Illinois No-fault State Explained
Is Illinois a No Fault State
Illinois is not a no-fault state for auto insurance. Instead, it follows a traditional fault-based system, meaning the driver at fault for an accident is responsible for damages.
How Fault Is Determined
After an accident, insurance companies investigate to assign fault. The at-fault driver's insurance typically covers medical expenses and property damage for both parties.
- Illinois requires drivers to carry liability insurance.
- Police reports and evidence are used to determine fault.
Legal Implications
Injured parties can sue the at-fault driver for damages beyond insurance coverage. This system allows for more direct accountability but can lead to lengthy disputes.
Understanding Illinois' fault-based system helps drivers know their rights and responsibilities. Always carry adequate insurance to protect yourself financially.
Consult with an attorney if you're involved in a complex accident to ensure fair treatment under Illinois law.