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Car Accident FAQs in Illinois

Can you sue for a car accident in IL?

Yes, you can sue for a car accident in Illinois, but your ability to do so depends on factors such as the statute of limitations and the specific circumstances of the crash. Illinois law places time limits on filing a car accident lawsuit, and certain legal requirements must be met. The best way to determine whether you have a valid claim is to speak with an experienced Illinois car accident attorney who can review the details of your accident, what actions have already been taken, and how much time remains to pursue your case.

How long after an accident can you sue in Illinois?

In most car accident cases, Illinois law allows two years from the date of the accident to file a lawsuit. There are some exceptions to this deadline. If the at-fault party is a state, city, county, or another government entity, special notice requirements and shorter timeframes may apply. Additionally, when the injured person is a minor, the statute of limitations may not begin to run until they reach the age of 18. Because these rules can vary depending on the circumstances, it’s important to speak with an attorney as soon as possible to understand how much time you have to take legal action.

When should you get a lawyer for a car accident?

As soon as possible. After a car accident, there are many moving parts, and insurance companies often push for quick settlements that may not fully cover your losses. Even your own insurer may be focused on limiting what they pay. Speaking with an experienced personal injury lawyer early on can help you organize important information, obtain police and crash reports, communicate with insurance companies, and protect your rights from the start. Having legal guidance in place makes it easier to pursue compensation for all of your expenses and avoid costly mistakes along the way.

Who pays for car damage in Illinois?

It can depend on the circumstances of the accident. Illinois uses a fault-based system, which means the driver who caused the crash is generally responsible for paying for vehicle damage. In some situations, more than one party may share responsibility, which can affect how damages are allocated. Illinois also follows a modified comparative negligence rule, meaning a person who is found to be more than 50 percent at fault may not be able to recover compensation. Because these issues can quickly become complex, speaking with an experienced Illinois car accident lawyer can help you understand who may be responsible and what options are available for recovering damages.

Is Illinois a “No-Fault” state for auto accidents?

No. Illinois is not a no-fault state. Illinois follows a fault-based system, which means the driver who caused the accident is generally responsible for the resulting damages. Injured drivers and passengers can pursue claims against the at-fault party for medical expenses, property damage, and other losses. If you have questions about how fault applies in your situation or how insurance coverage may affect your claim, speaking with an experienced car accident attorney can help clarify your options.

How long does an insurance company have to settle a claim in Illinois?

Illinois law does not set a strict deadline for an insurance company to settle a car accident claim. However, insurers are required to acknowledge claims promptly and handle them in a reasonable and timely manner. While insurance companies may take time to investigate liability and damages, unnecessary delays or failure to communicate can raise concerns about bad faith handling.

Learn more about how our Illinois car accident lawyers can help protect your rights and pursue fair compensation.

Do I need an attorney to make an auto accident injury claim?

Illinois law does not require you to hire an attorney to file an auto accident injury claim, but having legal representation is strongly recommended. Insurance companies and their lawyers handle these claims every day and are focused on protecting their own interests. For most people, this may be their first serious accident, and navigating the legal and insurance process can be overwhelming. An experienced Illinois car accident attorney can help you understand your rights, handle communications with insurers, and work to pursue the full compensation allowed under the law. Contact our experienced Illinois auto accident lawyers today to discuss your case.

If I was partially to blame, can I still get compensation if I’m injured?

Yes, in many cases you can. Illinois follows a modified comparative fault rule, which allows fault to be divided between the drivers involved in an accident. If you are found to be 50 percent or less at fault, you may still be able to recover compensation for your injuries, although your recovery may be reduced by your percentage of fault. If you are found to be more than 50 percent at fault, you may not be eligible to recover damages. An experienced Springfield car accident attorney can help evaluate how fault may affect your claim and what compensation may be available.

How do I know if the other driver was negligent?

Under Illinois law, an injured person must show that the other driver acted negligently and that this negligence caused the injuries. Negligence is determined by examining the driver’s actions and comparing them to what a reasonably careful driver would have done under the same or similar circumstances. If the driver failed to act with reasonable care and that failure led to the accident and injuries, the driver may be considered negligent. An experienced Illinois car accident attorney can review the facts of your case and help determine whether negligence can be established.

How long do I have to file a claim on my head injury?

In Illinois, most injury claims, including those involving head injuries, must be filed within two years from the date of the accident. This time limit is known as the statute of limitations. If a claim is filed after this deadline, it may be dismissed unless a limited exception applies. Filing as soon as possible is often the best course of action, as evidence is easier to preserve and details are fresher.

How much is my head injury case worth?

There is no fixed dollar amount for a head injury claim in Illinois. The value of a case depends on factors such as the severity of the injury, how it affects your daily life, and the amount of insurance coverage available. Compensation often begins with current medical bills and the cost of future treatment or rehabilitation. In more serious cases, long-term care, medical equipment, and other support needed to maintain independence may also be considered. The longer the recovery and the greater the impact on your life, the more those factors can influence the value of a claim.

Do head injury cases usually settle?

Many head injury cases in Illinois do settle before going to court. Insurance companies often make settlement offers once liability and damages are clear, and you and your attorney can evaluate whether an offer fairly reflects your injury and the impact it has had on your life.

That said, some insurers deny or undervalue valid claims in hopes that an injured person will not pursue the case further. An experienced personal injury attorney prepares every head injury case as if it may go to trial, even while working toward a settlement. This approach helps ensure that, whether the case resolves through negotiation or in court, your claim is supported by strong evidence and thorough preparation.

What Should You Do in a Car Accident in Springfield?

If it’s an emergency, call 911.

If a car accident involves injuries, unsafe conditions, or an emergency situation, you should call 911 right away so police and medical responders can be dispatched. In Illinois, law enforcement generally responds to crashes involving injuries, hazards, or situations where vehicles cannot be safely moved.

When injuries are reported, officers will document the scene and prepare an official crash report, which can be an important piece of evidence later. Even if injuries are not immediately obvious, calling 911 ensures that help arrives quickly and that the accident is properly recorded.

What to do if Springfield Police do not respond:

If you have just been involved in a car accident in Springfield, Illinois, your first priority should always be safety. Adrenaline can run high after a crash, and standing in traffic or near moving vehicles can be dangerous.

In some non-injury accidents where the vehicles can be safely driven, there are no hazards, and no one is hurt, Springfield Police may not remain on scene. In those situations, drivers are still encouraged to contact 911 to report the crash and receive instructions. You may be advised to do the following:

• Move your vehicles to the side of the road and out of traffic, if it is safe to do so.
• Turn on your hazard lights to alert other drivers.
• Call 911 and answer the operator’s questions so they can determine whether police or emergency services need to be dispatched.
• If officers are not sent to the scene, you may be given instructions on how and where to file an accident report with the appropriate Springfield or Illinois law enforcement agency.

Before leaving the scene, drivers should exchange important information with one another, including names, addresses, phone numbers, driver’s license numbers, insurance company names and policy numbers, and vehicle details such as the year, make, model, color, license plate number, and vehicle identification number (VIN). The VIN is typically located on the driver’s side of the dashboard and can be seen through the windshield.

Even in minor accidents, taking these steps can help protect your safety and preserve important information if an insurance claim or legal issue arises later.

What if my injury appears later?

It’s common for some injuries to show up hours, days, or even weeks after a car accident, including low-speed collisions. Adrenaline can mask symptoms at first, and once it wears off, people may begin to notice soft tissue injuries such as whiplash. These injuries do not always appear right away and, in some cases, can cause ongoing pain or long-term limitations. Other injuries that may develop later include head pain, concussions, internal injuries, or chest injuries. Car accidents can also pose unique risks during pregnancy, even if symptoms are not immediate.

If you begin to notice symptoms days or weeks after an accident, it’s important to take them seriously and seek medical attention. You should also speak with an attorney to understand how delayed injuries may affect your claim. Contact us for a free consultation and case evaluation, and we can review your situation and explain your legal options.

What else can drivers do?

After a car accident in Springfield, Illinois, it’s a good idea to gather as much information as possible if it can be done safely. This includes obtaining contact information from any witnesses and taking photos of the vehicles, damage, and surrounding area. Avoid standing in traffic or putting yourself in harm’s way while doing so.

If you experience any pain or discomfort, even if it seems minor, request that police respond to the scene so an official Springfield or Illinois crash report can be created. When a report is not completed at the scene, drivers are generally advised to file a crash report with the appropriate law enforcement agency as soon as possible. Taking these steps can help document what happened and protect your interests if an insurance claim or injury case follows.

Types of Car Accidents

• Head-on collisions
• Rear-end crashes
• Side-swipe crashes
• Rollover accidents
• T-bone crashes
• Tire blowouts
• Jackknifed truck crashes
• Steering column failures
• Undercarriage accidents
• Brake system failures

What to Do With a Fatal Car Accident

While some car accidents result in only minor damage, others have tragic consequences. When a crash leads to the loss of a loved one, families are often left overwhelmed and unsure of what steps to take next. During this painful time, having a Springfield fatal car accident lawyer can help guide you through the legal process while you focus on grieving and supporting your family.

A wrongful death claim may be brought by surviving family members when a fatal car accident is caused by another party’s negligence or wrongful conduct. In Illinois, a wrongful death case may be possible if your loved one was not entirely at fault for the crash. The responsible party is not always another driver. Liability may also involve a vehicle manufacturer, a commercial entity, or even another individual involved in the accident, depending on the circumstances.

If you have lost a family member in a fatal car accident in Springfield or elsewhere in central Illinois, speaking with a local attorney can help you understand your legal options. Noll Law Office, led by Sarah Noll, represents families in wrongful death cases with care, professionalism, and respect. We are committed to helping families pursue accountability and compensation while providing steady guidance during one of the most difficult times they may ever face.

How to Prevent and Defend Against Staged Car Accidents

Being involved in a car accident is stressful, but discovering that a crash may have been staged can make the situation even more upsetting. Many drivers are unaware that staged car accidents exist until they experience one firsthand. Unfortunately, these schemes happen in Illinois and across the country, which is why it’s important to understand how staged accidents work and how to protect yourself.

A staged car accident typically occurs when another driver intentionally causes a collision and attempts to make it appear as though you were at fault. One common scenario involves a driver suddenly slamming on their brakes, leaving you with little time to stop. In other cases, a driver may deliberately crash into you at an intersection and later claim you ran a red light, sometimes supported by false or coordinated witnesses.

Another staged accident scenario involves lane changes. A driver may signal or wave you over to merge, then intentionally accelerate or block your path, causing a collision. Afterward, they may deny ever signaling you to proceed. These situations are dangerous and can lead to serious injuries and financial loss. After any accident, you should always request the other driver’s license and insurance information.

Prevention starts with defensive driving. Keep a safe distance between your vehicle and others, avoid tailgating, and be cautious around drivers who appear aggressive or unpredictable. If a driver is acting erratically, create as much distance as possible. Being prepared also matters. If an accident occurs, take photos of the scene, vehicle positions, damage, and traffic signals when it is safe to do so. Some drivers may be targeted more frequently, including those driving high-value vehicles or older drivers.

Defending against a staged accident can be challenging, especially when the other party uses accomplices as witnesses or makes false injury claims. If you suspect an accident was staged, call the police immediately and request an official Springfield or Illinois crash report. Clearly explain what happened and state that you believe you were not at fault. Gather contact information from independent witnesses and note whether nearby businesses or intersections may have surveillance cameras that could have captured the crash. Taking these steps early can be critical in protecting your rights and challenging fraudulent claims.

Springfield Rear-End Accident Attorney

Rear-end collisions are among the most common types of car accidents in Illinois and often lead to serious injuries. When a vehicle is struck from behind, the sudden force can cause head, neck, and spine injuries, including whiplash. These injuries may not only be painful but can also interfere with daily activities, work, and overall quality of life. In more severe cases, rear-end crashes can result in long-term physical limitations or permanent injury.

The impact of a rear-end accident can be both physical and financial. Ongoing medical treatment, missed time from work, mounting medical bills, and vehicle repair costs can quickly become overwhelming. Noll Law Office represents individuals injured in rear-end accidents in Springfield, Illinois, and works to pursue compensation for medical expenses, lost income, pain and suffering, and property damage. If your injuries were caused by another driver’s negligence, Sarah Noll can help you understand your legal options and take steps toward holding the responsible party accountable.

Springfield T-Bone Accident Attorney

Side-impact collisions, commonly known as T-bone accidents, are among the most dangerous types of motor vehicle crashes. These accidents frequently occur at intersections and often result in severe injuries or fatalities. According to the National Highway Traffic Safety Administration (NHTSA), side-impact crashes are a leading cause of serious injury and death in passenger vehicles, second only to frontal collisions.

T-bone accidents are particularly dangerous because the side of a vehicle offers limited protection. Unlike the front or rear, there are fewer structural barriers between occupants and the point of impact. When a vehicle is struck on the side, the door can collapse inward at high speed, increasing the risk of head, chest, and internal injuries. The severity of these injuries often depends on factors such as the speed of the crash, the location of the impact, and the size and position of the occupants.

If you were injured in a T-bone accident in Springfield, Illinois, Noll Law Office can help you understand your legal options. Sarah Noll works directly with injured individuals to pursue compensation for medical bills, lost wages, pain and suffering, and other losses caused by serious side-impact collisions.

Springfield Crashes Involving Car Fires

Any time vehicles collide, there is a risk of fire. In many crashes, occupants are able to escape before a fire causes additional harm. In more serious situations, however, someone may become trapped and suffer severe burn injuries or lose their life. When a fire is involved, an accident scene becomes far more dangerous, introducing additional risks beyond the initial impact.

Liability in Fire Crashes:

When a vehicle catches fire after a crash, the resulting damage and injuries can be far more severe than in other types of accidents. Burn injuries are often life-altering and can require extensive medical treatment, long recovery periods, and ongoing care. Fires can also spread beyond the vehicles involved, causing property damage and injuries to bystanders or Good Samaritans who attempt to help. In many cases, injuries and losses directly caused by the fire may be considered part of the at-fault driver’s liability. If a fatality occurs, surviving family members may have the right to pursue a wrongful death claim under Illinois law.

Types of Crashes that Cause Fires:

According to data reported by federal agencies such as FEMA and the National Highway Traffic Safety Administration (NHTSA), thousands of vehicle fires occur on U.S. roadways each year following collisions, resulting in serious injuries and deaths. While almost any crash can lead to a fire, certain types of accidents carry a higher risk, including:

• Head-on collisions, where damage to engines and fuel systems increases the chance of ignition

• T-bone or side-impact crashes, which may affect fuel tanks or engine components

• Rollover accidents, where multiple areas of the vehicle can be compromised

• Rear-end collisions, which can damage fuel systems or engines depending on the point of impact

Vehicle fires often start in the engine compartment but can also result from leaking fuel, damaged batteries, or mechanical failures caused by the crash.

A Note on Design Defects:

In some cases, a vehicle fire may be linked to a design or manufacturing defect rather than the collision alone. When a defect contributes to a fire or makes injuries worse, the vehicle manufacturer may share responsibility. Large-scale recalls, including recent recalls involving fire risks in certain vehicles, highlight how design issues can play a role in post-crash fires.

If you or a loved one was injured in a car accident involving a vehicle fire in Springfield, Illinois, Noll Law Office can help you understand your legal options. Sarah Noll represents individuals and families facing serious injuries and wrongful death claims and works to pursue accountability and compensation for losses caused by negligent drivers or defective vehicles.

Types of Car Accident Injuries

• Head and Brain Injuries:
  Concussions, traumatic brain injuries (TBI), closed head injuries, skull fractures, chronic headaches
• Neck and Spine Injuries:
  Whiplash, herniated discs, bulging discs, spinal cord injuries, paralysis
• Back Injuries:
  Lower back injuries, soft tissue damage, muscle tears, nerve injuries
• Bone and Joint Injuries:
  Broken bones, fractures, dislocations, shoulder injuries, knee injuries, hip injuries
• Chest and Internal Injuries:
  Rib fractures, sternum injuries, internal bleeding, lung injuries, organ damage
• Soft Tissue Injuries:
  Muscle strains, ligament injuries, tendon damage, bruising
• Burn and Fire Injuries:
  Thermal burns, chemical burns, smoke inhalation injuries
• Facial and Dental Injuries:
  Facial fractures, eye injuries, dental damage, scarring
• Psychological Injuries:
  PTSD, anxiety, depression, emotional distress
• Catastrophic Injuries:
  Amputation, permanent disability, loss of mobility, loss of enjoyment of life

When You Break a Bone in a Car Accident

Broken and fractured bones are common injuries in car accidents and can occur in several ways. The force of a collision can cause blunt trauma or crushing injuries, especially when a person is pinned inside a vehicle. Because there are different types of fractures, some breaks are not immediately obvious and symptoms may take time to appear.

While a broken bone may not sound as serious as injuries involving the head or spine, fractures can still lead to significant complications and unexpected medical costs. Treatment may require emergency care, follow-up appointments, physical therapy, and time away from work. When another driver caused the accident, injured individuals are often faced with added stress related to insurance claims and financial uncertainty. Noll Law Office helps car accident victims in Springfield, Illinois handle these legal and insurance issues so they can focus on healing.

Most fractures heal properly once they are set and protected with a cast or splint. However, more severe breaks may require surgery using pins, plates, or screws to stabilize the bone. In some cases, even after surgery, the injured limb may be weaker or have lasting limitations. If your broken bone was caused by another driver’s negligence, Sarah Noll can help you understand your options and pursue compensation for your medical care, lost income, and long-term effects of the injury.

Types of Bone Fractures (Broken Bones)

Bones can break in many different ways during a car accident. A fracture may be partial or complete, run across or along the bone, or involve multiple breaks in the same area. The severity of a fracture often depends on the location of the injury and the amount of force involved in the crash. Although bones are strong, they can bend under pressure, and once that force exceeds their limit, the bone fractures.

A break may appear as a small crack or hairline fracture, a clean break, or a bone that shatters into several pieces. The following are common types of bone fractures seen in auto accident injuries:

• Open (Compound) Fracture: The bone breaks and protrudes through the skin. These fractures carry a high risk of infection and often require surgery.
• Closed (Simple) Fracture: The bone is broken but does not break through the skin.
• Stable Fracture: The bone breaks but remains aligned and in position.
• Transverse Fracture: A horizontal break that runs straight across the bone.
• Oblique Fracture: A fracture that runs at an angle across the bone.
• Comminuted Fracture: The bone breaks into three or more pieces. These fractures are often caused by high-impact collisions.
• Greenstick Fracture: A partial fracture where the bone bends and cracks without breaking completely, most common in children.
• Stress Fracture: A small crack or severe bruising within the bone. While often linked to repetitive motion, stress fractures may worsen after trauma.
• Pathological Fracture: A break caused by an underlying weakness in the bone, such as osteoporosis or disease, where normal stress results in a fracture.
• Impacted Fracture: One part of the bone is driven into another, often occurring during high-force impacts.
• Compression Fracture: The bone collapses or is crushed, commonly affecting the spine.

Some fractures heal with casting or splinting, while others require surgical treatment using plates, screws, or pins. Severe fractures can result in long-term pain, reduced mobility, or permanent impairment. When a fracture is caused by a car accident, understanding the type and severity of the break is an important part of determining medical needs and potential compensation

Common Causes of Bone Fractures in Car Accidents

Bone fractures can occur in many ways, but one of the most common causes is impact trauma from a car accident. While some fractures happen because of underlying conditions such as osteoporosis or weakened bones, the force of a collision can cause a bone to break suddenly or worsen an existing weakness. In some cases, trauma from a crash accelerates a fracture in a bone that was already stressed or compromised.

During a car accident, fractures often result from the body being violently moved inside the vehicle. Common ways bones are broken in Illinois car crashes include:

• Being thrown forward into the dashboard, steering wheel, or seat in front
• Being tossed side to side during a side-impact or T-bone collision
• Hitting the roof of the vehicle during a rollover accident
• Being violently shaken or bounced inside the vehicle during multiple impacts
• Force from front airbag deployment
• Force from side or curtain airbag deployment
• Seatbelt-related injuries that place extreme pressure on the chest, ribs, or shoulder
• Ejection from the vehicle during a high-speed crash

Bone fractures are generally categorized as either closed fractures or open (compound) fractures. Closed fractures occur when the bone breaks but does not pierce the skin and are the most common type. Open fractures occur when the broken bone breaks through the skin, creating an open wound. These injuries carry a higher risk of infection and often require immediate surgical treatment.

Even closed fractures can lead to serious complications beyond the initial break. One example is fat embolism syndrome (FES), which can occur when fat from bone marrow enters the bloodstream and causes additional medical issues affecting the lungs, brain, or other organs. These complications can make recovery more complex and extend well beyond the expected healing period.

As these examples show, the impact of a fractured bone after a car accident can go far beyond the injury itself. Medical treatment, recovery time, lost income, and long-term limitations can place a significant burden on injured individuals and their families. If your broken bone was caused by a car accident in Springfield, Illinois, Noll Law Office can help you pursue compensation for your injuries. Sarah Noll works with accident victims to address the legal and insurance challenges so they can focus on recovery.

Symptoms of a Fracture After an Accident

One of the most common signs of a broken bone after a car accident is significant pain. This pain is often accompanied by swelling, bruising, or tenderness around the injured area. In some cases, there may be an obvious deformity, limited ability to move the affected limb, or even bone visible through the skin, which is a clear sign of a serious fracture.

Not all fractures are immediately obvious. Pain and swelling alone may also indicate a severe sprain or deep bone bruise, making fractures difficult to identify without medical imaging. In many situations, an X-ray or other diagnostic test is the only way to confirm whether a bone has been broken.

A fracture can significantly affect your ability to work and carry out everyday activities. Simple tasks such as walking, lifting, or driving may become difficult or impossible during recovery. Along with medical expenses, many people face lost income and reduced independence following a fracture. Taking these symptoms seriously and seeking medical attention promptly can help protect both your health and your ability to recover fully.

Treatment/Recovery of Broken Bones After an Accident

The treatment required for a broken bone depends on how severe the fracture is and where it is located. In all fracture cases, a doctor will first work to stabilize the injury. This often includes immobilizing the affected area and limiting movement or weight-bearing to allow the bone to heal properly.

Casts or splints are commonly used to hold the bone in place, but these are usually applied only after swelling has gone down and the bone has been realigned. In less severe cases, this may be enough to allow the fracture to heal over time with proper care and follow-up.

Surgery

Some fractures are too severe to be treated with a cast or splint alone. In these situations, surgery may be necessary to reposition and secure the bone fragments. Surgeons may use pins, plates, screws, or rods to hold the bone in the correct position while it heals. In certain cases, an external fixation device is used to stabilize the bone, with some components placed under the skin and others remaining outside the body. In rare or complex cases, traction may be used to prevent movement and promote proper alignment during healing.

Recovery

Broken bones take time to heal. Recovery may last several weeks or even months, depending on the type of fracture and the individual’s overall health. Even after the bone has healed and casts or hardware are removed, it often takes additional time, physical therapy, and rehabilitation before full strength and mobility return. Stiffness, weakness, and limited movement are common during this stage of recovery.

Although broken bones are common injuries, they should not be taken lightly. In adults, fractures caused by car accidents can significantly affect daily life, work, and long-term mobility. Complications can arise, leading to additional medical treatment and expenses. If your broken bone was caused by another driver’s negligence in Springfield, Illinois, Noll Law Office can help you pursue compensation for medical costs, lost income, and the impact the injury has had on your life.

Head Injury Lawyer in Springfield

A serious head injury can change every part of a person’s life. Injuries to the head or brain may affect memory, communication, and the ability to interact with loved ones or perform everyday tasks. In severe cases, brain damage can lead to long-term cognitive impairment, personality changes, or the loss of independence. Recovery from a head injury is often painful, uncertain, and emotionally overwhelming for both the injured person and their family.

If you suffered a head or brain injury because of someone else’s negligence, you do not have to face the recovery process alone. Noll Law Office represents individuals in Springfield, Illinois who have experienced traumatic head injuries in car accidents and other incidents. Sarah Noll works to protect clients’ rights and pursue compensation for medical treatment, rehabilitation therapy, lost income, and the long-term care that head injury victims may require. She also helps ensure that injured individuals are not left bearing the financial burden of another party’s negligence.

At Noll Law Office, clients receive personal attention and direct involvement from their attorney throughout the case. Sarah Noll is committed to providing compassionate, focused legal representation during a challenging time, helping injured individuals and their families seek accountability and financial support as they move forward.

Types of Head Injuries

Head injuries can occur in many types of accidents throughout Springfield and central Illinois, including car accidents, motorcycle and bicycle crashes, pedestrian accidents, workplace and construction incidents, and slip-and-fall accidents. Because the brain controls every major function of the body, even a single injury can have lasting consequences. Below is a closer look at the two main categories of head injuries and how they can affect a person’s life.

Open Head Injuries

Open head injuries involve visible trauma to the head or skull. These injuries occur when the skull is fractured or penetrated, exposing brain tissue. Because the point of impact is often localized, open head injuries tend to affect a specific area of the brain. However, they are still extremely serious and often require emergency medical care.

Common examples include:

• Skull fractures
• Penetrating injuries from debris or objects
• Lacerations accompanied by brain exposure

Open head injuries may result in permanent neurological damage, infection, loss of motor function, or cognitive impairment. Recovery often involves surgery, extended hospitalization, and long-term rehabilitation.

Closed Head Injuries

Closed head injuries occur when the brain is damaged without an open wound to the skull. These injuries are frequently caused by the brain moving violently inside the skull during a collision or fall. Because there may be no visible signs of trauma, closed head injuries can be difficult to diagnose and are sometimes overlooked in the early stages.

Common examples include:

• Concussions
• Contusions or internal bruising
• Diffuse axonal injuries
• Brain swelling

 Closed head injuries can lead to long-term cognitive, emotional, and physical challenges that require ongoing medical care.

Head Injury Symptoms

Head injuries can cause a wide range of symptoms, some of which appear immediately and others that develop gradually over time. A strong blow to the head may lead to obvious warning signs right away, but in many cases, symptoms are delayed or initially masked by adrenaline. As swelling or internal injury worsens in the days or weeks after an accident, symptoms can intensify. Because head injuries can affect perception and awareness, victims may not always recognize how serious their condition is.

Medical authorities such as the Mayo Clinic identify the following as common symptoms associated with head and brain injuries. These symptoms can vary in severity and may appear alone or in combination:

• Loss of consciousness, ranging from a brief blackout to several hours
• Persistent or worsening headaches that do not improve with rest or medication
• Repeated nausea or vomiting, especially if it continues hours after the injury
• Seizures or convulsions, which may indicate serious brain trauma
• Weakness, numbness, or tingling in the fingers, toes, or limbs
• Loss of coordination or balance, making walking or standing difficult
• Unequal pupil size or dilation of one or both pupils
• Clear fluid draining from the nose or ears, which can signal a skull fracture
• Sensitivity to light or sound, often associated with concussions
• Memory problems or difficulty concentrating, including confusion or forgetfulness
• Mood or personality changes, such as irritability, anxiety, or depression
• Difficulty waking up or staying awake, which can indicate increased brain pressure
• Blurred or double vision
• Ringing in the ears

These symptoms are not always immediate and should never be ignored. Anyone experiencing physical, cognitive, or behavioral changes after a head injury should seek medical attention as soon as possible. Prompt diagnosis and treatment are critical, both for medical recovery and for documenting the injury if legal action becomes necessary.

Back Injuries

Back injuries are among the most common injuries suffered in car accidents in Springfield, Illinois, including conditions such as herniated or bulging discs. Many people underestimate how serious these injuries can be or how much the back plays a role in everyday movement and daily activities. When a back injury occurs, victims often experience physical pain along with emotional stress and financial strain. Treatment can be costly, and some back injuries may require long-term care or ongoing management.

If you suffered a back injury in a car accident caused by another driver’s negligence, you may be entitled to seek compensation for your medical expenses, lost income, pain and suffering, and other related losses. Noll Law Office, led by Sarah Noll, represents individuals in Springfield who are dealing with the lasting effects of accident-related back injuries and helps them navigate the legal process.

Understanding the Severity of Back Injuries

Back injuries can range from fractured vertebrae to damage involving the spinal cord or surrounding nerves. These injuries can significantly limit mobility, making it difficult to walk, bend, lift, or perform routine tasks. Because the spinal cord carries signals between the body and the brain, a back injury can also affect sensation and pain perception. Some individuals experience chronic pain, while others may have numbness or tingling in their arms or legs.

Symptoms of Back Injuries

Determining the full extent of a back injury often requires imaging and ongoing medical evaluation. Limited movement is commonly part of the treatment plan. Common symptoms associated with back injuries include:

• Persistent back pain and stiffness
• Difficulty getting comfortable while sitting, standing, or lying down
• Reduced range of motion or mobility
• Headaches or migraines
• Numbness, tingling, or weakness in the arms or legs

Because symptoms may worsen over time, it is important to seek medical care after any car accident, even if discomfort seems minor at first.

Financial Loss From an Accident-Related Back Injury

The financial impact of a serious back injury can extend far beyond initial medical treatment. Ongoing diagnostic testing, specialist visits, physical therapy, pain management, and possible home or vehicle modifications may be required. Some individuals also need long-term medication or assistive devices. Lost wages and reduced earning capacity can further increase the burden.

If your back injury was caused by someone else’s negligence, Noll Law Office can help you pursue compensation to address both your immediate expenses and long-term needs. Sarah Noll works directly with injured clients to help them seek financial recovery and move forward with greater security after a serious car accident.

Springfield Car Accident Neck Injury Lawyer

Modern vehicles are safer than ever, with advanced airbags, reinforced frames, and improved seatbelt systems designed to reduce serious injuries. Even with these safety features, neck injuries remain one of the most common injuries suffered in car accidents. During a collision, the sudden force can cause the head to snap forward and backward, placing extreme strain on the neck’s muscles, ligaments, and tendons. This motion often results in whiplash and other painful neck injuries.

Neck injuries from a car accident can range from short-term discomfort to long-lasting or permanent conditions that affect daily life. Some people recover within days or weeks, while others experience chronic pain, reduced mobility, or ongoing medical issues that interfere with work and normal activities.

If you suffered a neck injury in a car accident caused by another driver’s negligence, Noll Law Office can help. Sarah Noll represents injured individuals in Springfield, Illinois, and works to pursue compensation for medical treatment, lost income, pain and suffering, and other losses related to neck injuries. Having experienced legal guidance can help ease the burden while you focus on recovery.

Car Accident Neck Injury Symptoms

Neck injuries often involve strain or damage to the muscles, tendons, ligaments, or bones of the neck, which is why soreness or stiffness is one of the most common symptoms after a car accident. However, neck injuries can affect more than just the neck itself, and symptoms may extend to other parts of the body.

In addition to neck pain or stiffness, common symptoms of a neck injury may include:

• Headaches or migraines, often starting at the base of the skull
• Dizziness or a feeling of lightheadedness
• Tingling, numbness, or reduced sensation in the arms, hands, or fingers
• Limited range of motion or difficulty turning the head
• Shoulder or upper back pain
• Muscle spasms or tightness
• Pain that worsens with movement or over time

If you experience any of these symptoms after an accident, it is important to seek medical care right away. Some signs of a neck injury can indicate more serious problems involving the spine or nervous system. Prompt evaluation helps ensure that the neck, back, and spinal cord have not been injured and allows appropriate treatment to begin as early as possible.

Financial Compensation for Car Accident Neck Injuries

Neck injuries can have a far greater impact on daily life than many people initially realize. Reduced mobility, ongoing pain, and the need for supportive devices such as a neck brace can interfere with routine activities. In some cases, wearing a brace may limit your ability to drive, making it difficult or impossible to get to work or handle everyday responsibilities.

Lost wages are often only one part of the financial impact. A neck injury may also lead to mounting medical bills, physical therapy costs, prescription medications, and the need for home medical equipment or outside assistance. Pain, discomfort, and the emotional strain caused by ongoing symptoms are also important factors when evaluating the value of a claim.

Car Accident Whiplash Injuries

Any car accident can be frightening and may result in serious injuries or lasting damage. Many people assume that only high-speed crashes lead to significant injuries, but that is not the case. Whiplash is a serious and common injury that can occur even in low-speed collisions, often when the head and neck are suddenly forced back and forth.

If you suffered whiplash in a car accident caused by another driver, it is important to understand your rights and the steps needed to protect your claim. Noll Law Office represents individuals injured in car accidents in Springfield, Illinois, and works to help clients pursue fair compensation for whiplash injuries, medical treatment, lost wages, and ongoing pain.

Signs of Whiplash After a Car Accident Near Springfield

Whiplash does not always cause symptoms immediately after a car accident. In many cases, signs of injury appear hours or even days later as swelling and inflammation develop. When symptoms begin to surface, it is important to seek medical care as soon as possible. Untreated whiplash can worsen over time, and delaying treatment may also make it harder to document the injury if you later pursue compensation.

Common signs and symptoms of whiplash include:

• Neck soreness or stiffness
• Difficulty holding your head upright without support
• Limited ability to turn your head from side to side
• Headaches or migraines often start at the base of the skull
• Dizziness or lightheadedness
• Muscle pain or spasms in the neck, shoulders, or arms
• Reduced range of motion in the neck
• Pain that worsens with movement or daily activity

If you experience any of these symptoms after a car accident, a medical evaluation is critical. A proper diagnosis helps ensure you receive appropriate treatment and creates an accurate medical record of your injury.

Costs of Illinois Whiplash Injuries

In many cases, whiplash will improve with time, but recovery can be slow and painful. While some people heal fully, others experience lingering symptoms that affect their comfort, mobility, and ability to work. In more serious cases, whiplash can lead to chronic pain or long-term complications that require ongoing care.

Treatment for whiplash often involves a combination of medical and therapeutic options, such as:

• Prescription or over-the-counter pain medication
• Supportive devices, like a cervical collar or neck brace
• Physical therapy to restore strength and range of motion
• Ultrasound therapy
• Massage or other rehabilitative treatments

Insurance may cover part of these costs, but many people still face out-of-pocket expenses, including copays, deductibles, and treatment limits. These medical costs can add up quickly. In addition, whiplash injuries often require time away from work, resulting in lost wages or reduced earning capacity. Everyday activities such as driving, household chores, and childcare may also become difficult or impossible during recovery.

When whiplash symptoms persist, the financial impact can extend far beyond initial treatment. Long-term care, follow-up appointments, and unforeseen complications can create additional expenses over time.

Types of Whiplash Damages Recoverable in Illinois

Whiplash injuries can affect far more than just your physical health. When whiplash is caused by another driver’s negligence, Illinois law allows injured individuals to seek compensation for a wide range of losses. The value of a claim depends on the severity of the injury, the length of recovery, and how the injury impacts daily life and work.

Common types of damages that may be recoverable for whiplash injuries include:

Medical expenses
Compensation may cover medical costs related to diagnosing and treating whiplash, such as emergency care, doctor visits, imaging tests, physical therapy, pain management, prescription medications, and any necessary future treatment. Ongoing care and anticipated future medical expenses may also be included when symptoms persist.

Pain and suffering
Whiplash can cause ongoing pain, stiffness, headaches, and reduced mobility that interfere with daily activities. Pain and suffering damages account for the physical discomfort and emotional distress caused by the injury, both now and in the future, that are not reflected in medical bills alone.

Lost wages and reduced earning capacity
Time missed from work due to medical appointments, recovery, or physical limitations may be compensated through lost wage damages. If a whiplash injury prevents you from returning to your prior job or limits your ability to earn income in the future, reduced earning capacity may also be considered.

Loss of normal life and daily activities
When whiplash interferes with your ability to drive, exercise, care for family members, or enjoy activities you once did, compensation may be available for the impact the injury has had on your quality of life.

Out-of-pocket expenses
Additional costs related to your injury, such as transportation to medical appointments or the need for assistive devices, may also be included in a claim.

An experienced whiplash attorney can help identify the full scope of damages available in your case and ensure they are properly documented. Noll Law Office, led by Sarah Noll, works closely with injured clients in Springfield, Illinois, to build strong claims that reflect the true impact of whiplash injuries, allowing clients to focus on recovery while their legal matters are handled with care.

Illinois Auto Accident Statistics

Motor vehicle accidents remain a serious safety concern across Illinois, affecting drivers, passengers, pedestrians, and cyclists every day. According to the Illinois Department of Transportation (IDOT), hundreds of thousands of traffic crashes are reported statewide each year, resulting in thousands of injuries and fatalities despite advances in vehicle safety and roadway design.

Based on IDOT’s Crash Facts & Statistics reports:

• In 2019, Illinois recorded over 312,000 total traffic crashes statewide.
• That same year, 1,010 people were killed in motor vehicle accidents across Illinois.
• More than 89,000 people were injured in traffic crashes, many requiring medical treatment or hospitalization.

These figures show that traffic crashes are not isolated events. On average, Illinois roadways experience hundreds of crashes every day, with multiple fatalities and injuries occurring daily.

IDOT data also highlights the scale of roadway use across the state, with millions of licensed drivers and registered vehicles traveling Illinois roads each year. This volume of traffic contributes to congestion-related crashes, intersection collisions, and highway accidents throughout urban, suburban, and rural areas.

Common contributing factors identified in IDOT crash reports include:

• Distracted driving
• Speeding
• Failure to yield
• Impaired driving
• Intersection-related crashes

Seasonal conditions such as snow, ice, and heavy rain further increase the risk of accidents, particularly during winter months.

These statistics reinforce an important reality: car accidents are common and often serious, even for cautious drivers. Understanding the scope of traffic crashes in Illinois helps highlight the importance of safe driving and knowing your legal rights if you are injured due to another driver’s negligence.

Springfield Traffic Accident Numbers

Traffic accidents occur regularly in Springfield, Illinois, and are tracked through the statewide crash reporting system maintained by the Illinois Department of Transportation (IDOT). IDOT publishes city-level crash statistics each year, including totals for reported crashes, injury crashes, and fatal crashes within Springfield city limits.

According to IDOT’s City Crash Statistics and annual Crash Facts reports, Springfield experiences thousands of reportable traffic crashes each year. These crashes range from minor property-damage incidents to serious collisions resulting in severe injuries or loss of life.

IDOT data shows that:

• Hundreds of injury crashes occur in Springfield annually
• Fatal motor vehicle crashes are reported in the city each year
• Many crashes take place on local roads, intersections, and high-traffic corridors

City-level crash data reflects collisions involving passenger vehicles, motorcycles, pedestrians, and bicyclists. Common contributing factors identified in IDOT crash reporting include distracted driving, failure to yield, speeding, and intersection-related crashes.

Because Springfield serves as a regional hub for government, healthcare, and commerce, traffic volumes remain high throughout the city. This increases the likelihood of daily collisions, even during routine trips. IDOT’s reporting confirms that traffic crashes are not isolated incidents, but an ongoing public safety concern for Springfield residents and visitors alike.

DUI-Related Accidents in Illinois

Driving under the influence of alcohol remains a major cause of serious and fatal traffic crashes across Illinois. Statewide crash data shows that impaired driving continues to pose a significant risk to drivers, passengers, pedestrians, and everyone sharing the road.

Recent Illinois traffic safety reporting indicates that approximately 21 percent of all fatal motor vehicle crashes in Illinois involve alcohol. In other words, more than one out of every five deadly crashes statewide is linked to alcohol impairment. This highlights how frequently DUI plays a role in the most severe traffic accidents.

These DUI-related crashes often result in:

• Fatal injuries
• Traumatic and life-altering physical harm
• Long-term medical treatment and rehabilitation

Impaired driving crashes occur on highways, city streets, and local roads, including in and around Springfield, Illinois. Alcohol involvement is not limited to late-night hours or rural areas. Many serious DUI crashes happen during routine travel and in urban settings.

For additional context, national traffic safety data shows that alcohol-impaired driving contributes to roughly 32 percent of all traffic fatalities in the United States. Illinois reflects this broader trend, with DUI remaining one of the leading preventable causes of traffic deaths and catastrophic injuries.

Understanding these Illinois DUI accident statistics underscores the importance of responsible driving and the serious consequences that impaired driving can have on individuals and families throughout the state.

DUI-Related Accidents in Springfield

Alcohol-impaired driving is a significant factor in serious traffic crashes in Springfield. While statewide reports show that impaired driving contributes to a large share of fatal crashes, local crash data for Springfield also reflects that alcohol involvement plays a role in many of the city’s injury and fatal collisions.

According to city-level crash reporting maintained by the Illinois Department of Transportation (IDOT), a noticeable percentage of Springfield’s injury and fatal crashes involve alcohol impairment. This means that drivers under the influence of alcohol are frequently involved in local collisions that result in serious injuries, property damage, and loss of life.

In many years of IDOT city crash reporting, Springfield’s data has shown patterns consistent with statewide trends:

• DUI or alcohol involvement appears in a significant share of injury-causing crashes reported within city limits
• A meaningful portion of fatal crashes in Springfield involve drivers impaired by alcohol
• Impaired driving crashes occur on city streets, major corridors, and intersections throughout the community

These local trends reflect the broader reality that impaired driving is not limited to rural highways or late-night hours. DUI-related collisions can and do happen during everyday travel, making them a persistent risk to public safety in Springfield.

Understanding Springfield’s DUI crash patterns highlights how critical it is for drivers to avoid impaired operation of a vehicle and for victims of such crashes to recognize the impact these collisions can have on individuals and families.

Distracted Driving Accidents Across Illinois and Springfield

Distracted driving continues to be a serious cause of traffic crashes across Illinois, including on roads and intersections throughout Springfield. State safety reporting shows that driver inattention and distraction play a recurring role in collisions that result in injuries and loss of life.

Recent Illinois traffic data indicates that tens of thousands of crashes statewide involve driver distraction or inattention each year. These crashes lead to thousands of injuries annually and, in the most severe cases, fatalities. In 2023 alone, 58 people were killed in crashes involving at least one distracted driver across Illinois. This underscores how dangerous even brief lapses in attention can be.

In Springfield, local crash reporting reflects the same pattern. Driver distraction is repeatedly identified as a contributing factor in injury and fatal crashes on city streets, major corridors, and at intersections. These incidents are not limited to high speeds or highway driving. Many occur during everyday travel when a driver’s focus is diverted by a phone, in-vehicle controls, eating, or other distractions.

Distracted driving is especially dangerous because it reduces reaction time, situational awareness, and vehicle control. Understanding the scope of distracted driving accidents in Illinois and Springfield highlights how common—and preventable—these crashes truly are.

Accidents Related to Location and Weather in Illinois

Traffic crashes in Illinois aren’t random. Where a crash happens and the conditions at the time matter. Data from the Illinois Department of Transportation shows that both roadway location and weather play a major role in how often crashes occur and how serious they become.

In 2023, Illinois recorded 299,133 traffic crashes. More than 87,500 caused injuries, and 1,240 were fatal. These numbers show that serious crashes happen every day across the state.

Location makes a difference. While most crashes occur on busy urban roads, nearly one-third of fatal crashes happen on rural roadways. Higher speeds, limited lighting, narrow shoulders, and longer emergency response times can make rural crashes far more severe. In cities, congestion and intersections drive up the total number of collisions.

Weather conditions add real risk. Many crashes happen on wet, snowy, or icy roads, especially during rainstorms and winter weather. Reduced traction, poor visibility, and longer stopping distances make it harder for drivers to react in time.

Sudden severe weather can turn dangerous fast. Heavy rain, snow, ice, or blowing dust can trigger multi-vehicle crashes and pileups, particularly on highways.

Together, these factors show why crash investigations often focus on road conditions, weather, and location, not just driver behavior. These details can have a major impact on how a crash happens and how serious the injuries are.

Illinois Accidents According to Time of Day

In 2023, Illinois recorded thousands of traffic crashes, and nearly half of all fatal crashes occurred outside of daylight conditions. According to the Illinois Department of Transportation’s Crash Facts & Statistics, 44.7 percent of fatal traffic collisions statewide occurred in daylight, meaning that more than half took place during dusk, dawn, or nighttime hours.

Although crashes during daylight are numerically higher overall, crashes that occur in darkness or reduced lighting conditions tend to be more severe, with a disproportionate share of fatalities occurring outside of daylight.

Alcohol involvement remains a serious factor in Illinois crashes as well. Statewide crash reporting shows that approximately 22.3 percent of fatal collisions involved alcohol in 2023, underscoring the elevated risk of deadly crashes during nighttime and impaired driving conditions.

Increased risk during non-daylight hours and alcohol involvement illustrate why time of day and lighting conditions are important factors in understanding Illinois traffic accident patterns. These patterns can influence how crashes occur and how severe the resulting injuries may be.

Drive Safely in Illinois

Weather conditions and vehicle defects can contribute to crashes, but traffic safety research consistently shows that driver error plays a role in the vast majority of motor vehicle accidents. Whether it involves distraction, speeding, impaired driving, or failure to follow traffic laws, one driver’s mistake can put everyone nearby at risk. Even when you drive cautiously, the actions of a careless motorist ahead of you, beside you, or behind you can make a collision unavoidable.

If you are injured because of another driver’s negligence, the consequences can extend far beyond the crash itself. Medical treatment, time away from work, and a lengthy recovery can place serious strain on your finances and daily life. In these situations, it is important to understand your rights and your options. Relying solely on an insurance company to look out for your best interests may leave you without the compensation you need now or in the future.

Illinois crash statistics make one thing clear: careless driving remains a common problem on the state’s roads. While no one can control how others drive, knowing how to protect yourself after an accident can make a meaningful difference in your recovery and ability to move forward.

Red Light Accidents

Motor vehicle accidents remain one of the leading causes of serious injury and death across the United States, and many of these crashes are preventable. One major contributor to intersection collisions is drivers running red lights. When a driver ignores a traffic signal, the result is often a high-impact crash that leaves little time for others to react.

National traffic safety research shows that hundreds of people are killed and tens of thousands are injured each year in crashes caused by red-light running. Many of the victims are not the drivers who caused the crash, but pedestrians, cyclists, passengers, and occupants of other vehicles who were lawfully using the intersection.

Public awareness of the danger is high. Surveys from traffic safety organizations indicate that most drivers view red-light running as a serious safety threat, yet a significant number admit to running red lights themselves within a short time period. This disconnect between awareness and behavior helps explain why red-light crashes continue to occur so frequently.

Common causes of red-light accidents include:

• Distracted driving, such as texting or using a phone
• Speeding to try to beat a changing light
• Aggressive or impatient driving
• Impaired driving

Although it is impossible to eliminate the risk entirely, drivers, cyclists, and pedestrians can reduce danger by using extra caution at intersections. Looking both ways before entering an intersection – even after the light turns green – can help avoid collisions with red-light runners.

What Does “Running a Red Light” Mean?

Traffic laws define red-light violations based on how a signal is regulated. Under a permissive yellow rule, a driver may legally enter the intersection during the yellow light, and a violation occurs only if the vehicle enters after the light has turned red.

Under a restrictive yellow rule, a driver must not enter the intersection once the signal changes from yellow to red. A violation occurs if the vehicle fails to clear the intersection after the red light begins. Drivers who are already in the intersection waiting to complete a turn are generally not considered red-light runners under the law.

If you were injured in a red-light accident in Illinois, determining who entered the intersection unlawfully is critical to establishing fault. An experienced car accident attorney can review traffic signal timing, crash reports, witness statements, and available video footage to help identify liability and protect your legal rights after a serious intersection crash.

Self-Driving Car Accidents

As self-driving and semi-autonomous vehicles become more common, car accidents involving this technology raise new and complex legal questions. When a crash involves a vehicle operating in an autonomous or driver-assist mode, determining who was negligent is not always straightforward. Traditional auto accident law is based on fault, meaning an injured person typically seeks compensation from the driver who breached a duty of care. With self-driving technology, however, responsibility may extend beyond the person behind the wheel.

In some accidents, the issue may involve a failure of the vehicle’s hardware or software rather than a driver’s actions. For example, there have been highly publicized incidents in which vehicles operating with advanced driver-assist systems failed to detect hazards or respond appropriately. In situations like these, liability may involve multiple parties, including the vehicle manufacturer, the developer of the autonomous software, or other companies involved in designing or maintaining the technology.

As autonomous vehicles continue to evolve, car accident claims in Illinois may increasingly involve questions of product liability in addition to traditional negligence. Instead of a claim solely against another driver, an injured person may need to explore whether a defect in the vehicle’s systems, sensors, or software contributed to the crash. These cases can require detailed investigation, technical analysis, and coordination with trusted to determine how and why the technology failed.

The legal landscape surrounding self-driving car accidents is still developing, and these cases can be more costly and complex than typical car accident claims. As vehicle automation advances, understanding how liability is assigned and how insurance coverage applies will become even more important. Working with an experienced car accident attorney can help ensure that all potential sources of responsibility are properly investigated and that injured individuals understand their rights when a crash involves autonomous vehicle technology.

Rollover Car Accidents

Rollover crashes are among the most severe types of motor vehicle accidents and often result in catastrophic injuries or death. While rollovers make up a smaller share of overall crashes, they account for a disproportionately high number of fatalities. National traffic safety data shows that nearly 30 percent of all passenger vehicle occupant deaths involve rollover crashes, underscoring how dangerous these accidents can be.

Certain vehicles are more vulnerable to rollovers than others. SUVs and pickup trucks face the highest rollover fatality rates, largely due to their higher center of gravity. In fact, rollover crashes account for over 40 percent of passenger fatalities in SUVs, compared to significantly lower percentages for passenger cars. Sharp turns, roadway departures, tire failures, and sudden evasive maneuvers can all trigger a rollover, especially at higher speeds.

Because rollover accidents often involve roof crush, ejection, or multiple impacts, victims commonly suffer serious injuries that require extensive medical care and long-term recovery. Even when insurance coverage is available, policy limits may fall short of covering the full financial and personal toll of these crashes.

Why Teen Drivers Are at Higher Risk for Accidents

Teen drivers are disproportionately involved in serious and fatal crashes in Illinois. According to Illinois Department of Transportation data, 89 drivers ages 16–19 were killed in motor vehicle crashes in 2023, and 760 teens suffered serious (A-level) injuries in collisions statewide. Teens are over-represented in crash statistics relative to their share of licensed drivers, reflecting the higher risks they face on the road.

Several factors contribute to this increased risk. Inexperience behind the wheel makes it harder for young drivers to recognize hazards, judge speed and distance, and react quickly to sudden changes in traffic conditions. Teens are also more likely to drive under risky conditions, such as at night or with peer passengers, and are statistically less likely to buckle up consistently.

Behavioral tendencies play a role as well. Teen drivers are more prone to distraction from phones, conversations, music, or passengers, and developmentally, they may underestimate risks and overestimate their driving skills. These tendencies, combined with biological factors like ongoing brain development that affects impulse control and decision-making, help explain why teen drivers remain one of the most vulnerable groups on Illinois roads. 

How to Protect Your Teen Driver

Getting a driver’s license is an important milestone for teenagers, but it also comes with added risks. Parents can help protect their teen drivers and others on the road by taking proactive steps, including:

• Set driving limits on where and when your teen can drive, especially during nighttime hours.
• Restrict passengers, since additional teens in the vehicle increase distraction and crash risk.
• Talk often about the dangers of distracted and impaired driving, including phone use and alcohol.
• Stress seat belt use on every trip, no matter how short the drive.
• Lead by example by avoiding texting, phone calls, or other distractions while driving.
• Enroll your teen in a defensive driving course to build skills and confidence behind the wheel.
• Use available technology to monitor driving behavior, limit speed, reduce distractions, or restrict phone use while the vehicle is moving.
• Prepare your teen for accidents by explaining what to do after a crash, including calling the police and seeking medical attention.

If your teen is injured as a driver or passenger, or if you are hurt in a crash involving a teen driver, you may have legal options. Speaking with an experienced attorney can help you understand and protect your rights.

Policy and Coverage Questions

How Does Illinois Handle Fault After a Car Accident?

Illinois does not use a limited-tort or full-tort insurance election system. Instead, Illinois follows a fault-based tort system, which allows injured drivers to pursue compensation directly from the party responsible for the accident. Understanding the types of tort claims available can help clarify how accident cases are handled in Illinois.

Negligence
Most car accident claims in Illinois are based on negligence. A driver is negligent when they fail to use reasonable care and that failure causes an accident. Common examples include distracted driving, speeding, following too closely, or running a red light. An injured person may seek compensation for medical bills, lost income, pain and suffering, and other damages.

Comparative Fault
Illinois follows a modified comparative negligence rule. This means you may recover compensation as long as you are less than 51 percent at fault for the accident. Your recovery is reduced by your percentage of fault. For example, if you are found 20 percent responsible, your compensation is reduced by 20 percent.

Recklessness or Willful and Wanton Conduct
Some cases go beyond ordinary negligence. Reckless behavior, such as excessive speeding or aggressive driving, may support enhanced damages and can strengthen an injured person’s claim.

Product Liability
If a crash or injury is caused or worsened by a defective vehicle or component, such as faulty brakes, airbags, or autonomous systems, a product liability claim may be available against the manufacturer or supplier.

Wrongful Death
When an auto accident results in death, Illinois law allows certain family members to pursue a wrongful death claim for losses such as financial support, companionship, and funeral expenses.

Illinois law gives accident victims broad rights to seek compensation without artificial injury thresholds. Knowing which tort theories apply to your case can be critical to protecting your recovery after a serious crash.

Do you have uninsured or underinsured motorist coverage with or without stacking?

Understanding your auto insurance coverage is critical in Illinois, especially when the at-fault driver does not carry enough insurance – or any at all.

Uninsured:

Uninsured Motorist coverage protects you and your family if you are injured by a driver who has no insurance or if the at-fault driver leaves the scene in a hit-and-run. UM coverage is generally affordable and is strongly recommended. Waiving this coverage means choosing not to protect yourself or your family, even though you are required to carry insurance to protect others. If you make a UM claim for an accident that was not your fault, your insurer cannot raise your rates or refuse to renew your policy simply because you used this coverage.

Uninsured but Not At-Fault:

If you do not have auto insurance but another driver caused the accident, you may still be able to recover compensation from the at-fault driver’s insurance for medical bills, vehicle damage, and other losses. However, you will be responsible for navigating the claims process on your own or with the help of an attorney. Driving without insurance can also result in separate legal consequences in Illinois, including fines, license suspension, and other penalties.

Underinsured:

Underinsured Motorist coverage applies when the at-fault driver has insurance, but their policy limits are too low to fully compensate you for your injuries. For example, if the other driver carries only the Illinois minimum liability limits and your damages exceed that amount, UIM coverage can help bridge the gap, up to your policy limits. Using UIM coverage for an accident that was not your fault should not increase your insurance rates. Carrying underinsured coverage helps protect you from being left with inadequate compensation due to another driver’s minimal insurance choices.

Stacking:

In Illinois, stacking may be available depending on the language in your policy. Stacking allows you to combine the UM or UIM limits for multiple vehicles insured under the same policy, increasing the total coverage available after a serious accident. Some policies include anti-stacking provisions, while others allow stacking. Reviewing your policy carefully can help determine whether stacking applies and whether you are fully protecting yourself and your family.

Uninsured and underinsured motorist coverage is designed to protect you when other drivers fail to carry adequate insurance. Making informed choices about these coverages can make a significant difference if you are injured in an Illinois car accident.

Do you have income loss protection?

Illinois does not provide automatic income loss benefits through auto insurance. Instead, lost wages are usually recovered through a claim against the at-fault driver or through optional coverage you already carry.

If another driver caused the accident, you may seek compensation for missed income, time away from work, and reduced earning capacity as part of a personal injury claim. However, recovery often depends on proving fault and may take time if the case is disputed.

Some drivers have optional protections that can help, such as employer-provided disability insurance or private disability coverage, but standard auto policies in Illinois do not replace lost wages. Without these options, you may need to wait until a settlement or trial to recover income lost during your recovery.

Planning ahead and understanding your coverage can help protect your financial stability if an accident prevents you from working.

Are there multiple policies of insurance under which you may get coverage?

Yes. In many Illinois car accident cases, more than one insurance policy may apply depending on the circumstances of the crash and the parties involved. Identifying every available policy can significantly affect the amount of compensation available.

When a driver is operating a company or work-related vehicle, coverage may extend beyond a personal auto policy to include a commercial auto policy. In some situations, an employer may also carry umbrella or excess liability coverage, which provides additional protection once standard policy limits are reached.

Multiple policies may apply when:

• The driver and vehicle owner are different parties
• A personal auto policy and a commercial policy both apply
• An umbrella policy provides excess coverage
• A rideshare, delivery, or fleet vehicle is involved
• Uninsured or underinsured motorist coverage applies under your own policy

An umbrella policy acts as an extra layer of liability coverage that supplements auto insurance limits. These policies can substantially increase the funds available in serious injury cases.

Insurance coverage can overlap, and policy language can be complex. A thorough review of all potential policies helps ensure that no available source of coverage is overlooked.

Could there be workers’ compensation coverage?

Yes. In some Illinois car accident cases, workers’ compensation coverage may apply in addition to auto insurance. Workers’ compensation generally covers employees who are injured while performing job-related duties and provides medical benefits and partial wage replacement.

Many people do not realize that a car accident can fall under workers’ compensation if it occurs while an employee is working, traveling for work, or completing a job-related task. Accidents that happen during business travel, employer-directed errands, or required trips between job locations may qualify for coverage.

While Illinois typically does not cover injuries sustained during a normal commute to and from work, there are important exceptions. Workers’ compensation may apply when:

• Driving is a regular part of the job
• The employee has no fixed work location
• The employer requires travel between sites
• Mileage is paid or reimbursed as part of employment
• The employee is performing a work-related errand during the commute

Examples include delivery drivers, sales representatives, home health workers, and others whose jobs involve frequent travel. In these situations, an accident on the road may be considered work-related even if it occurs outside a traditional workplace.

Workers’ compensation claims can exist alongside third-party injury claims, meaning additional insurance coverage may be available. Determining whether workers’ compensation applies often requires a careful review of job duties and accident circumstances. Understanding all available options can help ensure full compensation after a work-related car accident.

Contact Our Car Accident Lawyers in Springfield, Illinois Today

If you have questions about a car accident or need guidance on your legal options, Noll Law Office is here to help. Our team is committed to representing injured individuals throughout Springfield and across Central Illinois, providing clear answers and straightforward legal support when it matters most.

Contact us by phone, text, or email to schedule a free consultation. We’ll take the time to review your situation, explain your options under Illinois law, and help you understand the next steps in your case.