You Bought Insurance + Same Day Accident: What You Need to Know


    You spent days looking for the best car insurance companies online and after sifting through insurance providers, insurance quotes, and insurance rates, you finally land on one. Because you know that having insurance is essential for many aspects of life, especially when it comes to operating a vehicle. But what happens if you experience an auto accident the very same day you purchase your car insurance policy? Here's what you need to know as you navigate this unique and potentially stressful situation.

    Things to keep in mind after you bought insurance and had a same day accident

    1. Policy Activation Time: Ensure that your policy was active at the time of the accident. Some new insurance policies may have a time delay before they become effective, while others might provide coverage immediately upon purchase.

    2. Reporting the Accident: Regardless of the timing, always report the accident to your car insurance company as soon as possible. This helps you set the wheels in motion for any potential claims and can protect you from any lapses in coverage.

    3. Possible Scrutiny: Be prepared for additional scrutiny from car insurance companies due to the timing of the accident. From the insurer's perspective, a same-day accident might raise red flags. Stay calm and provide all necessary documentation and evidence.

    4. Understanding the "Waiting Period": Some insurance policies have time limits on coverage commonly referred to as a "waiting period," especially for comprehensive coverage or collision coverage. This means there could be a specified time frame after purchasing the policy when certain insurance coverages might not apply. Always check the terms and conditions.

    5. Cooperation is Key: Ensure you cooperate fully with your insurance company and the insurance agent. This includes providing accurate statements, sharing any evidence or photographs from the scene, and responding to their inquiries promptly.

    6. Seek Legal Counsel if Necessary: If you feel that your claim is being unjustly denied or you're facing undue hurdles because of the timing, consult with a personal injury attorney. They can provide guidance, advise you on your rights, and represent your interests.

    7. Document Everything: Keep thorough records of every interaction related to the accident. This includes conversations with witnesses, the other party involved, and especially with your insurance company. This documentation can be crucial if disputes arise.

    8. Consider Mediation or Arbitration: If you and your insurance company can't come to an agreement on your claim, consider mediation or arbitration before resorting to a lawsuit. These alternative dispute resolution methods can be faster and less expensive.

    Having an accident on the same day you purchase insurance can be a daunting experience. There can already be so much running through your head, like trying to understand deductibles, out of pocket expenses, and attempting to remember if you have full coverage, or thinking about potential medical bills and maybe even needing a rental car.

    However, understanding your rights and responsibilities, coupled with the potential challenges that might arise, can help you navigate this situation more smoothly. Always advocate for yourself, but also remember the importance of cooperation and open communication with your insurer. If ever in doubt, seeking the expertise of a personal injury attorney can provide invaluable support.

    While the general principles mentioned above are applicable across the board, let's delve deeper into specifics concerning Illinois and its laws surrounding auto insurance and same-day accidents.

    Illinois Insurance Requirements

    In the state of Illinois, motorists are required to have liability insurance, which covers damages to another person resulting from an accident. As of September 2023, the minimum liability coverage limits are:

    - $25,000 for bodily injury per person per accident.

    - $50,000 total for bodily injury per accident.

    - $20,000 for property damage.

    Illinois' At-Fault System

    State laws differ when it comes to auto insurance. Illinois operates on an "at-fault" system, meaning the person responsible for causing the car accident (often times referred to as an at-fault accident) is also responsible for any resulting harm (medical costs, property damage, etc.). Therefore, if you're at fault, your insurance (or the insurance that covers you under the policyholder) will be called upon to cover the damages up to the limit of your policy.

    Potential Scrutiny in Illinois

    Given that insurance fraud is a concern in every state, including Illinois, any accident occurring shortly after obtaining a policy can be flagged for further review. Insurers may be particularly vigilant in verifying the details of the accident, so it's important to be transparent and cooperative.

    Policy Activation & Waiting Period

    Illinois law requires insurance companies to specify the start and end dates of coverage. If you've secured coverage that begins on the day you've purchased it, the policy should protect you. However, be aware of any waiting periods or clauses that might affect immediate coverage, especially in non-standard or high-risk policies.

    Uninsured & Underinsured Motorist Coverage

    Illinois also mandates that auto insurance policies include uninsured motorist coverage, which protects you if you're in an accident with an at-fault driver who doesn't have insurance. There's also underinsured motorist coverage for when the at-fault driver's insurance doesn't cover all your expenses.

    If you find yourself facing challenges with your insurance claim, especially if it's a same-day accident, consulting with an Illinois personal injury attorney can be beneficial. They'll be familiar with state-specific regulations and nuances and can guide you accordingly.

    The intricacies of insurance laws and practices in Illinois can be complex. If you find yourself involved in a same-day accident after purchasing insurance in Illinois, understanding state-specific requirements and seeking appropriate legal guidance can help ensure that your rights are protected. Always remember to keep detailed records, be forthright with your insurer, and be informed about your policy's terms and conditions.

    Regardless of when you purchased your insurance, if you've been involved in a car accident in Illinois (or anywhere for that matter), it's crucial to take specific steps to ensure your safety, protect your rights, and properly document the incident:

    1. Ensure Safety First: Before anything else, check yourself and any passengers for injuries. If anyone is injured, call 911 immediately. Even minor symptoms can become major issues if not addressed.

    2. Get to a Safe Location: If it's possible and safe to do so, move your car out of the flow of traffic to avoid any further accidents. If not, turn on your hazard lights and exit the vehicle if it's safe.

    3. Call the Police: It's important to have an official police report, even for minor accidents. The police can provide an unbiased third-party account, which can be invaluable during the claims process.

    4. Document the Scene: Take photos of the vehicles, their positions, the damage, any skid marks, the road conditions, traffic signs, and any injuries sustained. These can be crucial for insurance claims and any potential legal matters.

    5. Exchange Information: Collect names, addresses, phone numbers, driver’s license numbers, license plate numbers, and insurance information from all parties involved. If there are any witnesses, gather their contact information as well.

    6. Avoid Speculating or Admitting Fault: Even if you think you might have been at fault, don't admit it at the scene. The determination of fault often involves various factors and is typically made after thorough investigations.

    7. Seek Medical Attention: Even if you feel fine after the accident, it's advisable to see a doctor. Some injuries, like whiplash or internal injuries, might not manifest immediately.

    8. Notify Your Insurance Company: Contact your insurance company to inform them about the accident as soon as you can, even if you're not at fault. This will initiate the claim process.

    9. Keep Track of Medical Treatments: Document any medical treatments, medications, therapies, or any other post-accident care. These records can be vital for insurance and legal proceedings.

    10. Consider Consulting an Attorney: If there are injuries, significant damages, or any complications in determining fault, it might be beneficial to consult a personal injury attorney familiar with Illinois law.

    11. Follow Through with the Claims Process: Cooperate with your insurance company by providing the necessary documentation, getting your vehicle inspected, and fulfilling any other requirements.

    12. Document All Expenses: Keep receipts and records of all expenses related to the accident, including vehicle repairs, medical treatments, and any other associated costs.

    Being involved in a car accident can be overwhelming. By taking these steps immediately after the incident, you can help ensure a smoother insurance claims process and protect your legal rights. Always prioritize safety and remember to keep detailed records of the entire incident and its aftermath.

    Let's delve into why hiring a personal injury attorney is crucial after an injury from a car accident and how to find the best fit for your needs.

    Why Consider Hiring a Personal Injury Attorney After a Car Accident?

    1. Expertise in Law: Personal injury attorneys are well-versed in the nuances of injury laws and regulations. They can guide you through complex legal processes and ensure that you're informed of your rights.

    2. Valuation of Claims: An experienced attorney can help determine the worth of your claim, considering medical expenses, lost wages, pain and suffering, and other relevant factors.

    3. Negotiation Skills: Insurers often aim to minimize payouts. Having a lawyer ensures that someone skilled is negotiating on your behalf, aiming to get you the best possible compensation.

    4. Litigation: If a fair settlement isn't reached, the case may need to go to trial. Personal injury attorneys can build a strong case, gather evidence, and represent you in court.

    5. Handling Paperwork: Claims involve a lot of paperwork, deadlines, and legal jargon. An attorney will handle this administrative side, ensuring nothing falls through the cracks.

    6. Peace of Mind: After a traumatic event like a car accident, focusing on recovery is essential. Having a professional handle the legalities can offer much-needed peace of mind.

    Finding the Best Personal Injury Attorney for You

    1. Research and Recommendations: Start by asking friends and family for recommendations. You can also check online review platforms, bar association listings, or local directories.

    2. Experience and Expertise: Ensure that the attorney has experience handling car accident cases specifically. Their track record in settlements and courtroom wins can be indicative of their expertise.

    3. Initial Consultation: Most personal injury attorneys offer free initial consultations. Use this opportunity to gauge their suitability, discuss your case, and understand potential strategies.

    4. Fees and Payment Structure: Understand the attorney's fee structure. Many work on a contingency fee basis, meaning they only get paid if you win your case.

    5. Communication: Opt for an attorney with whom you can communicate easily. You should feel comfortable asking questions and be kept informed throughout the process.

    6. Check Disciplinary Records: Make sure the attorney hasn’t had any complaints filed against them or been disciplined by the state bar.

    7. Ask About Their Approach: Will they be open to settlement? Do they often take cases to trial? Understanding their approach can help set expectations.

    8. Location: Having an attorney local to you or to where the accident happened can be advantageous. They'll be familiar with local laws, regulations, and possibly even local judiciary or insurance adjusters.

    9. Trust Your Gut: Lastly, trust your intuition. While all the above factors are important, it's also crucial that you feel a sense of trust and confidence in the attorney you choose.

    Being injured in a car accident can have significant physical, emotional, and financial impacts. A skilled personal injury attorney can be instrumental in ensuring that your rights are protected and that you get the compensation you deserve. By doing thorough research and asking the right questions, you can find the best attorney to represent your interests.

    At Palermo Law Group, you can expect a free consultation to discuss your claim. He will listen to your story, assess your case, and offer valuable legal advice on the best course of action. Your well-being is a top priority, and Mario Palermo will work tirelessly for your case. 

    For more information about your personal injury claim and to request a free case evaluation, call our phone number at (630) 684-2332 or visit our website at


    Mario Palermo is the Founder and Lead Attorney at Palermo Law Group in Oak Brook, Illinois. For the past 26 years, he has worked tirelessly to help injury victims and their families in their times of need. He is a seasoned authority on civil litigation, and also a member of the Million Dollar Advocates Forum, a prestigious group of trial lawyers who have won million and multi-million dollar verdicts and settlements. Mr. Palermo has been named a “Leading Lawyer” by his peers in 2015, 2016, 2017, 2018, 2019, 2020, 2021 and 2022.

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