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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.

The Anatomy of a Crash Investigation

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An accident investigation involves many tasks to help determine what caused a car accident. By uncovering what actually took place, an investigation could ultimately help prevent similar accidents from taking place in the future. However, to determine the true cause of an accident, the process entails a variety of steps and can be challenging to complete, requiring experts to conduct thorough investigations.

The Requirements of a Crash Investigation

Crash investigators need to develop a process with three main goals in mind, including:

  • Determining the root cause of the accident
  • Finding facts as opposed to faults
  • Implementing changes to prevent future accidents of a similar nature

Additionally, crash investigation experts must establish a policy ensuring that all car accidents and even close calls will undergo an equally thorough investigation. They also must audit investigations to make sure they’re completed sufficiently and on time.

The Steps for a Crash Investigation

In a crash investigation, the process will involve several key steps. The steps are:

Background Investigation

This part of the process entails reviewing the records of individuals whose actions contributed to the crash. In addition, investigators will review reports of injuries or damage to property that occurred because of the accident.

This step also involves gathering witness lists, along with information about the conditions of the area, including maps.

Site Investigation

After the background investigation, investigators will conduct a site investigation. This starts by arriving at the scene of the accident as soon as possible after the accident takes place. Investigators will also restrict the accident scene to authorized individuals.

Investigators then gauge how other factors may have altered the scene following the accident, including weather or traffic. They may also draw certain elements of the scene to keep track of where certain property or equipment is in relation to the accident, or where actions that contributed to the accident may have taken place.

Investigators also take photographs of the scene, including any damaged areas and property. 

Interviews

Following the site investigation, it’s time to interview witnesses and others involved in the accident, either directly or indirectly. All interviews are conducted in private settings to minimize distractions, and their goal is to determine the who, what, when, why, where, and how of the accident.

Following all of these steps, investigators will analyze and report their findings, which may help prevent future accidents. 

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