In 2018, the Illinois Department of Transportation (IDOT) reported a total of 1,035 traffic-related fatalities. While the IDOT saw a decrease in 2019 with 965 fatalities statewide, road safety remains a persistent concern, especially for drivers. In the State of Illinois, drivers are required to carry auto insurance following its fault-based system. This means that a driver found to be at-fault for an accident will pay for the damages incurred.
Following Illinois Statutes, a person involved in a car accident may claim damages in one of these three ways:
- By pursuing legal action against the driver at fault in civil court
- By filing for a third-party claim directly against the driver’s insurance company
- By filing for claims from their personal insurance carriers
While you may practice caution in your driving, unfortunately, accidents may happen in the blink of an eye. Having auto insurance will ensure the financial coverage of potential fender benders and more serious traffic mishaps. This will also save you from a fine of $500 for operating without insurance in the State of Illinois.
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