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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.

Motor Vehicle Accidents and the Distracted Driver

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For over 25 years, the attorneys at Grazian and Volpe (now Lloyd Miller Law) have represented the victims of motor vehicle accidents in Illinois, Chicago and South Chicago. It has been distressing to observe the increase in avoidable accidents caused by drivers distracted by the use of a hand-held device, i.e. the cell phone or a smart device- eating and putting on make-up also qualifies.

These crashes often cause serious personal injury and death. The National Highway Administration defines a distracted driver as the driver of a vehicle who engages in an activity that has the potential to take his or her attention away from the primary task of driving. It is estimated that over 35% percent of all personal injuries sustained in a car crash or motor vehicle accident were the result of distracted driving.

There are three main categories of distraction:

  • Visual: Taking your eyes off the road
  • Manual-taking your hands off the wheel;
  • Cognitive-taking your mind off the focus of driving ( i.e., arguing with your spouse on the cell phone)

The more distraction types involved, the greater becomes the likelihood of a crash. For example, a driver using a hand-held device is normally looking at, manipulating and concentrating on the device and increasing his risk of serious injury in a crash by 400%(according to the Insurance Institute for Highway Safety).

For more information on this subject please visit our blog or Grazian and Volpe (now Lloyd Miller Law) on FaceBook. Please feel free to submit questions to John Grazian at WCIU, You and Me in the Mornings or just call Grazian and Volpe (now Lloyd Miller Law) for a free consultation on your personal injury, accident or workplace injury questions.

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