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Tinley Park Uninsured Motorist Accident Lawyer

If you have been hit by an uninsured driver in Tinley Park or anywhere in the Chicago area, you already know how stressful the situation can be. Medical bills pile up. Your car may be totaled. And the person who caused all of this? They have no insurance. You may feel like you have nowhere to turn, but that is not true. At Briskman Briskman & Greenberg, we help injured people across the Chicago area fight for the compensation they deserve, even when the at-fault driver has no coverage. Our team is ready to help you understand your rights and take action.

The Uninsured Driver Problem in Illinois and Tinley Park
What Illinois Law Says About Your Rights After an Uninsured Motorist Accident
What Damages Can You Recover in a Tinley Park Uninsured Motorist Claim?
Why You Need a Lawyer for Your Uninsured Motorist Claim
Steps to Take After an Uninsured Motorist Accident in Tinley Park
FAQs About Tinley Park Uninsured Motorist Accident Claims

The Uninsured Driver Problem in Illinois and Tinley Park

Tinley Park sits along the I-80 and I-57 corridors in Cook County, two of the busiest highway systems in all of Illinois. Thousands of cars pass through this community every single day. With that much traffic, the odds of encountering an uninsured driver are real. According to a 2025 study by the Insurance Research Council, 15.4 percent of motorists, or more than one in seven drivers, were uninsured in 2023. That is a serious number. Think about every car you pass on your morning commute. One out of every seven could be driving without insurance.

From 2017 to 2023, most states saw increasing trends in uninsured motorist rates. Illinois is no exception. Approximately 13% of Illinois drivers are uninsured. The Illinois Department of Transportation tracks crash data across every county, and Cook County, which includes Tinley Park, consistently reports a high volume of accidents involving uninsured and underinsured drivers.

Why do so many people drive without insurance? Financial hardship is a significant factor, but it does not protect you when one of those drivers runs a red light at Oak Park Avenue or rear-ends you near the Tinley Park Metra station. When that happens, you need a plan. You need someone in your corner who knows Illinois law and knows how to get you paid.

Illinois law under 625 ILCS 5/7-601 requires liability insurance for motor vehicles designed to be used on public highways, with certain exemptions specified in the statute. Yet thousands of drivers ignore this requirement every day. When they cause accidents, victims are left scrambling. That is where Briskman Briskman & Greenberg steps in as your Chicago abogado de lesiones personales.

What Illinois Law Says About Your Rights After an Uninsured Motorist Accident

Illinois has strong protections for accident victims who are hit by uninsured drivers. You do not have to simply absorb the financial blow. Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident. This means your own insurance policy is required to include this coverage, and you can file a claim against your own policy when the at-fault driver has no insurance.

According to the Illinois Insurance Code (215 ILCS 5/143a), every auto liability policy issued in the state must include Uninsured Motorist (UM) coverage at the legal minimum limits. So even if the driver who hit you near Tinley Park Convention Center or on 167th Street has no coverage, your own policy may step in to cover your medical bills, lost wages, and pain and suffering.

Illinois also follows a modified comparative fault rule under 735 ILCS 5/2-1116. Under this law, you can still recover damages as long as you are not more than 50% at fault for the accident. If a jury finds you 20% at fault, your total damages are simply reduced by that 20%. This is important because insurance companies sometimes try to shift blame onto accident victims to reduce what they owe. A skilled attorney can push back against those tactics.

Illinois also has joint and several liability rules under 735 ILCS 5/2-1117. If multiple parties share fault for your crash, any defendant who is found to be 25% or more at fault can be held jointly and severally liable for all damages. This matters in complex multi-vehicle crashes where more than one driver contributed to your injuries.

If you were injured and the driver fled the scene, hit-and-run accidents are also covered under your uninsured motorist policy. If the at-fault driver flees the scene and cannot be identified, they are treated as uninsured, and your UM coverage may provide compensation. If you are struck by an uninsured driver while walking or biking, your UM coverage may still apply.

What Damages Can You Recover in a Tinley Park Uninsured Motorist Claim?

People often assume that being hit by an uninsured driver means they will walk away with nothing. That is simply not the case. Through your own uninsured motorist coverage, and sometimes through direct legal action against the at-fault driver, you may be able to recover significant compensation. The question is: what are you entitled to?

In an uninsured motorist claim, you can seek compensation for medical expenses including hospital bills, surgeries, medications, and rehabilitation costs. If you are unable to work due to your injuries, UM coverage can compensate for lost income. Compensation may also be available for the emotional and physical pain caused by the accident. Illinois also allows drivers to purchase uninsured motorist property damage coverage, which can cover vehicle repairs and other property damage caused by an uninsured driver.

Think about what a serious crash on I-80 near the Tinley Park area could mean for your family. Emergency room visits, follow-up surgeries, physical therapy, missed paychecks, and months of pain. These losses add up fast. The state minimum UM coverage of $25,000 per person may not be enough to cover everything. That is exactly why you need an attorney reviewing your case.

Beyond your UM policy, there may be other avenues for recovery. If the at-fault driver has personal assets, your attorney may pursue them directly. If a third party, such as a negligent vehicle owner or a business, contributed to the accident, they may also be liable. At Briskman Briskman & Greenberg, we look at every possible source of compensation for our clients. We serve clients throughout the region, including those who need an Orland Park car accident lawyer or an Oak Lawn car accident lawyer.

Why You Need a Lawyer for Your Uninsured Motorist Claim

You might think filing a UM claim with your own insurance company is easy. After all, they are your insurer, right? They are on your side. But that is not always how it works in practice. Insurance companies, even your own, have a financial interest in paying out as little as possible. They may dispute the severity of your injuries, question whether the other driver was truly uninsured, or argue about what your policy actually covers.

UM claims often go to arbitration in Illinois. This is a formal process where both sides present their case to a neutral arbitrator, who then decides the outcome. Without an attorney, you may not know how to prepare for arbitration, what evidence to gather, or how to value your claim properly. A single mistake in this process can cost you thousands of dollars.

There are also strict deadlines to watch. Illinois has a two-year statute of limitations for personal injury claims under 735 ILCS 5/13-202. Your UM policy may have its own shorter deadlines for demanding arbitration. Missing these deadlines can bar your claim entirely, no matter how strong it is.

Insurance adjusters are trained professionals. They handle these claims every day. You should have a trained professional on your side too. Briskman Briskman & Greenberg has been handling personal injury cases in the Chicago area for decades. We know how insurance companies operate, and we know how to build a strong case on your behalf. We also serve clients in surrounding communities who need a Mundelein car accident lawyer, a Gurnee car accident lawyero un Champaign car accident lawyer.

Steps to Take After an Uninsured Motorist Accident in Tinley Park

What you do right after the crash matters. The steps you take in the hours and days following your accident can make or break your claim. Here is what you should do if you are hit by an uninsured driver in Tinley Park or anywhere in the Chicago area.

Call the police right away. Get an official police report filed. This document is critical evidence. It records the other driver’s information, confirms their lack of insurance, and documents the scene. Illinois law under 625 ILCS 5/11-401 requires drivers involved in crashes to remain at the scene and provide information. If the other driver fled, tell the police immediately. A hit-and-run still qualifies as an uninsured motorist situation under your UM policy.

Seek medical care immediately. Even if you feel okay, see a doctor that same day. Some injuries, like soft tissue damage or internal bleeding, do not show obvious symptoms right away. A gap in medical treatment gives the insurance company an argument that you were not really hurt. Document everything.

Gather evidence at the scene. Take photos of the vehicles, the road, traffic signs, and any visible injuries. Get the names and phone numbers of any witnesses. If there are businesses nearby, like those along Oak Park Avenue or near Tinley Park’s downtown, ask whether they have surveillance cameras that may have captured the crash.

Notify your insurance company promptly. You have an obligation under your policy to report the accident. But be careful about what you say. Do not give a recorded statement or accept any settlement offer before speaking with an attorney.

Contact Briskman Briskman & Greenberg. The sooner you get legal help, the better. We offer free consultations and work on a contingency fee basis, meaning you pay nothing unless we recover money for you. Call us and let us review your case.

FAQs About Tinley Park Uninsured Motorist Accident Claims

Can I sue an uninsured driver directly in Illinois?

Yes, you can file a lawsuit directly against an uninsured driver. However, the practical challenge is that many uninsured drivers do not have significant assets to pay a judgment. That is why your own UM coverage is often the most reliable path to compensation. An attorney can evaluate whether pursuing the at-fault driver directly makes financial sense in your specific case, while also maximizing your UM claim at the same time.

What if the uninsured driver was partially at fault but so was I?

Illinois uses a modified comparative fault rule under 735 ILCS 5/2-1116. As long as you are not more than 50% responsible for the accident, you can still recover damages. Your total award is reduced by your percentage of fault. For example, if you are found 25% at fault and your total damages are $100,000, you would recover $75,000. An attorney can help minimize any fault attributed to you during the claims process.

Does uninsured motorist coverage apply to hit-and-run accidents in Tinley Park?

Yes. Under Illinois law and standard UM policy terms, a hit-and-run driver is treated as an uninsured motorist. This means your UM coverage can apply even if the driver who hit you was never identified. You will generally need to report the accident to the police promptly and provide documentation that a vehicle actually caused the crash. An attorney can help you meet these requirements and protect your claim.

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

The general statute of limitations for personal injury claims in Illinois is two years from the date of the accident under 735 ILCS 5/13-202. However, your specific insurance policy may have shorter deadlines for demanding arbitration on a UM claim. Missing these internal policy deadlines can result in losing your right to compensation entirely. Contact an attorney as soon as possible after your accident so no deadlines are missed.

What if the other driver had some insurance, but not enough to cover my injuries?

This situation is covered by underinsured motorist (UIM) coverage, not standard UM coverage. Under Illinois law, if you purchase UM limits higher than the state minimum, your policy must also include UIM coverage in an equal amount. UIM coverage kicks in when the at-fault driver’s policy limits are exhausted but your damages exceed what their policy paid. Briskman Briskman & Greenberg handles both UM and UIM claims and can help you recover the maximum amount available under all applicable policies.

More Resources About Vehicle Injuries

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