After a catastrophic Illinois car crash, most injury claims begin with the driver who caused the accident. However, the at-fault driver may have no insurance or only a small policy that cannot come close to covering the damage. Illinois requires drivers to carry insurance, but the minimum coverage may simply not be enough.
A spinal cord injury, traumatic brain injury, amputation, or other permanent, catastrophic injury may cost millions of dollars in medical care and change many people’s lives forever.
In these cases, you may need to make a claim against your own insurance company. That does not mean you caused the accident. It means you paid for coverage designed to protect you when you need it.