useful if the driver fled the scene or their insurance status is unclear.
Your attorney can guide you through this process to ensure all necessary steps are followed and evidence is properly documented.
Protect Yourself with Knowledge and Action
Hit-and-run accidents are frustrating and often leave victims feeling powerless. However, with the right knowledge and support, you can protect yourself and your family.
Key Takeaways:
Ensure your insurance includes Uninsured and Underinsured Motorist coverage.
Act quickly to gather evidence, including traffic camera footage and crash reports.
Seek legal advice from trusted attorneys like Law Office of Kevin O’Brien to handle the complexities of your case.
Why Choose Law Office of Kevin O’Brien and Associates for Your Hit-and-Run Case
Handling a hit-and-run claim can be challenging, especially when dealing with insurance companies and complex investigations. With years of experience representing victims in Chicago, Kevin O’Brien and Associates has the knowledge and dedication to help you secure the compensation you deserve.
Here’s how they can help:
Gather Evidence: They will request traffic camera footage, crash reports, and other critical documents.
Navigate Insurance Claims: They’ll ensure your UM or UIM coverage is applied correctly and fight for maximum compensation.
Investigate Insurance Status: Using tools like ILIVS, they’ll confirm whether the at-fault driver had valid insurance.
Provide Expert Representation: Whether negotiating with insurance companies or pursuing legal action, Kevin O’Brien and Associates will advocate for your best interests.
By working with experienced attorneys, you can focus on recovering while they handle the legal and administrative complexities of your case.