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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.

In a Car Accident? Call Your Personal Injury Attorney First!

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If you are in a car accident, speak with your personal injury attorney before you speak with the insurance adjuster. Insurance adjusters work for the insurance company and he or she will try to save their company money by minimizing the compensation you receive for your injuries and damages. Insurance adjusters will attempt to obtain personal information from you that may harm your opportunity to receive full compensation.

Your accident attorney represents you. It is his or her job to assure your rights are protected and that you receive maximum compensation for your damages and injuries. Your personal injury attorney will cover all the expenses of filing your claim and help you with your creditors while your auto accident claim is pending. You will pay nothing until your auto claim settles.

Remember the following rules when involved in a car accident:

  • Save all evidence of your car accident. Do not lose or destroy reports or medical records. Take photos of the accident scene and the damage to your auto and any personal items that were also damaged in the accident. Have someone take photo of your injuries.
  • Seek medical attention without delay. Delaying medical attention can hurt your chances for full recovery and will certainly harm your efforts to obtain full compensation for your injuries and damages.
  • Keep a journal of your injuries and complications. Detailed daily accounts of the pain, treatment, and disabilities suffered as a consequence of your injuries will help maximize your compensation
  • Contact your accident attorney to protect your rights and assure that a timely auto accident claim is filed to avoid the statute of limitations running out which will disallow your car accident claim.

Remember, your personal injury attorney has a duty to serve you and advocate to obtain full compensation for your injury and damages. He/She is the first person you need to contact after you seek treatment for your injuries. If the insurance adjuster calls and attempts to obtain information; just tell him you have an attorney who is handling your car accident claim and give him your accident attorney’s contact information. Then you can spend your time healing and obtaining treatment for your injuries!

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