Being involved in a car accident is difficult enough, but finding out the other driver is unlicensed makes it even more troublesome. With no valid license, the at-fault motorist also lacks insurance to cover your damages.
This complicates the claims process significantly. However, there are still options for recovering compensation after an accident with an unlicensed driver, and an Illinois lawyer can help.
Report the Accident and Unlicensed Driver
Contact the police to file an official report on the accident. Provide details about the other motorist operating without a valid driver’s license. Ask if the responding officer can issue traffic citations to the unlicensed driver for their infraction. The report and any ticket issued helped substantiate that the other party was at fault and driving illegally.
Collect Accident Details
In addition to the police report, compile other essential information, such as the following:
- Name and contact details of the unlicensed driver
- Make, model, and license plate of their vehicle
- Driver’s license number if they have an expired or suspended license
- Insurance paperwork, even if expired or invalid
Also, take photos of vehicle damage, accident scene, and any injuries sustained. These help support your claim.
Explore Insurance Claim Options
With the at-fault driver having no valid license or insurance, you must file a claim through your own policy. This includes:
- Uninsured motorist coverage if you have this protection
- Underinsured motorist coverage in case their policy limits are low
- Collision coverage if you have it for vehicle repairs
- Medical payment coverage on your policy
Your insurer must investigate and confirm the other motorist’s uninsured status before processing third-party claims. Supply documentation to assist in verifying their lack of coverage.
Contact a Barrington, IL Personal Injury Lawyer
Having experienced legal representation is highly advised when the at-fault party is unlicensed. A Lake County, IL personal injury attorney can help navigate the intricate claims process, maximize available coverage from your policy, demonstrate the other driver’s liability, and pursue further compensation if warranted. They act as your advocate for getting fair damages without insurance from the liable party.
Being involved in a car accident by an unlicensed, uninsured driver adds challenges, but you still deserve justice. You do not deserve to pay for damages you did not cause. Call [[title]] at [[phone]] for a free consultation to get started and see what you can do and what your options are.