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Though Illinois is an at-fault state, you may still be able to make a personal injury claim when you're the driver responsible for causing your losses. PIP insurance coverage is not mandatory as it is in no-fault states, but it's an option you can carry under your insurance policy.
Both fault-based and no-fault insurance laws are prevalent in the United States. However, Illinois is not a no-fault state, but it is an at-fault or tort state with comparative negligence laws. Drivers are responsible for covering the other party's damages if they are more than 50% at fault for an accident.
Check or type: ?I will allow this request in whole and will provide the documents or things as requested.? Check or type: "I cannot comply with the request because no such documents or things exist. A diligent search and reasonable inquiry have been made in an attempt to comply with this demand.?
A car accident will typically remain on your record for three to five years ? or more, depending on the severity of it. Your insurer may raise your rates if you're in an accident, even if you're not at fault.
Most people assume that if they are at fault for an automobile accident, they are not entitled to receive compensation for their injuries. While this may be the case if you are 100% at fault for the accident, there may be a chance for you to recover damages depending on the percentage of fault assigned to each driver.
The short answer is that you can sue for the full amount of your accident-related losses. Unlike some other states, Illinois does not have a cap on the damages you can recover after a car accident.
In Illinois, there are two different time limits. An injured party has two years from the date of the car accident to file a lawsuit for personal injury and five years to file for property damage.