Tag Archives: driving without insurance

insurance claim, car accident, Hinsdale accident attorneysRegardless of the weather, the winter holiday season is a dangerous time to be on the road. Increased traffic, distracted drivers, and those who have had too much to drink can make getting your family home quite the adventure. When accidents happen, it is important to know how to handle them. If you have been injured in an accident in which you were not at fault, you are likely eligible for compensation by filing a personal injury claim.

First- and Third-Party Claims

In the vast majority of cases, these types of claims will be handled by the two insurance companies of the parties involved in the accident. Filing for coverage with your own insurance company—if you were at fault or equally at fault as the other driver—this is known as a first-party claim. If you are filing for coverage with the other driver’s insurance company, this is known as a third party claim. Not surprisingly, filing a third-party claim is more complicated and difficult to administer because you often do not have direct contact with the point person at the insurance company.

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If you are in a car accident and you don’t have proof of insurance to show officials, many issues can arise.  Here in the state of Illinois, we have some of the most severe penalties for those who are caught driving without car insurance.

According to a recent article, if you are caught driving without insurance in Illinois the court can suspend your driver’s license for three months.  The court also has the power to fine you as well as add points to your driver’s license.

Specifically, if you are in a car accident and do not have car insurance, you will be faced with some heavy expenses.  You could find yourself having to pay repair costs for your vehicle, potential repair costs for the other car involved, as well fines for driving without insurance in the first place.

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