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

Illinois requires auto policies to include uninsured motorist (UM) coverage for bodily injury at no less than the state’s minimum liability limits (currently $25,000 per person and $50,000 per accident). This coverage may help protect you if the at-fault driver has no liability insurance or in certain hit-and-run situations.

If the at-fault driver has insurance but the policy limits are too low to cover your losses, underinsured motorist (UIM) coverage may come into play. In Illinois, UIM coverage is typically offered alongside UM coverage and can help fill the gap between the at-fault driver’s limits and your actual damages, up to your own policy limits. Your attorney can review your policy, identify available UM/UIM coverage, and pursue the appropriate avenues for financial recovery.