Suing your own insurance company after an injury is possible in Illinois, but only in certain situations. Your policy is a contract. If your insurer refuses to pay a claim the policy covers, you may be able to hold it to that contract. For some types of coverage, though, a dispute goes to arbitration rather than a courtroom.
Most injury claims after something like a car accident are made against the at-fault driver’s insurer, not your own. Your own policy comes into play in specific cases, such as when the other driver has little or no insurance. Health and other insurance that you pay for are also contractually obligated to honor their terms.
If your insurer is refusing to pay in 2026, a Schaumburg, IL personal injury attorney at Newland & Newland, LLP can help you understand your options.