I was hit by a red light runner on 11/15 and was rushed to the hospital with left sub dermal hematoma and was in ICU for 2 days. When I get out of the hospital I was told that driver didn't have insurance and now I have to go about suing and trying to get my money back from lost vehicle and med Bill's plus other things. I only had liability but no uninsured BC I couldn't afford the extra cost as I em already running on fumes and barely making it but I take care of my Bill's. I need advice as to how I can get money for destroyed car and pain I have to deal with and lost time at work.
Unfortunately, you left yourself exposed without full coverage. Bad decision.
You can talk to a lawyer to determine if you have any options. There may be insurance that covers the car. There may be other insurance that covers you. Let’s hope so.
You are in a tough situation without uninsured motorist coverage. Nevertheless, I recommend that you reach out to attorney to double check coverage.
You should contact a personal injury attorney in your area to review the insurance coverage situation and advise you what avenues you have with respect to medical bills and treatment. You may not get a lot of good news, but at least you'll have a path.
You should have coverage for your injuries as it is my understanding that Illinois Law requires that there be at least the minimum in every policy for personal injuries. Unfortunately, the only way that you will receive compensation for your vehicle is to
sue the other driver and hope that he has assets. You should be sure to notify the Secretary of State that the other driver didn't have insurance.
Mr. Padove is licensed to practice law in Illinois and Indiana and is located in Highland, Indiana serving the Chicagoland area to Indianapolis. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Padove strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received. If this information has been helpful, please indicate below.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline