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Mt. Prospect Uninsured Motorist Accident Lawyer

Getting hit by an uninsured driver is one of the most frustrating things that can happen to you on the road. You did everything right. You have insurance. You followed the rules. And now you’re dealing with medical bills, a damaged car, and a driver who has no coverage to pay for any of it. If this happened to you near Mt. Prospect, along I-90, Route 83, or anywhere in the Chicago metro area, you need to know your rights, and you need a lawyer who will fight to protect them. At Briskman Briskman & Greenberg, we help accident victims across the Chicago area recover the compensation they deserve, even when the at-fault driver has no insurance.

The Uninsured Driver Problem in Illinois Is Real
Illinois Law and Your Uninsured Motorist Coverage Rights
What Compensation Can You Recover After an Uninsured Motorist Accident?
Steps to Take After an Uninsured Motorist Accident Near Mt. Prospect
Why Briskman Briskman & Greenberg Is the Right Choice for Your Case
FAQs About Mt. Prospect Uninsured Motorist Accidents

The Uninsured Driver Problem in Illinois Is Real

You might assume that every driver on the road has insurance. Illinois law requires it. Under 625 ILCS 5/7-601, no person may operate or register a motor vehicle on a public highway in this state without a liability insurance policy. Drivers must also carry proof of that insurance in their vehicle at all times. The law is clear. The reality is different.

In 2023, 15.4 percent of motorists, or more than one in seven drivers, were uninsured, according to a 2025 study by the Insurance Research Council. That is a significant and growing problem. Illinois has an uninsured motorist rate of around 13%, and while the state has effective legislation, issues surrounding economic disparities contribute to the persistent number of uninsured drivers.

Think about what that means on a busy stretch like Rand Road in Mt. Prospect, the Northwest Tollway corridor, or the Tri-State near O’Hare. At any given moment, roughly one in eight or nine drivers around you may have no coverage at all. If one of them causes a crash, you could be left holding the bill for your own injuries, your lost wages, and your damaged vehicle.

The Illinois Department of Transportation reports that thousands of accidents each year involve uninsured or underinsured drivers. Cook County and the surrounding suburbs, including Mt. Prospect, see a high share of those crashes. When you are injured in one of these accidents, the path to compensation is more complicated, but it is far from impossible. A skilled personal injury attorney can help you pursue every available avenue for recovery.

Illinois Law and Your Uninsured Motorist Coverage Rights

Illinois does not leave you completely unprotected when an uninsured driver hits you. The state requires your own insurance policy to include uninsured motorist coverage. Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident. This coverage steps in when the at-fault driver cannot pay.

Illinois requires uninsured motorist coverage to protect you and your passengers if you’re injured by an uninsured driver or in a hit-and-run. As with regular bodily injury liability coverage, the minimum limit is 25/50, though you can choose to raise that coverage for additional protection from extensive out-of-pocket expenses after a serious accident. This coverage helps pay for medical bills and related expenses that would otherwise fall to you.

Your uninsured motorist (UM) claim is essentially a claim against your own insurance company. You are asking your insurer to pay what the at-fault driver should have paid. That sounds simple, but insurers often push back. They may dispute the severity of your injuries, challenge who was at fault, or offer a settlement that is far below what your case is worth.

Illinois also has important rules about fault. Under 735 ILCS 5/2-1116, Illinois follows a modified comparative negligence standard. This means you can recover damages as long as you are not more than 50% at fault. However, your compensation is reduced in proportion to your share of fault. So if an insurer argues that you were 20% responsible for the crash, your recovery is reduced by 20%. Having an attorney on your side helps make sure the insurer does not inflate your share of fault to reduce what they owe you.

Whether you were hit on Elmhurst Road, near the Randhurst Village shopping area, or on the Tri-State Tollway heading toward O’Hare International Airport, these rules apply to your case. As a Chicago abogado de lesiones personales team, Briskman Briskman & Greenberg understands how these laws work and how to use them in your favor.

What Compensation Can You Recover After an Uninsured Motorist Accident?

When you file an uninsured motorist claim, you are not limited to just your medical bills. Illinois law allows you to seek full compensation for all the ways the accident has affected your life. In an uninsured motorist claim, you can seek compensation for medical expenses including hospital bills, surgeries, medications, and rehabilitation costs. Lost wages are also covered if you’re unable to work due to your injuries. Compensation may be available for the emotional and physical pain caused by the accident. Illinois also allows drivers to purchase uninsured motorist property damage (UMPD) coverage, which can cover vehicle repairs and other property damage caused by an uninsured driver.

Beyond these categories, you may also have a claim for future medical expenses if your injuries require ongoing treatment. Permanent disability, scarring, and loss of quality of life are also compensable damages in Illinois. These are the types of losses that add up quickly after a serious accident, especially if your injuries keep you out of work for weeks or months.

Illinois joint and several liability rules under 735 ILCS 5/2-1117 are also relevant when multiple parties may share responsibility for your accident. Under this law, all defendants found liable are jointly and severally liable for past and future medical expenses. Any defendant whose fault is 25% or greater is jointly and severally liable for all other damages as well. This matters when there are additional parties, such as a negligent vehicle owner or a third party, who may share responsibility for the crash.

Do not assume that the minimum policy limits are enough. A serious accident involving broken bones, a traumatic brain injury, or spinal damage can easily generate medical bills that exceed $25,000 per person. Briskman Briskman & Greenberg will work to identify every source of compensation available to you, including your own UM and underinsured motorist (UIM) coverage. We also serve clients in surrounding communities. If you were hurt in a neighboring area, our Mundelein car accident lawyer team and our Gurnee car accident lawyer team are ready to help.

Steps to Take After an Uninsured Motorist Accident Near Mt. Prospect

What you do in the hours and days after an accident can make a big difference in your case. Here is what we recommend if you are hit by an uninsured driver near Mt. Prospect, whether it happens on Algonquin Road, near the Mt. Prospect Metra station, or on I-90 heading toward downtown Chicago.

First, call the police and make sure a report is filed. A police report is critical for your UM claim, especially if the other driver flees the scene. Hit-and-run accidents are treated as uninsured motorist incidents under Illinois law, and most policies require you to report the crash to police promptly. UM usually applies to hit-and-runs, but file a police report promptly because most policies require it.

Second, gather as much evidence as possible. Take photos of the scene, your vehicle, and your injuries. Get the names and contact information of any witnesses. If there are traffic cameras nearby, note their locations. All of this evidence supports your claim.

Third, seek medical attention right away, even if you feel okay. Some serious injuries, like concussions or soft tissue damage, do not show obvious symptoms immediately. A gap in medical treatment can give an insurer grounds to argue that your injuries were not serious or were not caused by the accident.

Fourth, notify your own insurance company of the accident. You are required to cooperate with your insurer, but be careful about what you say. Do not give a recorded statement without first speaking to an attorney.

Finally, contact Briskman Briskman & Greenberg. We offer free consultations and handle uninsured motorist cases on a contingency fee basis, which means you pay nothing unless we recover compensation for you. We also help clients throughout the region, including those who need an Oak Lawn car accident lawyer or an Orland Park car accident lawyer.

Why Briskman Briskman & Greenberg Is the Right Choice for Your Case

Uninsured motorist cases are not always straightforward. Your own insurance company has an interest in paying out as little as possible. They have adjusters, lawyers, and years of experience handling these claims. You deserve someone in your corner who knows how to push back.

At Briskman Briskman & Greenberg, we have spent decades representing injured people throughout the Chicago area, including communities like Mt. Prospect, Arlington Heights, Des Plaines, and beyond. We know the local roads, the local courts, and the tactics that insurance companies use to undervalue legitimate claims. Whether your case involves a crash on the Eisenhower Expressway, near Woodfield Mall in Schaumburg, or on a residential street in Mt. Prospect, we are prepared to handle it.

We understand Illinois law inside and out. We know how comparative fault arguments work. We know how to document your damages, work with medical experts, and build a case that demonstrates the full value of what you have lost. We also serve clients across a wide geographic area. If you were injured farther from Chicago, our Champaign car accident lawyer team can help as well.

The statute of limitations for personal injury claims in Illinois is generally two years from the date of the accident. That clock starts ticking right away. Waiting too long can mean losing your right to recover anything at all. Do not let that happen. Contact Briskman Briskman & Greenberg today for a free, no-obligation consultation. There is no fee unless we win your case.

FAQs About Mt. Prospect Uninsured Motorist Accidents

What should I do if the driver who hit me has no insurance?

Call the police and get a report filed at the scene. Then notify your own insurance company about the accident. Your own uninsured motorist (UM) coverage can step in to pay for your injuries and related losses when the at-fault driver has no coverage. You should also contact a personal injury attorney before giving any recorded statement to your insurer, since the claims process can be more adversarial than you might expect.

Does Illinois require uninsured motorist coverage on every auto policy?

Yes. Under the Illinois Insurance Code (215 ILCS 5/143a), every auto liability policy issued in Illinois must include uninsured motorist coverage. Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident. You can purchase higher limits for greater protection, and doing so is strongly recommended given how quickly medical costs can add up after a serious crash.

Can I still recover compensation if I was partially at fault for the accident?

Yes, in most cases. Illinois follows a modified comparative negligence rule under 735 ILCS 5/2-1116. You can recover damages as long as your share of fault does not exceed 50%. Under these rules, you can collect from an at-fault driver only if you are less than 50% at-fault for the accident. In addition, you can only collect for damages in proportion to the amount of fault attributable. For example, if you are involved in an accident and the judge determines you are 20% at-fault, you can collect from the other driver but cannot collect any more than 80% of your damages.

What if the uninsured driver hit me and then fled the scene?

Hit-and-run accidents are treated as uninsured motorist incidents under Illinois law. Your UM coverage can apply in these situations. The key is to report the accident to the police right away and document everything you can, including witness information, photos, and any available camera footage. Most insurance policies require you to file a police report promptly as a condition of making a UM claim for a hit-and-run.

How long do I have to file an uninsured motorist claim in Illinois?

Illinois has a two-year statute of limitations for personal injury claims, which generally runs from the date of the accident. However, your insurance policy may have its own shorter deadlines for reporting accidents and demanding UM arbitration. Missing either deadline can cost you your right to recover. Contact Briskman Briskman & Greenberg as soon as possible after your accident so we can make sure all deadlines are met and your rights are fully protected.

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Briskman Briskman & Greenberg Personal Injury & Car Accident Lawyers (BBG) is a legal team you want on your side.

Llevaron mi caso de manera profesional, sensible y muy competente. El personal muestra experiencia en el ámbito jurídico y proporcionó un excelente apoyo y atención al cliente. Gracias BBG por su ayuda con la navegación de un caso muy sensible y difícil para mi familia.

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Estoy muy satisfecha con la representación de BB&G.

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Fueron extremadamente receptivos, profesionales y compasivos durante todo el proceso. Sus habilidades de negociación fueron excepcionales, y fueron capaces de asegurar un acuerdo que superó con creces mis expectativas. Estoy agradecido de haber tenido un equipo tan dedicado".