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Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Ing to Illinois law, you must notify the police unless they have already arrived at the scene. If a police officer doesn't show up, it's important to file a report with the Illinois State Police promptly, preferably within a week. In some cases, you might be able to file the report online.
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.
Even if you have no visible injuries or think you escaped with only minor cuts and scrapes, still visit a doctor as soon as possible. Due to shock, you may not realize that you have suffered a serious back, neck, head, organ or other injury. Tell your doctor what happened and make sure you are thoroughly examined.
Each driver involved in an Illinois traffic crash must file a crash report if the crash caused a death, bodily injury, or more than $1,500 of property damage when all drivers are insured. If any driver does not have insurance, the threshold is $500.
What to Do After an Auto Accident in Illinois Call 9-1-1. ... Stay at the scene of the accident. ... Collect info from the other party or parties involved. ... Document the accident and your surroundings. ... Collect witnesses' information. ... Consult a trusted auto accident attorney. ... Document any medical treatment related to the accident.
The report must be filed with the Illinois Department of Transportation (DOT) no later than 10 days after the accident. If you don't file a report when required, then you may also face penalties such as fines, jail time, or having your driver's license suspended.
Obtain a Crash Report by Online If you would like to request, pay for, and receive your redacted crash report via e-mail, use E-PAY. Note: If you would like an unredacted copy of a traffic crash report, please send a subpoena or an order signed by a judge along with your request.