There are two primary ways states handle auto insurance claims after an accident. The way Illinois handles claims is different from Florida. For example, Illinois is a fault state for insurance purposes. When you are involved in an accident, you will file a claim with the liable party’s auto insurance provider.
However, suppose you live in the state of Florida, or any other no-fault insurance state, instead of filing a claim with the liable party’s insurance company. In that case, you will file a claim with your own insurance provider. This is because you will have purchased personal injury protection (PIP) coverage as part of your auto insurance coverage. This is designed to provide you with certain protections when you are involved in an accident, no matter who is responsible for causing the collision.
Because Illinois is a fault state, you will need to file a claim with the liable party’s insurance company unless you purchase your own no-fault insurance coverage when you are involved in a car accident within the state of Illinois.