Blog Posts for December, 2007

The blog on this website includes articles and editorials by James Freeman on subjects relevant to his legal practice. These writings are not legal advice and should not be taken as such. If you need to speak with an attorney, please contact us.

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Uninsured Motorists in Illinois

Recently I attended traffic court with one of my clients. I am always shocked to see the light punishment people receive for not having insurance. For instance, I saw a woman plead guilty to blowing a stop sign and no insurance. She was fined $25.00 for blowing the stop and $50.00 for not having insurance. The court then assessed $55.00 in court costs for a whopping total of $130.00 in fines and costs.

I have a friend who hypothesizes that there are two types of people who pay for insurance. First, there are those who have assets to protect. Second, there are those who do not have assets, but who feel a moral obligation to follow the law. He points out that for someone who has no assets it is much cheaper to forgo insurance coverage.

When I bring this up with the Corporation Counsel or State's Attorney, they argue that under the Illinois Financial Responsibility laws an uninsured driver risks having their license suspended, but I don't see that happening when I'm at traffic court. I just see people like our aforementioned lucky lady getting hit with small fines and walking out of court with her license in hand.

Uninsured motorists pose a special risk to many cyclists as most car-free cyclists do not have uninsured motorists coverage. Drivers, on the other hand, often have uninsured/under insured motorist coverage that would be activated in the event of an accident with an uninsured driver. Since car-free cyclists do not carry such coverage, they are especially vulnerable to an uninsured driver.

I believe it would make sense to have fines for driving uninsured outweigh the cost of obtaining insurance in the first place. One would also think that the insurance lobby would love to see stiffer penalties for infractions involving financial responsibility laws in Illinois as it would offer more business for Insurance companies. As long as it is more cost effective to drive without insurance people will continue to do it. If we take away the financial motivation to forgo insurance perhaps we would see a drop in the number of uninsured motorists.

Hit-and-Run

People often think that if the driver flees after an accident there is no possibility of recovery. That may be true, but often it is not. I have personally handled cases in which we were able to locate a hit-and-run driver through thorough investigation. In each instance the initial assumption by the police was that the driver was uninsured, and therefore, fled the scene. In each instance this turned out to be untrue, and the driver did have valid insurance. These experiences led me to believe that drivers don't flee after they hit a cyclist because they don't have insurance, so much as they flee because they think they can get away with it.

I have also handled cases in which we were unable to locate the driver, however, I was able to find uninsured motorist coverage to cover the accident. This usually occurs when the victim cyclist owns a car or someone in their household or family owns a car and has uninsured motorist coverage. Uninsured motorist coverage can be activated by a hit-and-run accident and cover the loss even though you weren't driving the car at the time of the accident. In such an instance the insurance company who issued the uninsured motorist coverage steps in and assumes the position of the defendant hit-and-run driver.

Never assume that no recovery can be made just because the driver fled the scene. The best way to know if there is any possibility of recovery is to consult with an attorney. An attorney skilled in investigating hit-and-run accidents or locating insurance coverage may be able to help in the bleakest of situations.

An accident with no physical contact

From time to time I get calls from people who were injured in the process of avoiding a collision. Take the "dooring" example. In broad daylight ND (negligent Driver) parks his car on the east side of State Street. He spends a couple minutes turning things off and collecting his things before opening his door without looking. At exactly that same time, IC (Innocent Cyclist) is traveling northbound on State Street approaching and passing ND's car. IC sees ND's car door open just in time to swerve out of the way. She narrowly avoids hitting the door, but in doing so IC loses control of her bicycle and crashes causing injury and damage to her bicycle.

Often ND and IC are under the mistaken impression that there must be actual contact between the car and the cyclist. This is not true. Had it not been for ND's negligent and careless act of opening the door without looking IC never would have been injured and her property would not have been damaged. Under these facts IC has a valid claim for personal injury and property damage against ND.

This situation should be treated as any other accident regardless of whether or not there was any actual contact. Call the police, exchange information, get witnesses, seek medical attention, preserve evidence, and take pictures of any damage or injuries.

Snow Removal

It's the time of year when snow removal is an issue for everyone. It is important to remove snow from sidewalks. Clear sidewalks benefit everyone, and many people such as the elderly or those with disabilities can find it difficult if not impossible to negotiate a snow-filled sidewalk.

I'm a big advocate of having everyone do their share of shoveling. No one wants to hear someone complain about the condition of their walk when the complainer clearly hasn't made an effort to shovel. I know a guy who shovels his whole block, then goes around his neighborhood looking for walks to shovel. His rationale is that everyone has a responsibility to do their fair share- and he is right.

Chicago Muni Code section 10-8-180 requires:
Every owner, lessee, tenant, occupant or other person having charge of any building or lot of ground in the city abutting upon any public way or public place shall remove the snow and ice from the sidewalk in front of such building or lot of ground.

If the sidewalk is of greater width than five feet, it shall not be necessary for such person to remove snow and ice from the same for a space wider than five feet.

In case the snow and ice on the sidewalk shall be frozen so hard that it cannot be removed without injury to the pavement, the person having charge of any building or lot of ground as aforesaid shall, within the time specified, cause the sidewalk abutting on the said premises to be strewn with ashes, sand, sawdust, or some similar suitable material, and shall, as soon thereafter as the weather shall permit, thoroughly clean said sidewalk.

The snow which falls or accumulates during the day (excepting Sundays) before four p.m. shall be removed within three hours after the same has fallen or accumulated. The snow which falls or accumulates on Sunday or after four p.m. and during the night on other days shall be removed before ten a.m.

So to review:

  • Persons having charge of a building (lessees included) must remove snow and ice.
  • Remove snow within 3 hours if snow falls before 4:00pm except Sundays, otherwise it must be done by 10:00am the following day.
  • Ice and snow so frozen it cannot be removed must be strewn with ashes, sawdust, sand or other suitable material.

When are Police Required to Generate an Accident Report?

Reports must be filed in connection with any accident involving an injury, death or property damage in excess of $1,500 ($500 if there is no insurance coverage). See 625 ILCS 5/11-406 (from Ch. 95 1/2, par. 11-406).

625 ILCS 5/11-408 states in relevant part:
Every law enforcement officer who investigates a motor vehicle accident for which a report is required by this Article or who prepares a written report as a result of an investigation either at the time and scene of such motor vehicle accident or thereafter by interviewing participants or witnesses shall forward a written report of such motor vehicle accident to the Administrator on forms provided by the Administrator under Section 11\u2011411 within 10 days after investigation of the motor vehicle accident, or within such other time as is prescribed by the Administrator.

Sec. 11-406. Duty to report accident.
(a) The driver of a vehicle that is in any manner involved in an accident within this State, resulting in injury to or death of any person, or in which damage to the property of any one person, including himself, in excess of $1,500 (or $500 if any of the vehicles involved in the accident is subject to Section 7\u2011601 but is not covered by a liability insurance policy in accordance with Section 7\u2011601) is sustained, shall, as soon as possible but not later than 10 days after the accident, forward a written report of the accident to the Administrator.

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