No one wants to be involved in an automobile accident. It can leave victims in serious injury situations, not to mention loss of their vehicle. And in states like Illinois that do not utilize no-fault insurance law, it can be even worse when injury damages cannot be pursued. Some drivers make sure a vehicle is covered at the time of registration just to let the coverage lapse during the year, which can cause problems if they get into an accident later.
The fact that an opposing negligent driver does not have insurance does not mean that damages for injuries and property cannot be obtained. It just means there is no insurance protection in place as an avenue of financial recovery. Negligent drivers can still be sued for accident damages. The problem is that they often have little to no personal assets that can be attached.
The primary hope in these cases is that they are employed and wages can be garnished at a minimum. Uninsured drivers at fault in a motor vehicle accident can still be sued for compensation, including for real estate property in addition to wage garnishment. One method of avoiding this problem is carrying an uninsured motorist policy on a personal auto policy.
This is a problem that all Illinois MVA attorneys recognize can happen. Even in an accident with multiple vehicles and some who are actually insured, even one uninsured driver who is largely at fault can result in a reduced damage claim for their injured clients. An attorney can help determine the best course of action to take for recovery.