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Do you need to sue after an accident in Illinois?
I was in a car accident and wasn't at fault. My car is damaged and I also have medical bills from the accident. Will I need to sue the other driver to get the damages covered?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s never a requirement to pursue legal action after an accident in Illinois or any other state. In most cases, your
Illinois
car insurance policy or the other driver’s insurance will cover the damages done and expenses you may have.If insurance won’t provide coverage for any of your damages or injuries, you could decide to pursue legal action. However, it’s your choice.
Since you weren’t at fault, the other driver’s
bodily injury liability
and property damage liability
should cover your medical expenses and damage to your vehicle. Drivers in Illinois are required to carry liability coverage as per Illinois' car insurance laws
.If they don’t have enough coverage on their policy to cover your injuries or damages, your own policy may be able to cover the remaining amount. If not, you could sue to recover any out of pocket costs in relation to your injuries or property damage.
To avoid being on the receiving end of a lawsuit, you may also want to hop on the free
Jerry
app to increase the coverage on your car insurance. Compared to what you might pay in a lawsuit, a slight increase in your premium is worth it.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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