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Ways to Prepare for an Illinois Car Accident Before it Occurs

One way that drivers can prepare for car accidents is to have sufficient insurance. Checklists and having contact information ready are two other ways.

Car accidents, from minor fender benders to serious crashes, happen every day in Illinois. It may seem strange to prepare for a car accident before it happens, but many people are involved in at least one at some point during their lives.

Have Adequate Insurance

Illinois has minimum insurance requirements. For example, the Secretary of State website explains:

"You are in compliance with the mandatory insurance law if you have vehicle liability insurance in the following minimum amounts:

  • $25,000 - injury or death of one person in an accident
  • $50,000 - injury or death of more than one person in an accident
  • $20,000 - damage to property of another person."

But does this mean that the listed amounts above are sufficient? Often, they are not. By paying a few more dollars a month, drivers can get much more protection to help them cover medical expenses, property damage and much more. The minimums really are only minimums.

Keep a Checklist of What to do Inside an Emergency Kit

Motorists should keep an emergency kit in their cars. It can be relatively bare bones or fairly exhaustive. Common items to include are spare batteries, hazard triangles, road flares, toolkits, first aid equipment, chemical warm packs, wool blankets, water bottles and food.

One item that many drivers forget is a simple checklist of what to do after an accident. It is easy to think, "Oh, I will remember what to do," but a car crash is a stressful time. It is common for motorists to panic and to skip important steps. A checklist at its most basic could include:

  • Stop the car as soon as it is safe (any necessary medical care takes priority).
  • Never admit fault to anyone. Only discuss facts.
  • Report the accident to the police.
  • Collect facts such as names, makes and models, vehicle identification numbers and insurance information.
  • Take photos to document any damage.
  • Contact the insurer.

By consulting the checklist, motorists decrease the odds that critical elements will be overlooked.

Keep a few Things Accessible

In order to document any damage with photos, motorists must have a camera. A cellphone camera should suffice. It also goes without saying that drivers should have their insurance information and other contact information handy. Not all drivers make it through an accident conscious; if a motorist is rendered unconscious, having a spouse listed as "Emergency Contact," in the cellphone helps police know who to contact.

Being involved in an Illinois car accident can be a scary experience. Preparing for it does not increase the odds an accident will happen, but it can greatly decrease the stress drivers feel if a crash does occur. A lawyer can also help navigate the post-accident aftermath.

Client Reviews
Shawn Collins is a very talented lawyer, as are all the attorneys on his team. I've known and worked with Shawn for more that 30 years. Not only is he a top notch technical litigator but his communication skills are second to none. If anyone I know is ever in need of an attorney, Shawn is my very first recommendation. He gives very solid advice that goes beyond the law. He is someone you can trust to tell you the truth so you are not lead astray in the complex legal world. You really can't find a better advocate. E.M.
We were incredibly satisfied with our experience with The Collins Law Firm. We worked closely with Ed Manzke and found that he had a personal touch and truly got to know us in addition to being knowledgeable and effective in his field. The caring and individual attitude helped us tremendously throughout the entire process and we always felt like our case was in safe hands. We would highly recommend The Collins Law Firm for both its stellar work and dedicated employees. M.A.
My father recommended The Collins Law Firm to me after watching Shawn Collins and Ed Manzke at trial representing Lisle residents against Lockformer. For years, he told us courtroom tales about Shawn and Ed, citing their incredible skill as trial lawyers and how they put the huge Lockformer legal team to shame. So when my son was the victim of a wrongful death, they were my first and only choice. I can't say enough to truly express how grateful I am to The Collin's Law Firm for all that they did for me and my family. This amazing team advocated for me in my darkest moments, surpassing my expectations in every way. I will be forever grateful to Shawn and Ed. K.D.
I have worked with Rob, Shawn and The Collins Law Firm team in connection with both complex business transactions and litigation over the past several years. Shawn is far and away the best business litigation attorney I have worked with. Rob has been our lead attorney on M&A and corporate restructures, and he has delivered each time, and on time. I would highly recommend Rob to get the deal done! W.D.
Rob has been our out-side General Counsel for ten years. As a business with a global presence, it is important that we have the very best legal representation. Rob and the team have guided us through litigation battles, negotiating and drafting our important business contracts, and advising us in our business strategies. He has a great team of lawyers working with him. M.F.