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The word "SETTLEMENT" printed on a torn piece of paper placed over several U.S. hundred-dollar bills. Low Settlement Offers
Once you receive a lowball settlement offer, politely reject it, remain calm, ask for a written explanation, and document everything. Low settlement offers are a common tactic insurance companies use to reduce the actual claim value after a Chicago car accident. The insurer exploits your vulnerability and limited legal knowledge to trick you into accepting a payout that does not cover the full scope of your damages or losses. 
A woman sitting on the roadside, holding her head in distress after a car accident. Why Insurance Companies Delay Car Accident Claims
Insurance companies delay car accident claims even when fault is clear to earn interest from the funds set aside for a payout, bring the claim near the statute of limitations, and push the claimant to accept a lowball settlement offer or quit pursuing the claim altogether. Delays in a Chicago car accident claim can lower your settlement value by weakening evidence and allowing insurers to dispute liability or damages. Crucial steps you can take to protect your rights when an insurance company delays your accident claim include recording every interaction, carefully examining your insurance policy, and seeking legal support.
a man in a wheelchair with a neck brace and an arm sling, indicating he has sustained injuries. Uber & Lyft Laws
Under Chicago Uber & Lyft laws, who pays after an accident depends on the status of the driver’s app. If the app is on, the rideshare company’s liability policy pays. If the app is off, the driver’s personal insurance covers damages and losses arising from the accident. If another driver was liable, that driver’s insurer will be responsible for covering the arising costs and losses.
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