Join Date: Mar 2008
Location: Suburbs, IL
Location: Suburbs, IL
Years Riding: 7 years
How you found us: From friends
As far as I'm considered...it's a big issue. As far as the city is concerned...well they don't care.
Couple things come into play here:
First, in the event of a traffic accident with no serious injuries, where a car doesn't need to be towed, you're supposed to drive to the police station and fill out a report. Good luck having someone who just hit you drive to the police station and admit fault.
Second, police officers in Chicago are upset with the paycuts, and other problems with their retirement plans. Thus, they're taking it out on the city, by taking it out on citizens. That is, they're not working while at work because they're pissed at the city. This affects the people, and not the city. So...in the event you are in an accident, Police do not have to show up, and because they don't have to, they absolutely won't.
Third, I just had this situation with a client. He called me at 11:00 pm. Just got done with an accident, what do I do now type of thing. The other guy had no insurance, admited to him he didn't have insurance, had rear ended my client, about $5,000 damage to my clients car, but the car still drove. The CPD told him to let the other guy go, drive his car home, and call his insurance. So, he's got rear-end damage, no ID for the other guy, no plate #, nothing. Only thing we can do is put it in as an at-fault accident.
***If you are involved in an accident in Chicago. Get the other drivers info (name, address, phone number, drivers license #, insurance company, policy #, phone # for them), get their year/make/model, plate number, etc. Take pictures of your car, their car, and the scene of the accident around you. Get as much info as you can get documented so that when you put in a claim with your insurance, they can contact the other insurance, and try to work things out. This will be easy or hard depending on who the other insurance carrier is (good luck having a sub par carrier pay!).
Essentially, it seems that in Chicago, any accident, your fault or not, is almost your fault. (just like Michigan, where it's a no fault state).
State Farm® - Agent
108 E Lake St. Unit 2
Bloomingdale, IL 60108
Office: (630) 980-9809
Fax: (630) 980-9858
Benjamin Franklin - “It is a strange anomaly that men should be careful to insure their houses, their ships, and their merchandise, and yet neglect to insure their lives”.