Average Settlement For Non-Injury Car Accident

The average settlement for a non-injury car accident in Edwardsville, Illinois, typically ranges from $3,000 to $15,000, depending on factors like property damage, insurance coverage, and fault. At Walton Telken, we help clients navigate these cases and understand how settlements are determined. Whether you’re trying to estimate compensation or want to learn more about the process in Illinois, keep reading for insights.

Factors That Affect The Amount Of Car Accident Settlements

The settlement amount for non-injury car accidents can vary significantly, even when injuries are absent. Calculations extend beyond simple damage estimates, and Illinois legislation plays a role, too. Here are some key factors that influence settlement amounts:

Liability

Liability is a critical component in determining settlement amounts. According to the Illinois Compiled Statutes 625 ILCS 5/7-601, Illinois law mandates that all drivers carry liability insurance to cover damages in case of an accident. Negotiations or legal action will be more significant if the fault is disputed.

Property Damage

The extent of property damage is the most visible factor. Vehicle repairs can range from minor dents to significant overhauls. Car valuations and repair estimates will directly influence the final settlement figures.

Insurance Coverage

The minimum insurance coverage, as outlined in Illinois law, sets the stage for available payouts. However, coverage limits may differ depending on policy specifics. Cases involving underinsured drivers may present different challenges.

Circumstantial Evidence

The presence of clear evidence, surveillance footage, eyewitnesses, or police reports can significantly strengthen your claims during negotiations or lawsuits. Lack of evidence could result in lower settlements.

State Regulations

Unique state laws and procedures in Illinois may affect the required actions post-accident and ultimately impact settlement payouts.

Understanding these factors can help you better anticipate your settlement outcome when negotiating with an insurance adjuster or pursuing legal compensation. 

How Car Accident Settlements Are Calculated

Settlement calculations depend on various elements, especially when injuries aren’t involved. Here’s a breakdown of how these settlements are typically determined:

Property Damage Estimates

The first step involves assessing the cost of repair or replacement for the damaged vehicle. This is based on official repair shop quotes or market value assessments of the car during the incident.

Loss of Use

If your car is undriveable after the accident, you may be entitled to compensation for alternative transportation costs, such as rental cars or public transportation fees.

Pain and Suffering

While pain and suffering claims are generally associated with personal injuries, some non-injury claims may involve emotional distress or inconvenience caused by the car accident. These are assessed on a case-specific basis.

Insurance Policy Limits

Insurance coverage can act as the ceiling for settlements in many cases. Your compensation could be limited if the at-fault driver carries only minimum liability insurance.

Legal Fees (If Applicable)

Legal fees, if they exist, may also be deducted from the total settlement amount. Every case is distinct. A consultation with a car accident attorney can help you calculate more precise figures tailored to your situation. 

What To Do After a Non-Injury Car Accident in Illinois

If you’re involved in a minor car accident in Illinois, follow the steps to safeguard your legal rights and build your case for compensation. Here’s what you should do:

1. Check for Safety 

First, ensure everyone at the scene is safe. According to Illinois law, all drivers involved in accidents must stop immediately and provide necessary assistance. If it’s safe, move the vehicles to the side of the road. 

2. Exchange Necessary Information 

Exchange contact details, insurance information, and license plate numbers with other parties involved. Take detailed notes, photographs of the scene, damage to all involved cars, and any relevant road conditions or traffic signs.

3. File a Police Report 

For accidents causing over $1,500 in damages, Illinois law mandates filing a police report within 10 days. Be sure to report the incident to local law enforcement immediately, as their records may prove instrumental to your claim.

4. Notify Your Insurance Provider 

Promptly notify your insurance carrier to ensure coverage isn’t jeopardized. Provide them with all necessary documentation and stick with the facts.

5. Consult Legal Guidance (Optional but Recommended) 

While many non-injury cases are resolved relatively quickly, consulting an attorney to ensure all necessary steps are taken can be beneficial. Legal assistance can also help verify your settlement reflects fair compensation for damages incurred. 

Call Walton Telken Bragee For Legal Support

If you’re navigating a non-injury car accident settlement in Edwardsville, Illinois, and need professional help, Walton Telken is here. Our car accident lawyers are dedicated to securing fair settlements with minimal stress. Call 844-307-7349 for a consultation today, and we’ll guide you step by step toward resolving your case. 

“Walton Telken Bragee’s Managing Partner Attorney Troy E. Walton has over 25 years of experience handling personal injury, nursing home, medical malpractice, premises liability, construction, and workers’ compensation cases.”

Troy E. Walton

Trial Lawyer & Managing Partner