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.

What Is The Best DUI Defense To Take in Illinois?

Reader’s Question:

I watch and read news everyday and I noticed that cases of DUI are increasing here in Illinois. This makes me very much curious to know certain things about DUI cases. What are the possible defenses in a DUI case that can make a defendant win his/her case?

Echo

Waukegan, IL

There are several defenses in a DUI case in Waukegan, Illinois that can be brought up during the DUI trial which can make the defendant win his/her DUI case. First and foremost an illegal stop of the person or the vehicle is one of the biggest defenses that a DUI defense lawyer needs to prove for the defendant to walk away a free man after the DUI trial. A motorist can’t be asked to stop unless the officer has a reasonable and articulate basis to believe that a traffic law or other law has been violated. Likewise, an individual could not be seized unless a violation has occurred.

On a similar note, if a driver was weaving inside the lanes, this is not illegal and cannot be considered a reason for a DUI stop because weaving without crossing any lines is not a violation of the law. Another thing that can be considered as an illegal stop would be from an anonymous report of drunk driving. A person or a vehicle can’t be stopped simply because an anonymous citizen reported that the driver was drunk. These are just examples of DUI defenses during a DUI arrest which, if proven, can be a great help for the DUI defendant.