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Cusack Insurance Agency

5700 W 95th St
Oak Lawn, IL 60453

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What Happens If I Get Into An Accident With An Uninsured Driver?

If you have uninsured motorist coverage, it will pay for any medical bills or other expenditures incurred as a result of a collision with an uninsured driver. Many people mistakenly believe that their car insurance policy will cover them if they are in an accident with an uninsured driver. 

Unfortunately, that is not the case. You can boost your liability coverage to accommodate the risk of being hit by an uninsured driver. If you live in Oak Lawn IL or a surrounding neighborhood, you can reach out to Cusack Insurance Agency. 

What to Know About the Policy 

If you get an accident with an uninsured driver, the at-fault driver’s liability coverage will likely cater to damages per the policy’s limits. However, if you do not have liability coverage, you would be liable for damages up to the limits of your savings account. 

While you can’t predict safety, you can take steps to make sure you’re covered in the unfortunate event of an accident. If you don’t have insurance, ensure you’ve sufficient assets to cater to your potential accidents. It’s also essential to keep up with your insurance payments on time. If you have liability limits that you’re not comfortable with, you may want to consider increasing them.

Contact Us Today

If you’re hit by an uninsured driver and you have insurance, your policy will most likely cover the costs of fixing your car and any other damages you suffered. However, you may have trouble getting the other driver’s insurance company to pay up if the other driver was uninsured. 

Uninsured drivers pose a serious risk to all other drivers on the road. It’s important to make sure you’re driving with insurance, and you should make it a point to avoid driving around uninsured drivers whenever possible. Call to seek professional help from Cusack Insurance Agency in Oak Lawn IL.

What auto insurance is required in Illinois?

Like most other states, Illinois has insurance requirements if you want to drive in their state. This protects all motorists from an accident they may not have caused. The state lays out mandated amounts that it feels make sense and your insurance agent makes sure that you meet those requirements. At Cusack Insurance Agency in Oak Lawn, IL, we have access to more than a dozen insurance carriers, which allows us to give our customers more choices. With more options, it’s easier to find just the right policy for you. 

Auto Insurance Facts

To comply with the law in Illinois, drivers must have liability insurance in the amount of 25/50/20. This is the lowest amount you must have to comply with, but it isn’t necessarily the right amount for you. Talking to your insurance agent will allow you to have coverage that makes sense with the number of assets you have. If the injuries in the accident go above the basic amount, you could find yourself owing a lot of money. 

But other requirements don’t come from the state of Illinois. They come from the holder of your auto loan or the lease on your vehicle. They own part or all of your car, and it needs to be protected. This requires two other types of coverage, collision and comprehensive.

Collision covers damage that happens in a collision. It can be a multicar collision or a one-car collision. It can be the result of a vehicle that doesn’t stop after it hits you. Comprehensive is many other things you have no control over that can damage your vehicle. It also covers the theft of your vehicle and covers the glass. 

Give Us A Call

Contact Cusack Insurance Agency in Oak Lawn IL, with any insurance needs you may have. We are a full-service independent insurance agency. 

Partner Carriers


  • Foremost
  • Mercury
  • Progressive
  • Safeco
  • Travelers