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If you get into a car accident and the other driver doesn’t have insurance, you have two options. You can pursue a claim against the other driver if it was his or her fault, or you can file a claim under your own car insurance policy. In either case, it's important to file a police report, report the accident to your insurance, and follow the usual steps after an accident. If you need help with a claim involving an uninsured driver, reach out to Lloyd Miller Law Group at (773) 838-8100.
After an accident with an uninsured driver, knowing how to file an uninsured motorist claim can help you protect your rights. Even though Illinois mandates automobile insurance, many drivers don't have sufficient coverage. In an accident involving an uninsured driver, you might need to seek benefits from your own insurance provider. To do so, you will need to have a good grasp of the law, your insurance policy, and the steps to take when handling a situation involving an uninsured driver.
If you get in a car accident that results in serious injury, you might wonder who pays for medical bills after a car accident. You are responsible for ensuring the bills are paid when you seek medical treatment. However, financial recovery is a combination of your funds, your health insurance, your auto insurance, the at-fault driver's insurance, and the at-fault driver themselves. This is particularly true if you hire an Illinois car accident attorney to assist with your claim.
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