Is Illinois a No-Fault State for Car Insurance?

Illinois is not a no-fault state when it comes to car insurance coverage. Instead, it is a tort state. When a car accident occurs, one driver must be determined to be at fault. This person’s insurance company is responsible for paying for the cost of any injuries or damages incurred as a result of the accident.

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Injured people have the right to sue to for compensation for their injuries. After the accident, they can make claims for pain and suffering, medical bills, lost wages and other expenses incurred as a result of the accident. Funeral expenses are also lumped in with the benefits payable under bodily injury liability insurance.

If you are the at-fault driver in a car accident,  your insurance company may designate an attorney to represent you in the matter. This is part of the protection you pay for when you pay your premiums, and the attorney will be attempting to settle the lawsuit in a timely manner, if possible. The last thing you want is for things to drag on unnecessarily as well.

Ideally, you want to be sure that you have enough insurance to cover any claims made against you by an injured person. Having the most coverage in place that you can afford is the best way to protect yourself if you are involved in an at-fault accident.

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