Don’t fall for these common myths about car accidents in Illinois. Contact us today to schedule a free consultation and protect your rights.
There’s no shortage of advice regarding car accidents in Illinois—from well-meaning friends, social media, or even insurance adjusters. Unfortunately, much of this information is wrong—or worse, intentionally misleading. Believing these myths can cost you money, legal rights, and peace of mind.
At Schierer & Ritchie, we give honest, straightforward guidance—no pressure, no upfront fees. If you don’t need a lawyer, we’ll tell you. But if we can help, we’ll fight to maximize every dollar you deserve. Schedule a free consultation today, and let’s clear the road ahead.
Myth #1: “If I’m Partly at Fault, I Can’t Get Compensation.”
Truth: Illinois uses a modified comparative negligence system. That means you can still recover compensation if you are less than 51% at fault for the accident.
However, your recovery is reduced by your percentage of fault. So, if you’re found 20% responsible, your compensation is reduced by 20%. An experienced attorney can help minimize your fault percentage and preserve your claim’s value.
Myth #2: “The Insurance Company Will Offer a Fair Settlement.”
Truth: Insurance companies often prioritize minimizing payouts. In 2023, Illinois recorded 299,133 motor vehicle crashes, with injury crashes accounting for 20.6% (61,547) and fatal crashes less than 1% (1,142) (Illinois Department of Transportation)
Never accept an initial settlement without reviewing it with an attorney who calculates future medical costs, lost wages, and pain and suffering.
Myth #3: “I Don’t Need to See a Doctor If I Feel Fine.”
Truth: Many serious injuries—like whiplash, concussions, and internal trauma—can take hours or days to manifest. Delaying medical treatment can damage your health and your legal claim.
Insurance companies use medical delays as evidence that your injury was unrelated to the accident. Always seek prompt medical care, even if you feel “okay” at first.
Myth #4: “Hiring a Lawyer Is Too Expensive.”
Truth: Most personal injury attorneys in Illinois—including Schierer & Ritchie—work on a contingency fee basis. That means:
- You pay nothing upfront
- You only pay if we win or settle your case
- The fee comes from the settlement, not your pocket
Hiring a lawyer often results in a higher net payout, even after fees.
Myth #5: “It Was Just a Minor Accident, So I Don’t Need a Lawyer.”
Truth: Even minor accidents can lead to significant expenses. In Illinois, settlements for minor car accidents can range from $3,000 to $10,000, depending on damages and injuries. (Lefante Law)
Insurance companies often make quick settlements on minor crashes because they know many people won’t lawyer up. An attorney ensures you don’t resign your rights too early or settle for far less than you deserve.
Myth #6: “I Can’t File a Claim Without a Police Report.”
Truth: While a police report strengthens your case, it’s not mandatory to file a claim. Other forms of evidence—like photos, witness statements, or medical records—can support your case.
Still, we strongly recommend always calling the police after an accident, even if it seems minor. The report serves as an official, neutral record and can be powerful in proving fault.
Myth #7: “The At-Fault Driver’s Insurance Will Automatically Cover Everything.”
Truth: Illinois law requires drivers to carry minimum liability insurance of $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage. However, damages often exceed these limits, and some drivers may be uninsured. (Illinois Department of Insurance)
Illinois drivers must carry liability insurance, but it may not fully cover your medical costs, property damage, or long-term care. If the other driver is underinsured—or uninsured—you’ll need to explore UM/UIM (Uninsured/Underinsured Motorist) coverage under your policy.
An attorney can help identify all possible sources of compensation, including your insurance, health insurance, and third parties.
Know the Truth. Protect Your Rights.
If you’ve been involved in a car accident in Illinois, don’t let myths or misinformation steer your decisions. The stakes are too high—your health, finances, and future may depend on it.
Contact Schierer & Ritchie LLC Today For a Free Consultation
At Schierer & Ritchie, we give honest, straightforward guidance—no pressure, no upfront fees. If you don’t need a lawyer, we’ll tell you. But if we can help, we’ll fight to maximize every dollar you deserve. Schedule a free consultation today, and let’s clear the road ahead.