Not worth suing an uninsured person for the deductible. Your carrier may try to recoup what it paid out from him, but doubtfully.
This is why we have insurance.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
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You will probably get the money back, eventually, but you do NOT need to sue him. His license will be pulled after an administrative Hearing unless enters into a repayment agreement with your insurance carrier. Your insurance carrier is obligated to repay you.
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Call Illinois Department of Transportation and report the lack of insurance. Eventually, this lack of insurance will be certified by or to Secretary of State. You may find out this person does have insurance or assets to pay so he or she can keep their license. Consider hiring an attorney to handle your claim. Reporting individuals to IDOT helps keep such drivers off the road or insured. This will help you prove lack of insurance if you have any injuries if you make an underinsured motorists claim.
On the auto damage claim, make sure to follow up with the state of Illinois Department of Transportation so that the driver's license of the other driver is revoked. Also, contact the county state's attorney's office and file a complaint so that the other driver will be charged with driving without insurance. He will then be required to appear in court and pay a substantial fine. If you were injured, you should have Uninsured Motorist (UM) coverage with your own insurance company. You can check the Declarations Page of the policy to see how much UM coverage you have. That type of coverage is to compensate you for your injuries. Most attorneys will be willing to represent you on a contingency fee basis if you were injured and have UM coverage.
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