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Evanston Uninsured Motorist Accident Lawyer

Getting hit by an uninsured driver is one of the most stressful things that can happen to you on the road. You do everything right, you carry insurance, you follow the rules, and then someone who ignored the law crashes into you and leaves you holding the bill. If this happened to you in Evanston or anywhere in the Chicago area, you need to know your rights and your options. At Briskman Briskman & Greenberg, we help injured people fight back against uninsured drivers and uncooperative insurance companies every day.

The Uninsured Driver Problem in Illinois
Illinois Law and Your Right to Compensation
What to Do After an Uninsured Motorist Accident in Evanston
Damages You Can Recover in an Uninsured Motorist Case
Why Choose Briskman Briskman & Greenberg for Your Evanston Uninsured Motorist Case
FAQs About Evanston Uninsured Motorist Accidents

The Uninsured Driver Problem in Illinois

Uninsured drivers are not a rare problem. They are on the roads of Evanston, Chicago, and every community in between right now. According to a 2025 study by the Insurance Research Council, 15.4 percent of motorists, or more than one in seven drivers, were uninsured as of 2023. That is a startling number when you think about how many cars share the roads along Dodge Avenue, Green Bay Road, and the Evanston stretch of Sheridan Road every single day.

Illinois law is clear about what drivers must carry. Under 625 ILCS 5/7-601, no person may operate or maintain registration of a motor vehicle on a public highway in Illinois unless that vehicle is covered by a liability insurance policy. The law sets minimum coverage amounts for bodily injury, death, and property damage. Despite this, thousands of drivers ignore the requirement every year.

Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident. Uninsured motorist bodily injury coverage covers you for injuries caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. This coverage exists precisely because the law alone does not stop people from driving without insurance. When an uninsured driver hits you near the Evanston Township High School campus or on the busy stretch of Central Street, your own policy may be the only financial protection you have. Knowing how to use that protection is where an experienced attorney becomes essential.

The attorneys at Briskman Briskman & Greenberg understand how these claims work and what it takes to maximize your recovery. If you were hurt by an uninsured driver, do not wait to get legal help. The sooner you act, the better your chances of protecting your rights.

Illinois Law and Your Right to Compensation

Illinois has strong laws designed to protect injured accident victims, and those laws apply fully to uninsured motorist cases. Under the Illinois Insurance Code at 215 ILCS 5/143a, every auto liability policy issued in Illinois must include uninsured motorist coverage at the legal minimum limits. This means your own insurance company is legally required to offer you a path to compensation when the at-fault driver has no coverage.

Illinois also follows rules of joint and several liability under 735 ILCS 5/2-1117. Under this law, all defendants found liable in a negligence case are jointly and severally liable for a plaintiff’s past and future medical and medically related expenses. Any defendant whose fault is 25 percent or greater of the total fault is jointly and severally liable for all other damages as well. This matters in cases where multiple parties may share responsibility for your crash, such as when a poorly maintained intersection near the Chicago-Evanston border contributed to the collision.

Underinsured motorist bodily injury insurance pays the difference between your UIM limits and the liability limits of the at-fault driver if lower than your UIM limits, and Illinois law at 215 ILCS 5/143a-2 requires this type of coverage if you purchase higher limits of uninsured motorist bodily injury coverage. So if the driver who hit you carried only the state minimum but your injuries far exceeded that amount, your underinsured motorist coverage may step in to cover the gap.

Understanding these overlapping laws is not simple. Insurance companies have teams of adjusters and lawyers working to minimize what they pay you. You deserve someone in your corner who knows these statutes just as well. The team at Briskman Briskman & Greenberg can review your policy, identify every available source of compensation, and fight for the full amount you are owed. We serve clients across the Chicago area, including those looking for a Chicago abogado de lesiones personales with a proven record in auto accident cases.

What to Do After an Uninsured Motorist Accident in Evanston

The moments after a crash can feel chaotic. Your adrenaline is pumping, you may be in pain, and the other driver may already be making excuses or even trying to leave the scene. Knowing what steps to take can protect your health and your legal rights at the same time.

First, call 911 immediately. Whether your crash happened near the Evanston Civic Center on Benson Avenue, on the ramp to I-94, or along the lakefront near Lighthouse Beach, you need a police report. That report documents the fact that the other driver had no insurance, which is critical evidence for your claim. Never skip this step, even if the crash seems minor at first.

Second, get medical attention right away. Some injuries, like whiplash, traumatic brain injuries, and internal bleeding, do not show obvious symptoms immediately. A prompt medical evaluation creates a record linking your injuries to the crash. Insurance companies will use any gap in medical treatment to argue your injuries were not serious or were caused by something else.

Third, gather as much information as you can at the scene. Take photos of both vehicles, the road conditions, any traffic signals, and the other driver’s license plate. Get the names and contact information of any witnesses. If the driver flees, try to note the vehicle’s make, model, color, and as many digits of the license plate as possible. This information can help support a hit-and-run claim under your own uninsured motorist policy.

Fourth, contact an attorney before you talk to any insurance company. Uninsured motorist coverage covers you for bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance, but insurance companies will still look for reasons to deny or reduce your claim. An attorney from Briskman Briskman & Greenberg can handle all communications with the insurer on your behalf. We also handle cases for clients in surrounding communities, including those who need a Gurnee car accident lawyer o un Mundelein car accident lawyer.

Damages You Can Recover in an Uninsured Motorist Case

People often assume that if the at-fault driver has no insurance, there is no money to recover. That is not always true. Your own uninsured motorist coverage exists to fill exactly that gap, and in some cases, you may still be able to pursue the uninsured driver personally for damages. The key is knowing what you are entitled to claim.

In an uninsured motorist case in Illinois, you can typically seek compensation for medical expenses, including emergency room visits, surgeries, physical therapy, and future care costs. You can also claim lost wages if your injuries kept you out of work, and lost earning capacity if your ability to work has been permanently affected. Pain and suffering, emotional distress, and loss of enjoyment of life are also recognized forms of damages under Illinois law.

Property damage is a separate matter. Uninsured motorist property damage insurance covers damage to your vehicle caused by an identified, at-fault, uninsured driver. This optional coverage may be purchased with or without collision coverage. If you did not add this endorsement to your policy, your collision coverage may still help repair your car, though a deductible will likely apply.

Do not settle for less than your case is worth. Insurance companies often make early, lowball offers hoping you will accept before you fully understand the extent of your injuries or your legal rights. Briskman Briskman & Greenberg takes time to fully evaluate your damages before recommending any settlement. We also assist clients throughout the region, including those who need an Oak Lawn car accident lawyer or an Orland Park car accident lawyer.

Why Choose Briskman Briskman & Greenberg for Your Evanston Uninsured Motorist Case

Choosing the right attorney after an uninsured motorist accident can make a real difference in the outcome of your case. Not every firm handles these claims the same way, and the details matter. Briskman Briskman & Greenberg has been helping injured people in the Chicago area for decades. We know Cook County courts, we know how Illinois insurance law works, and we know how to push back when an insurer tries to undervalue your claim.

Evanston sits right at the northern edge of Chicago, bordered by the lakefront to the east and connected to the city by busy corridors like Ridge Avenue and Dempster Street. Accidents happen at intersections, on expressway ramps, in parking lots, and on residential streets throughout the area. No matter where your crash occurred, our team can investigate the facts, gather evidence, and build a strong case on your behalf.

We handle uninsured and underinsured motorist claims, hit-and-run cases, and situations where the at-fault driver’s policy limits are simply not enough to cover your losses. We also work with clients across a wide geographic area, including those who need a Champaign car accident lawyer. Our firm handles cases on a contingency fee basis, which means you pay nothing unless we recover compensation for you.

In 2023, 15.4 percent of motorists were uninsured, and from 2017 to 2023, most states saw increasing trends in uninsured motorist rates. That trend shows no sign of reversing. If you were injured by one of these drivers, you should not have to bear the financial burden alone. Contact Briskman Briskman & Greenberg today for a free consultation. We will listen to your story, explain your options, and help you decide on the best path forward.

FAQs About Evanston Uninsured Motorist Accidents

What happens if the driver who hit me had no insurance at all?

You may still have options even if the at-fault driver carried zero insurance. Your own uninsured motorist bodily injury coverage, which Illinois requires all auto policies to include under 215 ILCS 5/143a, can pay for your medical bills, lost wages, and pain and suffering up to your policy limits. In some situations, you may also be able to pursue the uninsured driver personally through a civil lawsuit, though collecting a judgment against an uninsured driver can be difficult. An attorney can help you identify every available source of compensation based on the specific facts of your case.

Does uninsured motorist coverage pay for my car repairs?

Standard uninsured motorist bodily injury coverage only pays for physical injuries, not vehicle damage. To cover repairs to your car after a crash with an uninsured driver, you would need either uninsured motorist property damage coverage or collision coverage on your own policy. Illinois law allows you to purchase uninsured motorist property damage as an optional endorsement. If you are unsure what your policy covers, an attorney can review your declarations page and explain exactly what benefits are available to you.

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 under 735 ILCS 5/13-202, which generally applies to uninsured motorist cases. However, your insurance policy may contain its own deadlines for reporting the accident and making a claim, and those deadlines can be shorter. Missing either deadline can cost you your right to recover. Do not wait to speak with an attorney. The sooner you get legal advice, the better protected your rights will be.

What if the at-fault driver had some insurance but not enough to cover my injuries?

This is called an underinsured motorist situation, and Illinois law addresses it directly. Under 215 ILCS 5/143a-2, if you purchase uninsured motorist bodily injury coverage above the state minimum, your policy must also include underinsured motorist coverage at the same limits. Your underinsured motorist coverage can pay the difference between the at-fault driver’s policy limits and your actual damages, up to your own policy’s limits. These claims can be complicated, and having an attorney handle the process helps ensure you receive the maximum available recovery.

Can I still recover compensation if the other driver fled the scene?

Yes, hit-and-run accidents are typically covered under your uninsured motorist policy in Illinois. The Illinois Department of Insurance confirms that uninsured motorist bodily injury coverage applies when you are injured by a hit-and-run driver. You will generally need to report the accident to police promptly and provide whatever evidence you have of the crash, such as witness statements, traffic camera footage, or photos from the scene. Working with an attorney from the start of a hit-and-run claim helps you build the strongest possible case for your insurer.

More Resources About Vehicle Injuries

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