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Aurora, IL Uninsured Motorist Accident Lawyer

Getting hit by an uninsured driver is one of the most frustrating situations you can face on the road. You did everything right. You have insurance. You drive carefully. And then someone without a policy slams into your car near the Fox Valley Mall on Route 59, or cuts you off on I-88 heading into Aurora, and suddenly you’re dealing with medical bills, a damaged vehicle, and a driver who has nothing to offer you. This happens to Illinois drivers far more often than most people realize. If you’ve been in this situation, you need to know your rights, and you need a legal team that will fight for every dollar you deserve.

Uninsured Drivers Are a Real Problem in Aurora and Across Illinois
What Illinois Law Requires, and What It Means for You
How Illinois Joint and Several Liability Rules Affect Your Case
Steps to Take After an Uninsured Motorist Crash in Aurora
What Compensation Can You Recover in an Uninsured Motorist Case?
Why Briskman Briskman & Greenberg Is the Right Choice for Your Aurora Case
FAQs About Aurora, IL Uninsured Motorist Accidents

Uninsured Drivers Are a Real Problem in Aurora and Across Illinois

Aurora is Illinois’ second-largest city, sitting at the junction of Kane, DuPage, Kendall, and Will counties. With major roads like I-88, Route 30, and Route 59 running through the area, traffic is heavy and accidents happen daily. What makes many of these crashes especially difficult is the number of drivers who simply don’t carry insurance.

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 (IRC). That’s a significant number. Think about the last time you sat in traffic on Farnsworth Avenue or waited at the light near Aurora’s downtown Riverwalk area. Statistically, one or more of the cars around you may have had no insurance at all.

In 2023, more than one in seven drivers nationally were uninsured, and more than one in six were underinsured. Across all fifty states and the District of Columbia, one in three drivers were either uninsured or underinsured, a 10 percentage point increase in the combined rate since 2017. These numbers show a clear trend. The problem is getting worse, not better.

Illinois law is clear about what every driver must carry. Under 625 ILCS 5/7-601, no person may operate or register a motor vehicle in this state without a liability insurance policy. Yet thousands of drivers ignore this requirement every single day. When one of them hits you, your options for recovery become more limited, and the steps you take right after the crash matter more than ever.

If you’ve been hurt in Aurora or anywhere in the Chicago metro area by an uninsured driver, contact Chicago abogado de lesiones personales team at Briskman Briskman & Greenberg. We know how these cases work and we’re ready to help.

What Illinois Law Requires, and What It Means for You

Illinois doesn’t just require basic liability coverage. It also requires that your own policy include uninsured motorist protection. This is an important distinction that many drivers don’t fully understand until they need it.

Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident. These limits are built into every auto policy issued in the state. Illinois law also requires uninsured motorist bodily injury coverage as part of all liability insurance policies. You cannot legally waive this coverage, which is actually good news for accident victims.

Uninsured motorist bodily injury coverage covers you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. So if a driver rear-ends you on New York Street in Aurora and drives off, or if the at-fault driver simply has no policy, your own insurance is supposed to step in and cover your losses.

But here’s the catch. 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. If you only carry the minimum $25,000 in UM coverage, and your medical bills from a serious crash total $80,000, you have a serious problem. The minimum limits are often not enough to cover real-world accident injuries.

While uninsured motorist coverage is required by Illinois, it only covers bodily injury. To have your property protected, you must purchase uninsured motorist property damage coverage separately. Many drivers in Aurora and across Illinois don’t realize this until after a crash leaves their car totaled and their property damage claim denied.

Understanding your own policy before an accident happens is critical. After an accident, an attorney can review your coverage and help you pursue every available avenue for compensation. Briskman Briskman & Greenberg can help you understand what your policy actually covers and fight your insurance company if it tries to underpay your claim.

How Illinois Joint and Several Liability Rules Affect Your Case

When an uninsured driver hits you, your legal options don’t always stop with your own UM coverage. In some situations, there may be other parties who share responsibility for the crash. Illinois law gives you tools to pursue them.

En 735 ILCS 5/2-1117, 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. This means that if more than one party shares fault for your crash, each one can be held responsible for covering your medical costs. For example, if a poorly maintained stretch of road near the Eola Road corridor contributed to the accident, the responsible government entity might share liability.

The statute also provides that any defendant whose fault is 25% or greater of the total fault is jointly and severally liable for all other damages, not just medical expenses. A defendant whose fault is less than 25% is only severally liable for non-medical damages. This distinction matters when you’re trying to collect from multiple parties in a complex crash.

What does this mean practically? It means your attorney needs to look at the full picture. Was the road defective? Was a traffic signal malfunctioning? Was a vehicle defectively manufactured? Any of these factors could open the door to additional defendants who do carry insurance and can actually pay a judgment. At Briskman Briskman & Greenberg, we investigate every angle to make sure no potential source of recovery is overlooked.

We also handle cases throughout the broader Chicago area. If you were hurt in a crash outside of Aurora, our team works with clients in many communities. You can also reach out to our Champaign car accident lawyer team or our Gurnee car accident lawyer team for help closer to home.

Steps to Take After an Uninsured Motorist Crash in Aurora

The moments after a crash with an uninsured driver are chaotic. Your adrenaline is up. You might be in pain. You may not know the other driver has no insurance until you’re already at the scene. Knowing what to do in those first minutes and hours can make a real difference in how your case turns out.

First, call 911. Aurora police and Kane County emergency services respond to crashes throughout the city, from the Westfield Fox Valley area to the neighborhoods near Phillips Park. A police report creates an official record of the crash and documents whether the other driver had insurance. This report becomes a key piece of evidence in your claim.

Second, get medical attention right away. Even if you feel okay, some injuries, like whiplash, internal bleeding, or traumatic brain injuries, don’t show symptoms immediately. Seeing a doctor creates a medical record that connects your injuries to the crash. Without this, insurance companies will argue that your injuries happened somewhere else.

Third, gather information at the scene. Take photos of both vehicles, the road conditions, any traffic signs, and visible injuries. Get the names and contact information of any witnesses. If the other driver does not have insurance, document that fact as clearly as possible.

Fourth, notify your own insurance company, but be careful about what you say. Insurance adjusters work for the company, not for you. Their job is to limit payouts. You have the right to speak with an attorney before giving a recorded statement, and you should use that right.

Finally, call Briskman Briskman & Greenberg. We serve clients in Aurora and throughout the Chicago metro area. Our team also includes a Mundelein car accident lawyer and an Oak Lawn car accident lawyer to serve communities across the region.

What Compensation Can You Recover in an Uninsured Motorist Case?

One of the first questions people ask after a crash is: what can I actually recover? The answer depends on the facts of your case, but Illinois law allows accident victims to pursue a wide range of damages through both UM claims and personal injury lawsuits.

Medical expenses are typically the largest category of damages. This includes emergency room visits, hospital stays, surgeries, physical therapy, prescription medications, and future medical care. If your injuries require long-term treatment, those future costs need to be accounted for in your claim. Aurora’s Advocate Condell Medical Center and Rush Copley Medical Center are common treatment locations for local accident victims, and the costs of care at these facilities can add up quickly.

Lost wages are another major component. If your injuries keep you out of work, you deserve compensation for the income you’ve lost. If your injuries affect your ability to earn money in the future, that loss of earning capacity is also recoverable.

Pain and suffering damages cover the physical pain and emotional distress that come with serious injuries. These are real losses, even though they don’t come with a bill. Illinois courts recognize them as compensable, and a skilled attorney can help you document and present these damages effectively.

Property damage is also recoverable. If your car was totaled or damaged in the crash, you deserve compensation for repair or replacement costs. Remember, as noted earlier, basic UM coverage in Illinois only covers bodily injury. You may need to pursue property damage through other avenues, including collision coverage or a separate UMPD policy.

In some cases, punitive damages may also be available, though they are less common in standard UM cases. Our team also serves the south and southwest suburbs. If you live in that area, our Orland Park car accident lawyer team is ready to help you understand your options and pursue the full compensation you deserve.

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

Choosing the right attorney after an uninsured motorist accident is one of the most important decisions you’ll make. You need someone who knows Illinois personal injury law, understands how insurance companies operate, and has the experience to take your case to arbitration or trial if necessary.

Briskman Briskman & Greenberg has been serving Illinois accident victims for decades. Our firm handles uninsured and underinsured motorist claims regularly. We know the tactics insurance companies use to minimize or deny UM claims, and we know how to counter them. Whether your case settles through negotiation or goes to arbitration, we fight for the maximum compensation the law allows.

We work on a contingency fee basis. That means you pay nothing unless we recover money for you. There are no upfront costs and no hourly fees. You can focus on recovering from your injuries while we handle the legal work.

Aurora residents who have been hurt in crashes near landmarks like the Hollywood Casino, the Aurora Transportation Center, or anywhere along the I-88 corridor deserve strong legal representation. The roads in and around Aurora are busy, and accidents involving uninsured drivers happen more often than they should. You shouldn’t have to bear the financial burden of someone else’s negligence.

Call Briskman Briskman & Greenberg today for a free consultation. We’ll review the facts of your case, explain your options, and tell you exactly what we think your claim is worth. There’s no obligation, and there’s no risk. Let us put our knowledge of Illinois personal injury law to work for you.

FAQs About Aurora, IL Uninsured Motorist Accidents

What should I do immediately after being hit by an uninsured driver in Aurora, IL?

Call 911 and get a police report filed right away. Document the scene with photos, gather witness information, and seek medical attention even if you feel fine. Notify your own insurance company, but speak with an attorney before giving any recorded statements. An attorney can help protect your rights from the very beginning of the claims process.

Can I still recover compensation if the at-fault driver has no insurance and no assets?

Yes. Your own uninsured motorist coverage is designed exactly for this situation. Illinois law requires all auto policies to include UM coverage, so you can file a claim with your own insurer. An attorney can also investigate whether any other parties share liability for the crash, which may open up additional sources of compensation beyond your UM policy.

Does Illinois uninsured motorist coverage apply to hit-and-run accidents?

Yes. Illinois uninsured motorist coverage covers you if you are injured by a hit-and-run driver who cannot be identified, in addition to crashes with drivers who simply have no insurance. Filing a police report promptly is important in hit-and-run situations, as most policies require it as a condition of coverage.

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 applies to UM claims as well. However, your insurance policy may have its own notice and filing deadlines that are shorter. It’s important to contact an attorney as soon as possible after your accident to make sure you don’t miss any critical deadlines that could affect your ability to recover compensation.

Will my insurance rates go up if I file an uninsured motorist claim in Illinois?

Filing a UM claim does not automatically mean your rates will increase. Illinois law and most policy terms treat UM claims differently from at-fault claims, since you were the victim of another driver’s negligence. That said, every insurer handles this differently. An attorney can help you understand your policy terms and advise you on the best approach to protecting both your claim and your coverage going forward.

More Resources About Vehicle Injuries

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