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IL injury lawyerAlmost every state in the country requires drivers to have some sort of car insurance. It is illegal for you to drive without insurance or to have financial responsibility for any damages that may occur while you are driving. Though the laws on the amount of insurance and the type of coverage that you are required to have vary from state to state, many states require that you at least have bodily injury and property damage coverage. Though it is illegal to drive without insurance, many people do--according to the Insurance Information Institute, in 2015, an estimated 13 percent of drivers were uninsured. In Illinois, the number was estimated to be slightly over the national percentage at 13.7 percent. It is important to understand what type of insurance you are required to have in the state of Illinois and what it means if you are in an accident that involves an uninsured or underinsured motorist.

Illinois Insurance Laws

Illinois has established a statewide law on the amount and type of insurance coverage that all drivers must have. According to the Illinois Secretary of State, the minimum requirements for car insurance are:

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IL accident lawyerCar accidents can be scary and traumatic, and the last thing you want to think about is insurance claims, but that should be one of the first things on your mind. You have to begin your claims process almost immediately after a car accident, or you might cause yourself more trouble than the actual accident. Dealing with insurance companies and claims can be stressful, but if you have someone who is well-versed in car accident claims, such as an attorney, you can save yourself some of the anxiety.

Report Your Accident to the Police

The first thing you should do after an accident is report it to police. You should also take note of details of the accident, such as:

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IL car accident lawyerDistracted driving has become a problem in recent years, with the number of crashes involving distracted drivers steadily increasing year after year, according to the Department of Motor Vehicles (DMV). The National Highway Traffic Safety Administration (NHTSA) estimated that 3,477 people were killed in car crashes involving a distracted driver and another 391,000 injured in 2015.

What Is Distracted Driving?

When people talk about distracted driving, oftentimes the conversation revolves around texting and driving, but that’s not the only distraction that could take your mind off the road. The NHTSA has identified three main types of distractions:

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Illinois injury lawyerDriving in the Chicago area at rush hour is anxiety-inducing enough when major throughways such as 90/94, 290, 55, and Lake Shore Drive are facilitating traffic with optimal results. When additional variables are present, such as unexpected temporary lane closures or reductions, the stress, and danger increase. This is especially the case when driving alongside a semi-truck, flatbed carrying wide contents, or an industrial grade vehicle utilized for purposes such as construction, waste management, or agriculture.

The larger, longer, and wider the vehicle, the greater the chance it has of a crossing a lane boundary, especially when weather conditions or city construction has reduced lane sizes. When a boundary is crossed, a collision may occur. Similarly, a chain reaction may occur when one driver panics at the sight of a veering large vehicle, thereby introducing chaos and disarray into traffic and causing an auto accident. When one of these scenarios plays out and personal injuries are suffered, the law allows for victims to pursue monetary damages for medical bills and other losses.

Injuries Sustained in an Accident Involving a Large Vehicle May Be Severe

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Illinois injury lawyerWhen it comes to shouldering responsibility, car accidents may be more complicated than they might initially seem. Complexities may emerge in either the sequence of events leading up to the moment of collision and personal injuries that follow or in the capacities of each driver (and in some cases pedestrians) involved. Your job as a car accident injury victim is not to play detective. Recovering from the harms you have suffered and adjusting your work and other schedules accordingly are your proper focus. Recording every detail of the facts at issue is the territory of law enforcement, and in apportioning blame and imposing liability, the province of an attorney.

Multi-Party Auto Accidents and the Question of Fault

As a Chicago area resident, you are already familiar with the complexity of the city’s system of roads and highways. Take, for example, the frequent site of road construction area where lanes narrow and traffic snarls. Now, factor in winter weather. You are on your way to work as driving lanes on both sides of a median or temporary traffic divider are halved by red cones and a squad of city workers. You adjust accordingly, slowing to the reduced speed limit.

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