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Man holding head in despair after car collision. if the at-fault driver's insurance doesn't cover your injuries
Your options if the at-fault driver’s insurance does not cover your injuries in Chicago, IL, include relying on your uninsured/underinsured motorist (UM/UIM) policy, suing the driver directly, or covering your medical bills with your health insurance. An attorney can examine your case, discuss available options for compensation, and compile strong evidence to prove the full scope of your damages. Working with an attorney protects you from spending your money to pay for expenses arising from another party’s negligence, even when insurance coverage is limited.
An insurance claim form surrounded by financial documents, a calculator, a pen, and eyeglasses. Ask for More After an Insurance Settlement Offer
You can ask for more after an insurance settlement offer in Chicago, IL, because the first offer marks the beginning of the negotiation process. The initial offer is often low, and insurance companies hope that you will accept it so that they can close the claim quickly at a minimal cost. You have the right to counter a lowball offer by asking for a higher amount. Accepting a settlement too quickly bars you from pursuing additional compensation in the future. That means you will have to cover any additional costs arising from your injury out of pocket. The best practice is to talk to a lawyer before accepting a settlement, especially if you receive the offer immediately after the accident/incident.
If you were injured in a trucking accident in Chicago, Berwyn, Oak Lawn, Cicero, or a nearby community, call the injury attorneys at Lloyd Miller Law for a free consultation.

When To Hire a Car Accident Injury Lawyer

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An experienced personal injury lawyer is an asset when someone suffers injuries due to a car accident. When another driver causes an accident that results in injuries to passengers and damage to vehicles, accident victims often look for a car accident lawyer to recover costs.

High Costs of Personal Injuries from Car Accidents

An injury suffered during a car accident can cost much more than auto insurance policies cover. Illinois law only requires a minimum of $25,000 in bodily injury coverage per person, with a maximum of $50,000 in bodily injury coverage per accident.

The average costs to treat injuries easily can exceed those amounts, especially when more than one person suffers injuries. A car accident injury lawyer can help to hold liable parties accountable and make insurers pay the proper amounts to cover injuries and other costs.

When to Hire an Auto Accident Attorney

Because of the potentially high costs of auto accident injuries and damages, victims should hire a car accident lawyer when:

  • Injuries are suffered in an accident.
  • Fault is uncertain.
  • The police report is inaccurate.
  • Costs from an accident exceed insurance coverage.
  • Insurers or attorneys are contacting the victim.

A personal injury lawyer who is experienced in handling car accident claims can help to build a strong case and hold at-fault drivers accountable. The attorney can stop insurers and opposing attorneys from contacting accident victims.

Many attorneys and insurers for at-fault drivers will try to contact accident victims right away. They do so in an attempt to get accident victims to say things that harm their claims and legal cases. If an accident victim is polite and says he or she is feeling relative well, that could be used against that person to reduce settlement amounts.

How an Attorney Helps Car Accident Victims

When an accident victim retains an attorney, all communications regarding that case must flow through the attorney and the respective law firm. Even debt collectors must cease any communications with the victims. However, that accident victim must make payments on medical bills and other costs until the case is completed and a settlement is agreed upon or a court issues a ruling.

The retained attorney can prevent those unwanted and sometimes harassing calls while building a case against the at-fault party. A car accident lawyer can help prove victims were not at fault in a car accident claim. Accident victims’ rights are upheld, and due process is assured to help obtain the best possible legal outcome.

About the Author

Kurt D. Lloyd is a plaintiff’s trial lawyer who focuses on medical malpractice and other catastrophic injury cases. He lives in Chicago and represents injured clients throughout Illinois. He is also the founder of Lloyd Miller Law, Ltd.

Years of Experience: Over 35 years
Illinois Registration Status: Active
Bar Admissions: Illinois State Bar

Kurt D. Lloyd is a plaintiff’s trial lawyer who focuses on medical malpractice and other catastrophic injury cases. He lives in Chicago and represents injured clients throughout Illinois. He is also the founder of Lloyd Miller Law, Ltd.

Years of Experience: Approx. 20 years
Minnesota Registration Status: Active
Bar & Court Admissions: Illinois State Bar Association U.S. District Court, Northern District of Illinois

Kurt D. Lloyd is a plaintiff’s trial lawyer who focuses on medical malpractice and other catastrophic injury cases. He lives in Chicago and represents injured clients throughout Illinois. He is also the founder of Lloyd Miller Law, Ltd.

Years of Experience: Over 35 years
Illinois Registration Status: Active
Bar Admissions: Illinois State Bar
About the Author

Kurt D. Lloyd is a plaintiff’s trial lawyer who focuses on medical malpractice and other catastrophic injury cases. He lives in Chicago and represents injured clients throughout Illinois. He is also the founder of Lloyd Miller Law, Ltd.

Years of Experience: Over 35 years
Illinois Registration Status: Active
Bar Admissions: Illinois State Bar