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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.

Car Accidents: Two Opportunities for Personal Injury at Every Impact

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Your Chicago and Cicero Car Accident Lawyers at Grazian and Volpe (now Lloyd Miller Law) know that there are always at least two opportunities for personal injury at every impact. Conventional accident wisdom states that there are two collisions in every auto accident. The first occurs when the vehicle impacts with another vehicle or object. The second impact occurs when the passengers impact with the interior of the vehicle; or in the horrendous situation where the passenger is ejected, the second impact occurs outside the auto. The purpose of a seat belt or car seat in the case of a child is to minimize or prevent personal injuries caused by the “second” or passenger collision. Passengers and drivers must be sure to properly employ seat belts and car seats and be watchful for any obvious defects in seat belt or car seat design or function. This is not possible as the design or operational defects are not easily detectable or apparent until the stress of impact. Personal injuries from car seat or seat belt malfunction are serious and often involve spinal cord, brain and head trauma as well as broken bones, concussions and fatalities.

The South Chicago Car Accident Lawyers at Lloyd Miller Law always advocate the importance of seat belt and car seat use to all its clients.  As experienced Chicago Injury Lawyers we have litigated many cases where seat belts and car seats have not been used or have malfunctioned. Serious personal injuries can often be mitigated or avoided with proper use and maintenance. Especially during the slippery and hazardous winter driving season, we ask that you always employ these simple safety tools properly and according to the advice of the manufacturers. If any defects and/or malfunctions become apparent-do not use the devices and do not drive your auto until proper repair has been made. Watch us on YouTube, FaceBook and WCIU, You and Me in the Morning (the first Tuesday of every month) to learn how you can help prevent car accidents, personal and work related injuries and; if you can’t stay safe stay with Grazian and Volpe (now Lloyd Miller Law)!

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