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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 Are the #1 Safety Issue for Kids, But 4 out of 5 Caregivers Fail to do This

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Recent data has shown that caregivers often make several key mistakes when installing car seats for children, although car accidents pose the biggest safety risk to children. Specifically, the National Digital Car Seat Check Form (NDCF) database details the mistakes that caregivers are making.

Caregivers Make Three Primary Mistakes

According to the NDCF, caregivers make three common mistakes when installing children’s car seats. The first mistake is loose installation, which prevents the seat from remaining securely in place in the event of a car accident. The second most common mistake is failure to use the connected tether with seat belts or lower anchors for car seats that face forward. The third frequent mistake is failing to tighten the harness straps when securing the seat into place.

Rushing Transitions Between Car Seats

The NDCF also found that caregivers often rush to change from forward-facing car seats to booster seats. Over 25% of children make the transition too early on, and over 90% of children under 10 who use conventional seats still require booster seats.

Older Children Need Seat Inspections

Another NDCF finding was that caregivers are less inclined to have car seats inspected when the children switch to forward-facing seats and booster seats. The study specifically concluded that safety technicians inspect nearly four times the number of rear-facing car seats compared to forward-facing ones. Additionally, technicians found that 73% of forward-facing seats are improperly installed.

When It Isn’t the Caregiver’s Fault

Although parents and other caregivers may make mistakes that contribute to unsafe children’s car seat installation and use, sometimes it’s the vehicle or car seat design that’s at fault. For example, the Maxi-Cosi Pria 85 Convertible Child Car Seat was recently recalled because of a design that put children at risk of head injuries. In addition, a variety of newer vehicles were recalled because of loose seat belts that weren’t tight enough to secure car seats.

Caregivers can still take certain steps to make sure children are safe in vehicles. Online courses are available for caregivers that detail the four stages of passenger safety for children, including all types of car seats. Taking these precautions could help minimize the risk of auto accidents involving unsecured children’s car seats, including rear-facing, forward-facing, and booster seats.

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