Rockford Uninsured Motorist Accident Lawyer

Helping Victims of Uninsured Motorist Accidents Pursue Compensation

A Rockford uninsured motorist accident lawyer helps victims navigate the challenges of being hit by an uninsured driver. Without the at-fault party’s insurance to cover damages, victims must rely on their own insurance company policies to seek compensation.

Rosenfeld Injury Law serves clients throughout Northern Illinois, guiding them through the claims process and fighting for the financial recovery they deserve after a car accident.

Verdicts and Settlements from Our Uninsured Motorist Accidents in Rockford

With a proven history of helping car crash victims, our Rockford auto accident lawyers have recovered millions for those injured by drivers without insurance and hit-and-run motorists, including:

• $2,250,000 settlement – Secured for a commuter who suffered a head injury after being struck while biking to work. The settlement was obtained through her uninsured motorist (UM) coverage, ensuring she received compensation despite the driver’s lack of insurance.
• $250,000 settlement – Recovered for a mother who was rear-ended on a suburban street, suffering a shattered patella that required surgery. An investigation revealed that the negligent driver’s insurance had lapsed before the crash, allowing the claim to be resolved through her own insurance.
• $250,000 settlement – Obtained for a businessman and bicycle shop manager injured in a hit-and-run bicycle accident. Since the other driver was never identified, he recovered compensation through his UM policy.

Illinois Law and Uninsured Motorist Accidents: Criminal and Civil Consequences

In Illinois, drivers are legally required to have liability insurance, but many operate vehicles without coverage. Under 625 ILCS 5/7-601, driving uninsured is illegal and can result in fines, license suspension, and other penalties.

Illinois law mandates uninsured motorist coverage in every auto insurance policy to protect victims. This allows accident victims to seek compensation through their insurance if the at-fault driver lacks proper coverage.

What to Do Immediately After an Uninsured Motorist Accident in Rockford

Taking the proper steps after a car crash involving a driver without insurance can help protect your health and strengthen your claim:

• Move away from traffic and get to a safe location.
• Call 911 to report the accident and request emergency assistance.
• Note the negligent driver’s vehicle’s make, model, color, and license plate.
• Look for witnesses and get their names and contact information.
• Take photos and videos of vehicle damage, road conditions, and injuries.
• Seek medical attention regardless if you feel fine, as some injuries may not show symptoms immediately.
• Avoid discussing blame until speaking with a Rockford personal injury lawyer.

Our Law Firm’s Commitment to Serving Rockford Uninsured Motorist Accident Victims

Even if the negligent party has no coverage, we assist victims in filing claims through their uninsured motorist coverage. Our Rockford car crash lawyers help clients seek compensation for serious injuries such as traumatic brain injuries, spinal cord damage, internal organ damage, and other catastrophic injuries.

An attorney is especially important when insurers try to deny claims, undervalue injuries, or delay payments.

Investigating an Accident Involving an Uninsured Motorist

A thorough investigation is essential when a car accident involves an uninsured driver or a hit-and-run. Our Rockford car crash lawyers work to gather evidence that supports your claim.

We start by obtaining the police report and reviewing traffic camera footage, dashcam videos, and surveillance recordings from nearby businesses. Witness statements can help identify the negligent driver, while accident reconstruction experts analyze vehicle damage and skid marks to determine what happened.

If the driver is never found, we help victims file a claim through their insurance under UM coverage to seek compensation for getting their vehicle fixed, medical bills, and other damages.

Potential Compensation for Rockford Uninsured Motorist Car Accident Victims

Victims of accidents involving uninsured motorists may be entitled to compensation for both economic and non-economic damages, including:

• Past and future medical expenses;
• Lost income;
• Property damage;
• Emotional distress;
• Pain and suffering;
• Loss of enjoyment of life;
• Wrongful death damages in cases of fatalities.

Why You Need a Rockford Uninsured Motorist Accident Attorney

Filing a claim after a car crash involving an uninsured or underinsured driver can be complicated. Insurers often try to minimize payouts, even when you’re using your UM coverage. A Rockford personal injury lawyer can handle negotiations, ensuring you receive fair compensation for bodily injury and property damage.

An attorney will gather accident reports, witness statements, and medical records to strengthen your claim. If the insurance company refuses a fair settlement, your lawyer can take legal action to fight for the maximum compensation available. With experienced representation, you can focus on recovery while your legal team protects your rights.

FAQs About Rockford Uninsured Motorist Accidents

What if the Police Can’t Find the Uninsured Motorist?

You may still recover compensation through UM coverage if the negligent driver cannot be identified. Illinois law requires auto insurance policies to include UM protection, allowing you to file a claim with your insurance company.

A Rockford auto accident lawyer can help gather evidence, such as traffic camera footage and witness statements, to support your claim and fight for a fair settlement.

How Much Is My Uninsured Motorist Car Accident Case Worth?

The value of a UM accident claim depends on several factors. More severe injuries, such as spinal cord damage or traumatic brain injuries, typically result in higher compensation.

Your insurance company may try to minimize payouts, but a Rockford personal injury lawyer can help ensure you receive the maximum compensation allowed under your policy.

How Long Do I Have to File a Claim or Lawsuit in Illinois?

Illinois law sets strict deadlines for accident claims involving uninsured drivers. The statute of limitations for a personal injury lawsuit is two years from the accident date (735 ILCS 5/13-202), while property damage claims must be filed within five years (735 ILCS 5/13-205).

However, UM coverage claims may have shorter deadlines depending on your insurance company’s policy.

How Much Does It Cost to Hire a Lawyer?

Our law firm works on a contingency fee basis, meaning you pay nothing upfront. We only get paid if we win your case. This allows accident victims to pursue compensation without worrying about legal fees.

During a free consultation, a Rockford personal injury lawyer will review your case and explain your legal options. If we take your case, we handle all settlement negotiations, paperwork, and legal proceedings so you can focus on your recovery.

What if I Was Partially at Fault for the Accident?

Illinois follows a modified comparative negligence rule (735 ILCS 5/2-1116), meaning you can still recover compensation if you were less than 50% at fault for the accident. However, your compensation will be reduced by the percentage of your fault.

Will I Have to Go to Court?

Most uninsured motorist accident claims are resolved through insurance settlements, meaning court is not always necessary. However, filing a lawsuit may be the best option if your insurance company refuses to offer fair compensation.

Consult a Rockford Uninsured/Underinsured Motorist Accident Attorney Near You!

If you were injured in a car crash caused by an uninsured or underinsured driver, you don’t have to face the financial burden alone. At Rosenfield Injury Lawyers, our Rockford motor vehicle accident lawyers help clients pursue compensation for their bodily injury and property damage.

We offer a free consultation and work on a contingency fee basis, meaning you pay nothing unless we win your case.

Call us at (888) 424–5757 or fill out our contact form to consult an experienced attorney.

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“I was in accident I was rear ended and it was the worst experience of my life I tried to get it figure out with the insurance but they complicated things even more I looked for a attorney for week with no luck I finally found Jonathan and it was the best thing yet he made my process so easy and was able to get more things done than I intended book him asap u won’t be disappointed”

— Kalit Sutton

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All content undergoes thorough legal review by experienced attorneys, including Jonathan Rosenfeld. With 25 years of experience in personal injury law and over 100 years of combined legal expertise within our team, we ensure that every article is legally accurate, compliant, and reflects current legal standards.