Some people in Illinois may not know what to do when they have been involved in a car accident. It's a good idea for people to be prepared in the event an accident does happen so that they can take the necessary steps to preserve their rights with regard to insurance claims.
The Illinois Department of Insurance (DOI) has compiled a list of recommendations so that people can be more prepared. It recommends that people review their policies and talk to their agents about their deductibles, liability limits and options for adding underinsured motorist coverage to their policy. People are urged to always keep their registration and most recent copy of their insurance card in their car in the event an accident occurs.
Following an accident, the DOI recommends that people remain calm and stay in their car if it is unsafe to get out of it. People should call the police and help anyone who is injured. People are advised to be polite but not admit fault. Exchange information with the other driver and get the name and contact information of any witnesses. People should report the accident to their insurance company as soon as possible and provide the necessary information.
If a person is seriously injured in a car accident due to a negligent driver, he or she may also wish to speak with a personal injury attorney. An attorney may be able to hold the negligent driver liable for their actions. Injured people may be able to recover damages they incurred from the accident for both economic and non-economic losses. No information in this article should be construed as specific legal advice.
Source: Illinois Department of Insurance, "State Dept of Insurance Advises What To Do After an Accident", April 26, 2014