{"id":8299,"date":"2026-10-06T00:57:17","date_gmt":"2026-10-06T00:57:17","guid":{"rendered":"https:\/\/conboyinjurylaw.com\/?page_id=8299"},"modified":"2026-10-06T01:00:55","modified_gmt":"2026-10-06T01:00:55","slug":"what-if-the-other-driver-doesnt-have-insurance","status":"publish","type":"page","link":"https:\/\/conboyinjurylaw.com\/es\/resources\/what-if-the-other-driver-doesnt-have-insurance\/","title":{"rendered":"\u00bfQu\u00e9 sucede si el otro conductor no tiene seguro?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Puntos clave<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Su propia p\u00f3liza suele ser el primer lugar en el que mirar.<\/strong> Las p\u00f3lizas de seguros de autom\u00f3viles de Illinois deben incluir cobertura por lesiones corporales de automovilistas no asegurados de al menos $25,000 por persona y $50,000 por accidente, y tambi\u00e9n se aplica a los accidentes de atropello y fuga calificables.<\/li>\n\n\n\n<li><strong>\"No tengo seguro\" no es el final de la historia.<\/strong> La p\u00f3liza de responsabilidad civil del propietario del veh\u00edculo, la cobertura del empleador o cualquier otra parte responsable a\u00fan pueden aplicarse, y usted puede presentar una reclamaci\u00f3n contra el conductor sin seguro personalmente.<\/li>\n\n\n\n<li><strong>Tu propia compa\u00f1\u00eda de seguros no pagar\u00e1 autom\u00e1ticamente de forma justa.<\/strong> Puede impugnar la culpa, la causalidad y el valor de los da\u00f1os. De acuerdo con la norma de negligencia comparativa modificada de Illinois, no podr\u00e1 obtener indemnizaci\u00f3n si tiene m\u00e1s del 50% de culpa.<\/li>\n\n\n\n<li><strong>No conf\u00ede en el plazo general de dos a\u00f1os.<\/strong> Las p\u00f3lizas de UM\/UIM pueden establecer sus propias plazos de notificaci\u00f3n m\u00e1s cortos, arbitraje o acci\u00f3n legal, por lo que es recomendable revisar su p\u00f3liza poco despu\u00e9s del accidente.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Si el conductor que caus\u00f3 el accidente no tiene seguro, a\u00fan puede ser posible obtener una indemnizaci\u00f3n. En Illinois, usted mismo<\/strong> <a href=\"https:\/\/www.progressive.com\/answers\/uninsured-motorist-insurance\/\"><strong>cobertura contra conductores no asegurados<\/strong><\/a> <strong>En general, puede ofrecer una indemnizaci\u00f3n por las lesiones causadas por un conductor sin seguro o que huy\u00f3 del lugar del accidente. Otras coberturas pueden ayudar a cubrir los da\u00f1os del veh\u00edculo y los gastos m\u00e9dicos.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lo importante es no asumir que no hay forma de recuperar el dinero simplemente porque el otro conductor infringi\u00f3 la ley al conducir sin seguro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Conboy Law, we help people injured in Chicago car accidents identify every available source of insurance and compensation. If you were hit by an uninsured driver, call 312-726-9000 for a free consultation.<\/p>\n\n\n<div id=\"div_block-2-7719\" class=\"ct-div-block\" ><div id=\"div_block-3-7719\" class=\"ct-div-block\" ><\/div><div id=\"div_block-16-7719\" class=\"ct-div-block cta-content\" ><div id=\"div_block-17-7719\" class=\"ct-div-block\" ><div id=\"div_block-23-7719\" class=\"ct-div-block\" ><img decoding=\"async\"  id=\"image-18-7719\" alt=\"\" src=\"https:\/\/conboyinjurylaw.com\/wp-content\/uploads\/2026\/07\/conboy-site-logo-2.png?wsr\" class=\"ct-image\" srcset-disabled=\"\" sizes=\"(max-width: 195px) 100vw, 195px\" \/><\/div><div id=\"div_block-31-7719\" class=\"ct-div-block\" ><div id=\"div_block-35-7719\" class=\"ct-div-block\" ><h2 id=\"headline-19-7719\" class=\"ct-headline\">Tu caso. Tu futuro. Nuestro compromiso total.<\/h2><div id=\"text_block-20-7719\" class=\"ct-text-block\" >Obtenga representaci\u00f3n legal que realmente importe.<\/div><\/div><div id=\"div_block-21-7719\" class=\"ct-div-block site__btn\" ><a id=\"link_button-22-7719\" class=\"ct-link-button cta-btn\" href=\"https:\/\/conboyinjurylaw.com\/es\/contactenos\/\"   >Obtenga su consulta gratuita hoy<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">\u00bfQui\u00e9n paga cuando el conductor responsable no tiene seguro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Normalmente, el primer lugar en el que debes buscar es en tu p\u00f3liza de seguro de autom\u00f3vil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Illinois requiere que las p\u00f3lizas de auto incluyan cobertura por lesiones corporales de automovilistas no asegurados con l\u00edmites m\u00ednimos de: <a href=\"https:\/\/idoi.illinois.gov\/consumers\/consumerinsurance\/auto-insurance-shopping-guide.html\">$25.000 por persona y $50.000 por accidente<\/a>. Esta cobertura protege a las personas aseguradas que tienen derecho legal a obtener una indemnizaci\u00f3n por da\u00f1os causados por conductores no asegurados y que se dieron a la fuga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dependiendo de su p\u00f3liza y del accidente, pueden ser relevantes varios tipos de cobertura:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cobertura de lesiones corporales de automovilistas no asegurados por lesiones causadas por un conductor no asegurado<\/li>\n\n\n\n<li>Cobertura de colisi\u00f3n por da\u00f1os en su veh\u00edculo<\/li>\n\n\n\n<li>Cobertura de pagos m\u00e9dicos para ciertos gastos m\u00e9dicos<\/li>\n\n\n\n<li>Cobertura de da\u00f1os a la propiedad de automovilistas no asegurados, si se compra<\/li>\n\n\n\n<li>Seguro de salud para el tratamiento m\u00e9dico<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La cobertura que se debe utilizar depende de lo que ocurri\u00f3 y de los t\u00e9rminos de su p\u00f3liza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 debe hacer despu\u00e9s de un accidente con un conductor sin seguro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Descubrir que el otro conductor no tiene seguro puede cambiar el curso de su reclamaci\u00f3n. Tome varias medidas anticipadas para proteger sus opciones.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Llame a la polic\u00eda<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Reconozca el accidente y solicite un informe de accidente. El informe puede documentar a los conductores y veh\u00edculos involucrados, la informaci\u00f3n de seguros proporcionada en el lugar, los testigos y otros detalles importantes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Recibir tratamiento m\u00e9dico<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No demore en buscar atenci\u00f3n m\u00e9dica necesaria mientras intenta determinar qui\u00e9n pagar\u00e1. Guarde copias de las facturas, los registros m\u00e9dicos, las recetas y la documentaci\u00f3n que demuestre c\u00f3mo sus lesiones afectan su trabajo y sus actividades diarias.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Recopile la informaci\u00f3n del conductor ajeno<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Obt\u00e9n sus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nombre y direcci\u00f3n<\/li>\n\n\n\n<li>Informaci\u00f3n de la licencia de conducir<\/li>\n\n\n\n<li>N\u00famero de placa<\/li>\n\n\n\n<li>Informaci\u00f3n sobre el veh\u00edculo<\/li>\n\n\n\n<li>Informaci\u00f3n sobre seguros, si la tienen<\/li>\n\n\n\n<li>Informaci\u00f3n del empleador si trabajaba cuando ocurri\u00f3 el accidente<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Que un conductor diga \u201cNo tengo seguro\u201d no necesariamente pone fin a la investigaci\u00f3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Comun\u00edcate con tu propia compa\u00f1\u00eda de seguros<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Informe a su compa\u00f1\u00eda de seguros de inmediato sobre el accidente, especialmente si podr\u00eda ser necesario presentar una reclamaci\u00f3n por da\u00f1o a un automotor no asegurado. Antes de dar una declaraci\u00f3n detallada o firmar autorizaciones generales, considere consultar con un abogado para que revise lo que solicita su compa\u00f1\u00eda de seguros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Obt\u00e9n una copia de tu p\u00f3liza de seguro<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En la p\u00e1gina de declaraciones podr\u00e1s ver los l\u00edmites de tu UM\/UIM, la cobertura de colisiones, la cobertura MedPay y otras protecciones. La p\u00f3liza completa tambi\u00e9n es importante, ya que contiene requisitos de aviso, exclusiones, condiciones y procedimientos para presentar reclamaciones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo se sabe que el otro conductor realmente no tiene seguro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No conf\u00edes \u00fanicamente en lo que el conductor dijo en el lugar del accidente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un conductor que personalmente no tiene seguro puede estar utilizando un veh\u00edculo cubierto por la p\u00f3liza de otra persona. La p\u00f3liza del empleador podr\u00eda aplicarse si el conductor estaba trabajando. Una p\u00f3liza que inicialmente parece inactiva tambi\u00e9n puede requerir una investigaci\u00f3n adicional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La ley de Illinois tambi\u00e9n establece ciertas reglas para establecer la condici\u00f3n de no asegurado. <a href=\"https:\/\/www.ilga.gov\/documents\/legislation\/ilcs\/documents\/021500050K143a.htm\">Secci\u00f3n 143a del C\u00f3digo de Seguros de Illinois<\/a>, la falta de proporcionar la informaci\u00f3n requerida al Estado <a href=\"https:\/\/www.ilsos.gov\/departments\/drivers\/drivers-license\/sr-22-uninsured-crashes\/safefinlaw.html\">Secci\u00f3n de Responsabilidad de Seguridad<\/a> dentro del plazo legal puede establecerse una presunci\u00f3n refutable sobre si el conductor no estaba asegurado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un abogado puede investigar las p\u00f3lizas disponibles antes de asumir que la cobertura de UM que usted tiene es la \u00fanica fuente de recuperaci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfPara qu\u00e9 sirve la cobertura para automovilistas sin seguro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La cobertura de lesiones corporales en caso de accidente de automovilista no asegurado generalmente cubre p\u00e9rdidas relacionadas con lesiones f\u00edsicas, en lugar de cubrir autom\u00e1ticamente todo lo relacionado con el accidente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dependiendo de la reclamaci\u00f3n, los da\u00f1os resarcibles pueden incluir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gastos m\u00e9dicos<\/li>\n\n\n\n<li>El cuidado m\u00e9dico futuro basado en la evidencia<\/li>\n\n\n\n<li>Salarios perdidos<\/li>\n\n\n\n<li>Reducci\u00f3n de la capacidad de ganancia<\/li>\n\n\n\n<li>Dolor y sufrimiento<\/li>\n\n\n\n<li>Discapacidad<\/li>\n\n\n\n<li>Desfiguraci\u00f3n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Todav\u00eda es necesario establecer la culpa del otro conductor, las lesiones que sufri\u00f3 y la cantidad de los da\u00f1os que sufri\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu propia compa\u00f1\u00eda de seguros no solo paga los l\u00edmites de tu p\u00f3liza porque el otro conductor no ten\u00eda seguro.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQui\u00e9n paga los da\u00f1os a tu coche?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El da\u00f1o a los veh\u00edculos se trata de manera diferente que el da\u00f1o corporal.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si usted compr\u00f3 <a href=\"https:\/\/idoi.illinois.gov\/consumers\/consumerinsurance\/auto-definitions.html\">Cobertura de colisi\u00f3n<\/a>, Si tiene una p\u00f3liza de seguro con su propia compa\u00f1\u00eda de seguros, puede presentar una reclamaci\u00f3n con arreglo a los t\u00e9rminos de su p\u00f3liza y a su franquicia de responsabilidad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las compa\u00f1\u00edas de seguros de Illinois tambi\u00e9n deben ofrecer cobertura para da\u00f1os a los bienes de automovilistas no asegurados. Esta cobertura puede estar sujeta a un l\u00edmite de responsabilidad. <a href=\"https:\/\/idoi.illinois.gov\/consumers\/consumerinsurance\/auto-definitions.html\">hasta $250<\/a> y otros requisitos legales y de pol\u00edtica. Es importante destacar que la ley de Illinois limita esta cobertura cuando el veh\u00edculo responsable no puede ser identificado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta distinci\u00f3n puede ser crucial despu\u00e9s de un atropello y huida.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 sucede si el otro conductor tiene seguro, pero no es suficiente?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Se trata de una situaci\u00f3n de asegurado bajo, o UIM, en lugar de una reclamaci\u00f3n de un asegurado no asegurado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Illinois exige que los conductores lleven al menos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>$25,000<\/strong> en la cobertura de responsabilidad civil por lesiones corporales por persona<\/li>\n\n\n\n<li><strong>$50,000<\/strong> por accidente por lesiones corporales<\/li>\n\n\n\n<li><strong>$20,000<\/strong> por da\u00f1os a los bienes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Estos l\u00edmites pueden ser alcanzados r\u00e1pidamente en un choque grave.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La cobertura para automovilistas sin seguro puede proporcionar una protecci\u00f3n adicional cuando la cobertura de responsabilidad aplicable del conductor responsable sea inferior a los l\u00edmites de la UIM. Illinois requiere la cobertura UIM cuando los l\u00edmites de la UIM exceden el m\u00ednimo legal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No aceptes la oferta de la aseguradora del otro conductor sin comprobar si ello podr\u00eda afectar a una reclamaci\u00f3n por un conductor con una cobertura insuficiente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfSe puede demandar a un conductor que no tiene seguro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. La falta de seguro no elimina la responsabilidad personal del conductor por causar un accidente. Es posible presentar una demanda por lesiones personales directamente contra un conductor que no tiene seguro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La pregunta pr\u00e1ctica es si el conductor tiene ingresos o activos de los cuales se pueda cobrar una sentencia de manera realista. La persona que no tiene la cobertura de seguro de autom\u00f3vil necesaria tambi\u00e9n puede tener recursos financieros limitados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eso no significa que una demanda judicial deba ser autom\u00e1ticamente rechazada. Un abogado puede investigar las circunstancias antes de decidir si una acci\u00f3n judicial directa tiene sentido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfPodr\u00eda ser otra persona responsable del accidente?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A veces. No detengan la investigaci\u00f3n simplemente porque la persona que estaba al volante no ten\u00eda seguro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dependiendo de las circunstancias, otra parte potencialmente responsable podr\u00eda ser:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El empleador del conductor<\/li>\n\n\n\n<li>El propietario del veh\u00edculo<\/li>\n\n\n\n<li>Otro conductor negligente<\/li>\n\n\n\n<li>Una empresa responsable de la condici\u00f3n de un veh\u00edculo peligroso<\/li>\n\n\n\n<li>Una entidad gubernamental responsable de ciertos peligros en las carreteras<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si un conductor sin seguro caus\u00f3 el accidente mientras realizaba tareas laborales, el seguro que tenga el empleador puede ser importante. Identificar a otros imputados puede ser especialmente valioso cuando las lesiones sean graves y el conductor sin seguro tenga pocos activos.<\/p>\n\n\n<div id=\"div_block-2-7760\" class=\"ct-div-block\" ><div id=\"div_block-3-7760\" class=\"ct-div-block cta-content\" ><div id=\"div_block-4-7760\" class=\"ct-div-block\" ><div id=\"div_block-11-7760\" class=\"ct-div-block\" ><img decoding=\"async\"  id=\"image-9-7760\" alt=\"\" src=\"https:\/\/conboyinjurylaw.com\/wp-content\/uploads\/2026\/07\/conboy-site-logo-2.png?wsr\" class=\"ct-image\" srcset-disabled=\"\" sizes=\"(max-width: 195px) 100vw, 195px\" \/><h2 id=\"headline-5-7760\" class=\"ct-headline\">Tratamos tu caso como si fuera nuestro propio<\/h2><div id=\"text_block-6-7760\" class=\"ct-text-block\" >Obtenga la justicia que le corresponde.<\/div><\/div><div id=\"div_block-7-7760\" class=\"ct-div-block site__btn\" ><a id=\"link_button-8-7760\" class=\"ct-link-button cta-btn\" href=\"https:\/\/conboyinjurylaw.com\/es\/contactenos\/\"   >cont\u00e1ctenos hoy<\/a><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 pasar\u00eda si fuera un atropello y huida?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La cobertura de lesiones corporales por lesiones a automovilistas no asegurados de Illinois tambi\u00e9n protege a las personas heridas por veh\u00edculos que se estrellan y se retiran del lugar del accidente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despu\u00e9s de un atropello:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Llame a la polic\u00eda de inmediato<\/li>\n\n\n\n<li>Registre toda la informaci\u00f3n posible sobre el veh\u00edculo<\/li>\n\n\n\n<li>Fotograf\u00eda la escena<\/li>\n\n\n\n<li>Busque c\u00e1maras de seguridad o de tr\u00e1fico cercanas<\/li>\n\n\n\n<li>Obtenga la informaci\u00f3n de contacto del testigo<\/li>\n\n\n\n<li>Notifique a su compa\u00f1\u00eda de seguros de inmediato<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Las im\u00e1genes en v\u00eddeo pueden desaparecer r\u00e1pidamente, por lo que una investigaci\u00f3n temprana puede marcar una gran diferencia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 pasar\u00eda si usted fuera pasajero?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Puede que a\u00fan tenga validez la cobertura de automovilistas no asegurados aunque no estuviera al volante. La cobertura puede provenir de la p\u00f3liza que cubre el veh\u00edculo que usted ocupaba, de su propia p\u00f3liza o de otra p\u00f3liza aplicable para el hogar, dependiendo de las circunstancias y del lenguaje de la p\u00f3liza. No se debe asumir que ser pasajero impida presentar una reclamaci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfSu propia compa\u00f1\u00eda de seguros pagar\u00e1 autom\u00e1ticamente de manera justa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No necesariamente. Una vez que presentas una reclamaci\u00f3n por un conductor no asegurado, tu aseguradora eval\u00faa aspectos como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00bfQui\u00e9n caus\u00f3 el accidente?<\/li>\n\n\n\n<li>Si comparte alguna culpa<\/li>\n\n\n\n<li>Si sus lesiones fueron consecuencia del accidente<\/li>\n\n\n\n<li>Si el tratamiento m\u00e9dico fue razonable<\/li>\n\n\n\n<li>Cu\u00e1nto valen sus da\u00f1os<\/li>\n\n\n\n<li>Si la p\u00f3liza cubre la p\u00e9rdida<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En otras palabras, aunque se trate de su compa\u00f1\u00eda de seguros, sus intereses financieros no son necesariamente los mismos que los suyos. Las disputas relacionadas con la cobertura de conductores no asegurados en Illinois generalmente est\u00e1n sujetas a procedimientos de arbitraje establecidos por la ley estatal y la p\u00f3liza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfSe aplica la culpa comparativa a una reclamaci\u00f3n de un motorista sin seguro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La falta sigue siendo importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Illinois aplica la norma modificada de negligencia comparativa. De acuerdo con la ley estatal, no se le permite obtener una indemnizaci\u00f3n si es m\u00e1s del 50% responsable de la lesi\u00f3n. Si usted tiene m\u00e1s del 50% de responsabilidad, los da\u00f1os que le correspondan se reducir\u00e1n en funci\u00f3n de su porcentaje de responsabilidad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si los da\u00f1os son de $100.000 y se determina que usted es responsable del 20%, los da\u00f1os resarcibles podr\u00e1n reducirse a $80.000, sujeto a los l\u00edmites de seguro aplicables y a otras normas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu propia compa\u00f1\u00eda de seguros puede impugnar la responsabilidad, al igual que la de otra empresa de seguros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfCu\u00e1nto tiempo tiene que tomarse para presentar una reclamaci\u00f3n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No asumas que tienes tiempo ilimitado porque est\u00e1s tratando con tu propia compa\u00f1\u00eda de seguros. Illinois generalmente otorga una indemnizaci\u00f3n a una persona lesionada <a href=\"https:\/\/www.findlaw.com\/state\/illinois-law\/illinois-civil-statute-of-limitations-laws.html\">dos a\u00f1os<\/a> para presentar una demanda por lesiones personales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, las reclamaciones de conductores sin seguro ni con insuficiencia de cobertura implican contratos de seguros que pueden contener sus propios plazos de notificaci\u00f3n, arbitraje o acci\u00f3n legal. La Asociaci\u00f3n Estatal de Abogados de Illinois ha advertido espec\u00edficamente que las limitaciones contractuales pueden afectar <a href=\"https:\/\/car-accidents.justia.com\/types-of-car-accidents\/uninsured-underinsured-motorist-accidents\/\">Reclamaciones de UM\/UIM<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La forma m\u00e1s segura es revisar la p\u00f3liza poco despu\u00e9s del accidente, en lugar de calcular el plazo a partir de una regla general.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntas frecuentes<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1791247722962\"><strong class=\"schema-faq-question\">\u00bfTengo que pagar mi franquicia si el otro conductor no tiene seguro?<\/strong> <p class=\"schema-faq-answer\">Depende de la cobertura que utilices. La cobertura de colisi\u00f3n suele tener un l\u00edmite de responsabilidad, mientras que otras coberturas tienen reglas diferentes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791247752395\"><strong class=\"schema-faq-question\">\u00bfLa cobertura para automovilistas no asegurados incluye los accidentes de fuga de la escena del crimen?<\/strong> <p class=\"schema-faq-answer\">El seguro de lesiones corporales de Illinois cubre accidentes de atropello y fuga sin intenci\u00f3n de causar da\u00f1o. La cobertura por da\u00f1os a los bienes se rige por normas diferentes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791247824794\"><strong class=\"schema-faq-question\">\u00bfPuedo recuperarme si no tengo cobertura de colisi\u00f3n?<\/strong> <p class=\"schema-faq-answer\">Posiblemente. Puede que a\u00fan tenga cobertura por lesiones corporales a trav\u00e9s de la p\u00f3liza de UM, y pueden aplicarse da\u00f1os a la propiedad de automovilistas no asegurados o cualquier otra fuente dependiendo de su p\u00f3liza y los hechos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791247847702\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 pasar\u00eda si el conductor no asegurado hubiera alquilado un coche de otra persona?<\/strong> <p class=\"schema-faq-answer\">La cobertura de seguro del propietario del veh\u00edculo podr\u00eda aplicarse. Es necesario investigar la cobertura antes de considerar al conductor como totalmente sin seguro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1791247862710\"><strong class=\"schema-faq-question\">\u00bfDeber\u00eda aceptar un acuerdo con mi propia compa\u00f1\u00eda de seguros?<\/strong> <p class=\"schema-faq-answer\">Debe entender el alcance de sus lesiones, la cobertura disponible y los derechos que otorga el acuerdo antes de aceptarlo.<\/p> <\/div> <\/div>\n\n\n<div id=\"div_block-2-7765\" class=\"ct-div-block\" ><div id=\"div_block-3-7765\" class=\"ct-div-block cta-content\" ><div id=\"div_block-4-7765\" class=\"ct-div-block\" ><img decoding=\"async\"  id=\"image-5-7765\" alt=\"\" src=\"https:\/\/conboyinjurylaw.com\/wp-content\/uploads\/2026\/07\/conboy-site-logo-2.png?wsr\" class=\"ct-image\" srcset-disabled=\"\" sizes=\"(max-width: 195px) 100vw, 195px\" \/><h2 id=\"headline-6-7765\" class=\"ct-headline\">Obtenga claridad, confianza y una representaci\u00f3n poderosa.<\/h2><div id=\"text_block-7-7765\" class=\"ct-text-block\" >Obtenga hoy mismo un equipo legal de confianza a su lado.<\/div><div id=\"div_block-8-7765\" class=\"ct-div-block site__btn\" ><a id=\"link_button-9-7765\" class=\"ct-link-button cta-btn\" href=\"https:\/\/conboyinjurylaw.com\/es\/contactenos\/\"   >cont\u00e1ctenos hoy<\/a><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">Consulte a Conboy Law tras un accidente con un conductor sin seguro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Descubrir que el conductor que caus\u00f3 el accidente no tiene seguro <strong>no<\/strong> Esto no significa necesariamente que tengas que pagar por todo t\u00fa mismo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El siguiente paso consiste en determinar qu\u00e9 seguro se aplica realmente. Esto puede incluir cobertura para conductores sin seguro, cobertura de colisi\u00f3n, MedPay, una p\u00f3liza para otro propietario del veh\u00edculo, una p\u00f3liza del empleador o otra fuente de compensaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conboy Law ayuda a las personas lesionadas en accidentes de auto en Chicago a investigar las coberturas disponibles, documentar sus p\u00e9rdidas y tratar con las compa\u00f1\u00edas de seguros tras los accidentes en los que estuvieron involucrados conductores sin seguro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are wondering what happens when the other driver doesn't have insurance, call Conboy Law at 312-726-9000 for a free consultation.<\/p>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways If the driver who caused your accident does not have insurance, you may still be able to recover compensation. In Illinois, your own uninsured motorist coverage can usually provide compensation for injuries caused by an uninsured or hit-and-run driver. Other coverage may help with vehicle damage and medical expenses. The important thing is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6482,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_ayudawp_aiss_exclude":false,"footnotes":""},"categories":[],"tags":[],"page-category":[43],"class_list":["post-8299","page","type-page","status-publish","hentry","page-category-car-accident"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What If the Other Driver Doesn\u2019t Have Insurance? - Conboy Law Injury &amp; Medical Malpractice Lawyers<\/title>\n<meta name=\"description\" content=\"Hit by an uninsured driver in Chicago? Your UM coverage may still pay for your injuries. Call Conboy Law at 312-726-9000 for a free consultation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/conboyinjurylaw.com\/es\/recursos\/what-if-the-other-driver-doesnt-have-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What If the Other Driver Doesn\u2019t Have Insurance? - Conboy Law Injury &amp; Medical Malpractice Lawyers\" \/>\n<meta property=\"og:description\" content=\"Hit by an uninsured driver in Chicago? Your UM coverage may still pay for your injuries. 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Collision coverage often has a deductible, while other coverages have different rules.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247752395","position":2,"url":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247752395","name":"\u00bfLa cobertura para automovilistas no asegurados incluye los accidentes de fuga de la escena del crimen?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Illinois UM bodily injury coverage includes qualifying hit-and-run accidents. Property damage coverage follows different rules.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247824794","position":3,"url":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247824794","name":"\u00bfPuedo recuperarme si no tengo cobertura de colisi\u00f3n?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Possibly. You may still have bodily injury coverage through UM insurance, and uninsured motorist property damage or another source may apply depending on your policy and the facts.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247847702","position":4,"url":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247847702","name":"\u00bfQu\u00e9 pasar\u00eda si el conductor no asegurado hubiera alquilado un coche de otra persona?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The vehicle owner's insurance may potentially apply. Coverage should be investigated before treating the driver as completely uninsured.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247862710","position":5,"url":"https:\/\/conboyinjurylaw.com\/resources\/what-if-the-other-driver-doesnt-have-insurance\/#faq-question-1791247862710","name":"\u00bfDeber\u00eda aceptar un acuerdo con mi propia compa\u00f1\u00eda de seguros?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You should understand the extent of your injuries, available coverage, and what rights the settlement releases before accepting it.","inLanguage":"es"},"inLanguage":"es"}]}},"_links":{"self":[{"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/pages\/8299","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/comments?post=8299"}],"version-history":[{"count":2,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/pages\/8299\/revisions"}],"predecessor-version":[{"id":8302,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/pages\/8299\/revisions\/8302"}],"up":[{"embeddable":true,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/pages\/6482"}],"wp:attachment":[{"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/media?parent=8299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/categories?post=8299"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/tags?post=8299"},{"taxonomy":"page-category","embeddable":true,"href":"https:\/\/conboyinjurylaw.com\/es\/wp-json\/wp\/v2\/page-category?post=8299"}],"curies":[{"name":"\u00a1Bien jugado!","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}