As if a car accident is not stressful enough, imagine finding out that the driver who hit you is uninsured. Despite the mandatory auto insurance laws in Illinois, many drivers continue to drive without coverage. According to the Insurance Information Institute, as of 2023, about 15.2 percent of Illinois drivers were uninsured, ranking the state at number 17 for uninsured drivers across the nation.
Depending on your own insurance coverage, you may have other options for recovery following an accident with an uninsured driver. Other potential options include a civil lawsuit (although a driver who cannot afford car insurance is unlikely to have much in the way of assets) and the Illinois Safety Responsibility Law.