Calumet City, IL asked in Car Accidents and Personal Injury for Illinois

Q: I was involved in a minor accident & I have no insurance. Will I have to go to court? They sent me an attorney lien lett

2 Lawyer Answers
Robert D. Kreisman
Robert D. Kreisman
PREMIUM
Answered
  • Personal Injury Lawyer
  • Chicago, IL
  • Licensed in Illinois

A: The short answer is that a lawyer for the party who may claim some injury has sent you the form letter that generally kicks off such a case. I'm sure the letter asks you to report this incident to your insurer, which you don't have. Many lawyers in your situation will turn to their client's (the other other party's) uninsured motorist coverage to explore a recovery that was which is much more likely than trying to collect if they were to win against you, an uninsured person. Since you are uninsured, you may be safe for now. The other party's claim and its resolution may well come by way idf its/their insurer under the uninsured motorist coverage.

Charles Candiano agrees with this answer

Charles Candiano
Charles Candiano
Answered
  • Personal Injury Lawyer
  • Chicago, IL
  • Licensed in Illinois

A: The short answer is not yet. Eventually, the other party's insurance company will secure a judgment against you in whatever amount they pay. At that time (or sooner) your license will be suspended until you pay the judgment or enter into a repayment arrangement that is acceptable to the insurance company. Not paying an insurance premium is one of the most expensive mistakes you can make. It's high-stakes gambling where you can only lose big.

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