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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.

Bus Accidents: Beware the Low-Cost Carrier

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The National Transportation Safety Board (NTSB)  has found that so-called curbside bus companies, which pick up riders on sidewalks rather than in terminals, are involved in bus accidents involving fatalities at seven times the rate of traditional carriers like Greyhound. On September 8, 2011 Grazian and Volpe (now Lloyd Miller Law) wrote of a recent NTSB study finding that bus accidents involving fatalities were greater than expected and appeared to be under reported (myaccidentlaw.com/blog 9/8/2010). As the initial report involved all bustypes,this latest study is more disturbing because it focuses on only”curbside” buses. The curbside carriers first gained popularity in urban areas, such as Chicago, by offering frequent rides betwen major cities for as little as $1 a seat. Popularand catering primarily to students and budget-conscious travelers, these carriers have racked up an alarmingly high number of fatal accidents and safety violations over the last few years. While the report found that low-cost bus companies were a safe mode of travel and that accidents happened infrequently, the bus accidents that do occur, were far more likely than traditional carriers to result in serious injury or wrongful death.

The report suggests that the reasons for the increased rate of serious injury and wrongful death is related to the disproportionate (by industry data) larger number of violations issued to these companies relating to driver fatigue and training errors. In addition, the industry has exploded due to the depressed economy. Regulators indicate that it is more difficult to inspect low cost buses because they do not park in traditional terminals and officials must locate and inspect these buses on crowded street corners. Since they are barred from inspecting buses in the middle of a scheduled trip, it is difficult to conduct the surprise inspections necessary to determine the true operating procedure of any motor carrier. Apparently, many drivers and owners of low-cost bus companies do not speak English, and their records are often kept in other languages. Officials are concerned that this language barrier may mean that some owners and drivers do not fully understand the federal regulations and how to comply.

We reported in our previous article (myaccidentlaw.com/blog) that the Transportation Department, which has oversight of the motor coach industry, had nearly doubled its safety inspection on buses in the past five years and recently issued rules banning bus drivers from talking on cellphones or sending text messages while driving. However, this increase in enforcement and regulation is not applying to the low-cost bus carriers.

Grazian and Volpe (now Lloyd Miller Law) has advocated for the rights of victims of bus crashes in Chicago and South Chicago for over 25 years. We have noted an increase in clients who are involved in bus crashes involving low cost carriers. Fortunately, we have not seen a wrongful death but have noted that the injuries sustained are serious injuries often involving brain injury and/or spinal injury. We hope this report will act as a wake-up call to Congress and the National Transportation Safety Board and more inspections and pro-active regulations are promulgated to protect the lives of those using these low-cost providers. Please follow Grazian and Volpe (now Lloyd Miller Law) on website or on WCIU, You and Me in the Morning the first Tuesday of every month where we take questions and inform out viewers on how to stay safe and if they have been involved in an accident-how to make sure they obtain the best compensation possible.

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