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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.

Cyclists: One Way Not to Get Hit

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Grazian and Volpe (now Lloyd Miller Law) have litigated thousands of car and bike accidents over the last 30 years. Some are unavoidable but we are constantly reminded how many accidents are totally preventable.

A growing area of our practice involves cyclists. Chicago strives to be a bicycle friendly city and we applaud the efforts. Cycling is healthy and good for the environment. However, the city has a long way to go before it is “bicycle friendly.” Drivers and cyclists are the main culprits in any bicycle/car accident. Most times it is the result of ignorance of proper protocol.

Bicycle accidents are often serious and sometimes fatal; not to the driver but always to the cyclist. Cyclists can scream and swear at bad drivers but cars are huge metal shells traveling at high speeds. Impact with a bicycle is of little consequence (physically) to the driver or passenger in a car. Our largest settlements are always for the cyclist because cyclists are unprotected and their injuries can be horrific. Many a cyclist have been grateful for a large settlement but all wish their accident never happened.

A proper fitting helmet, back and front lights and adherence to bicycle law is a given. After the basics a cyclist must be aware of the most vulnerable cycling situations.

The most common accident we have seen in the last year is what I refer to as the “Right Hook”. This involves a car passing you on your left and then making a right turn directly in front of you or right into you. Drivers think they can pass a slower bicycle and underestimate the speed at which a cyclist is traveling. This is a hard collision to avoid because the cyclist does not see the driver until it is too late. There is no escape maneuver available in this situation. There are three rules for avoiding the right hook:

  • Don’t ride on the sidewalk! You are invisible to a driver when you are on the sidewalk and enter the street to cross.
  • As you approach the intersection, take the middle position in the lane. If the street is narrow-definitely take the whole lane. Move to the right as you cross the intersection.
  • Add a mirror to your bike or helmet. Every cyclist knows that looking over your left shoulder causes the bike to serve dangerously to the left. A mirror allows you to see cars on your left without this risk.
  • Never pass a slow moving car on the right. Move to the left and make visual contact with the driver.
  • Watch for passengers that may be exiting on the right. A slowing car may indicate a driver who is about to unload a passenger.

ALWAYS RIDE AS IF YOU ARE INVISIBLE!

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