Will PIP Car Insurance in Illinois Cover Medical Expenses?

Reader’s Question:

I have health insurance as well as car insurance for my vehicle here in Illinois. In case I get into an accident, how would I know which policy will give the best protection?

Lachlan

Cicero, IL

A lot of people purchase health insurance as well as auto insurance if you own an automobile. In case you get into an accident in Illinois, you have to know which of those policies will give you the kind of coverage you need. First of all, you have to be aware if you have “Underinsured Motorist Bodily Injury” in your auto insurance policy and make sure you are familiar with what it does. This coverage would set a limit on the utmost cost of payment for every person, every injury and every accident. In case that the limit is not enough, your health insurance would surely give coverage for the outstanding costs.

In case you have “Personal Injury Protection” (PIP), this will cover for medical, hospital and funeral costs in any automobile collisions. In general, anyone who is involved in the accident will be covered, including other parties. This type of coverage is particularly intended for those drivers who don’t have health insurance. So if you have this coverage, you won’t need you health insurance in case of any accident. But since you also bought health insurance, you could get rid of the PIP coverage. Another reason to drop that coverage is that PIP is not required in the state of Illinois.

Auto Liability Only Insurance in Illinois

Reader’s Question:

I plan to get auto insurance as soon as possible and I am kinda looking around. Is it okay to just get liability coverage for my auto insurance here in Orland Park, Illinois?

Patricia

Orland Park, IL

Auto insurance liability coverage is a kind of insurance which is commonly called the third party insurance. It would be okay to just get the liability coverage for your auto insurance in Orland Park, Illinois. The liability coverage would insure you and your automobile for the minimum cost of coverage that is allowed under the law. This is a basic kind of vehicle insurance that will give coverage for the smallest types of claims. For instance, if you get into an accident and you are at fault, then you would not be paid out for that claim. Only other people involved would be paid by your auto insurance provider.

The exact coverage on your auto insurance would be set out when you sign the insurance policy. These numbers would be the maximum that the auto insurance provider would be ready to pay if you get into an accident. You need to be sure on the exact cost of your insurance coverage. If you think that it is not enough, you need to raise it.

SR22 Filing For Auto Insurance in Illinois

Reader’s Question:

Recently I started filing my SR22 insurance policy in Arlington Heights, Illinois due to DUI. Is there anything I can do to appear less risky to an insurance company?

Robert

Arlington Heights, IL

You hit the nail on the head for what you have to do with your Arlington Heights, Illinois SR22. Risk is what is making you pay too much for your auto insurance coverage, and nothing else, so the best thing to do for people who do not want to pay more is to ease up on the risk factor. A lot of ways is out there for you to prove your responsibility with little to no effort.

One way to do is for you to sign up for a defensive driving course. You can call your Arlington Heights, Illinois SR22 auto insurance provider first to find out a list of defensive driving classes which count, because not all will and you do not want to waste your time. A defensive driving class is a good way to lower your risk, most especially if you have SR22 insurance policy due to DUI, because not only do you obtain an auto insurance discount, but you also learn a few things which assist you in the future.

Now, you can only use a defensive driving course to save you money if you are not mandated by the state to take it. If taking a defensive driving course is part of your required DUI recovery track from the court, then unfortunately this is not an option for you.

Illinois Blood Alcohol Test – Do You Refuse?

Reader’s Question:

I have heard from someone that Kane County, Illinois is implementing a no-refusal weekend with regard to blood alcohol testing for people suspected of driving under the influence. What that this mean and how helpful would this be in the prevention of DUI?

Lucy

Elgin, IL

Kane County, Illinois officials say that people suspected of driving under the influence will only have the choice to either voluntarily have their blood alcohol content measured by urine, blood or breath test or they will have their blood drawn involuntarily.

The Kane County’s State’s Attorney recently announced the No Refusal Weekend but did not answer questions about what weekend the forced blood draws will occur. Search warrants have been written in advance in preparation for No Refusal weekend. Police officers would only have to fill in specific details in each DUI case and have an assistant state’s attorney review it before it is signed by a judge. The Kane County Health Department would supply phlebotomists to do the blood draws.

Officials are also optimistic that when faced with an order for an involuntary blood draw, most DUI suspects would agree to take a breath test instead and that more DUI suspects would take plea deals rather than go to trial.

Illinois DUI Help

Reader’s Question:

My sister has just been charged with DUI here in Illinois. I have heard so many things about DUI such as all people accused of DUI are guilty, DUI is a minor offense, that any lawyer can defend a person charged with DUI, DUI cases cannot win and that a DUI case is similar to any other case? Which of these things about DUI are true?

Lindsay

Arlington Heights, IL

There many myths surrounding DUI cases at present. If you want your sister to increase her chances of winning her DUI case in Arlington Heights, Illinois, don’t believe in any of these things. It is not true that all people accused of DUI are guilty. It should always be remembered that a person is “innocent until proven guilty.”

It is also definitely not true that DUI is just a minor offense. DUI is a criminal offense that can escalate into a bigger crime, especially when injury or death is the result of an act. DUI can even send the offender to jail.

Regarding what you heard that any lawyer can defend a person charged with DUI, this is actually always not the case. There are many lawyers who specialize in DUI case. They can help your sister better than other lawyers who are just general practitioners of law.

It is also not true that DUI cases cannot win. Please, don’t ever believe this. A good Illinois DUI lawyer can help your sister win her DUI case, provided there is enough evidence to defend her. The last thing that you mentioned that a DUI case is similar to any other case is also not true. A DUI case is being surrounded by different circumstance and requires different types of evidence. The outcome of the case cannot be predicted but a good DUI lawyer can increase your sister’s chances of winning.

Best Chicago Illinois DUI Attorney?

To find the best Chicago IL DUI attorney, you need to be prepared to take some time. To really understand whether or not an attorney is the best one for you, you will have to have a consultation with them. Not only should they be competent about DUI law, but the best Chicago IL DUI attorney should also get along with you well enough that the two of you can work together.

How do you know if a lawyer is competent about DUI law? The best way is to find out how much of their case load is for DUI convictions. If it’s less than 50%, then they probably don’t have enough experience to bother, and you should avoid them. Preferably, you want someone who deals exclusively in DUI, but if you can’t get that, it’s understandable. A DUI lawyer should have at least a couple of years of experiences. Don’t bother with anybody fresh out of law school.

You can also find the best Chicago DUI attorney by asking people about their lawyer experiences. You can talk to friends and family, other lawyers, find information online, and so on. Find out if your state bar would recommend them. Check the yellow pages for options.