Recent Illinois Supreme Court Ruling on Hit and Run Coverage

Dec 13, 2023 | Auto Accidents, Illinois Attorney, Trucking Accidents


In the realm of addressing damages stemming from car accidents, individuals typically have recourse through insurance claims to cover medical expenses, property damage, lost income, and other related costs.

However, navigating compensation becomes tricky for victims of hit-and-run accidents. Despite this challenge, we may see some relief in the form of potential coverage under an individual’s auto insurance policy. A recent decision by the Illinois Supreme Court aims to ensure that uninsured motorist coverage remains accessible to those harmed in hit-and-run incidents. Illustrating this legal shift is a 2020 case involving a teenage boy in Chicago who sustained injuries in a hit-and-run accident while riding his bicycle. Seeking uninsured motorist coverage under his father’s auto insurance policy, the claim was initially denied by the insurance company.
The rationale behind the denial was that, since the boy was not inside the father’s vehicle at the time of the accident, coverage did not apply. The father pursued legal action. While the trial court dismissed the claim initially, an appellate court overturned this decision. The Illinois Supreme Court intervened and concluded that uninsured motorist coverage should have indeed been applicable in this case. The court emphasized that the purpose of uninsured motorist coverage is to place an individual in the same position they would have been had the at-fault party possessed liability insurance. Specifically, when a driver collides with a bicyclist, liability insurance would normally offer coverage.
Consequently, the court affirmed that uninsured motorist coverage is viable for victims in such scenarios. This landmark ruling assures Illinois residents that they can access proper insurance coverage, even if they are not inside a vehicle during an accident. The recent decision by the Illinois Supreme Court has significant implications for insurance coverage in the aftermath of hit-and-run incidents, offering a ray of hope for victims seeking compensation for medical expenses, property damage, lost income, and related costs.
Typically, individuals involved in car accidents can turn to insurance claims to address their damages. However, the complexity escalates when it comes to hit-and-run accidents. A crucial lifeline emerges in the form of potential coverage under an individual’s auto insurance policy, a relief bolstered by this recent ruling.
This landmark decision carries profound implications for Illinois residents, assuring them of access to proper insurance coverage even when they are not within a vehicle during an accident. By emphasizing the principle of restoring individuals to their rightful position in the absence of liability insurance from the at-fault party, the court provides clarity and protection for victims of hit-and-run incidents involving bicycles.
The ruling recognizes the unique challenges faced by those injured in hit-and-run accidents. It reinforces the idea that insurance coverage should not be contingent solely on the victim’s presence inside a vehicle at the time of the incident. Instead, the focus is on ensuring that individuals harmed in such situations receive the financial protection they need and deserve.
The Illinois Supreme Court’s decision marks a pivotal moment in the realm of insurance coverage for hit-and-run incidents, particularly those involving bicycles. By affirming the applicability of uninsured motorist coverage in such cases, the court provides a crucial safeguard for victims, offering a pathway to the compensation they require for the aftermath of these unfortunate events.

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If you or someone you know is injured because of an auto accident, you need of the kind of thorough and aggressive legal representation provided by Belleville IL injury attorneys, Keefe, Keefe & Unsell, P.C..

Our Belleville, Illinois Injury Law Firm is well-known for our ability to detect the viability of injury, medical malpractice, product liability, auto accidents and wrongful death cases and then prepare and fight for our clients’ ability to recover damages.

We’ve earned the reputation of winning auto and truck accident cases that might seem daunting to other attorneys in Belleville, Il. We’re proud to be known as the best malpractice attorneys in Illinois. We encourage anyone who has been injured in a car crash, hurt in the workplace or as a result of medical negligence or malpractice to contact us at our Belleville, Illinois law office at: (618) 236-2221

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