Early in June a fatal crash near the Wisconsin-Illinois border left one woman dead, two children fighting for their lives, and an interstate shutdown.
A disabled Ford Taurus was on the side of I-39/90 after the drunk driver hit a median guardrail. A passing semi-tractor trailer drifted into the left lane and struck the disabled vehicle, further smashing it into the rail. The semi then rear-ended a four passenger vehicle in front of it that was carrying two small children (ages 6 and 9) late at night. The driver of the car was killed and children are in the hospital as of this writing. The driver of the Taurus and the semi-tractor trailer both survived.
The Issue of Insurance
While this is undoubtedly a tragedy, it raises an important point about insurance coverage and what one can do if a driver does not have insurance or enough insurance in the aftermath of an auto accident. This is especially pertinent in cases where significant medical costs or wrongful death claims arise – as in the medical costs of the two children. Adequate insurance coverage will be critical in helping the family of the children recover the costs of their pain and suffering and will also help them recoup the costs in the event the at-fault driver does not carry enough insurance.
Automobile liability insurance is compulsory in almost every state, including Illinois. As of 2012, 12.6 percent of drivers were uninsured. California, Florida, and Texas have been found to be the states with the highest number of uninsured drivers.
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If you are in a serious accident, your own insurance coverage and the at-fault driver’s insurance coverage may not be sufficient to cover all of your property damage, personal injury, medical expenses, and pain and suffering. It most certainly will not be able to compensate for the loss of a loved one, especially as any insurance company’s gut reaction is to only cover the absolute bare minimum their analysts calculate they must pay. This is where pursuing litigation against the driver and/or their insurance company will come into play. You may pursue a personal injury or wrongful death suit if you have been involved in an auto accident, as this will help you recover for costs such as extensive medical bills, as well as pain and suffering. There are, however, statutes of limitation (time limits) and other procedural hurdles you will face. It is important you contact an experienced auto accident lawyer as soon as possible so that you may recover for your loss.
Contact an Experienced Accident Attorney Today
If you or a loved one has been hurt or killed in a car accident, you are entitled to recover your losses in a personal injury lawsuit. Mary Ann Covone Attorney at Law has over 23 years of experience representing victims of auto or truck accidents in the Chicago area. She can help you recover the compensation that you deserve. Call today at (708) 246-4911 for a free consultation.