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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.

Illinois Graduated Driver Licensing (GDL) Laws

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Motor vehicle accidents are the leading cause of death for teen drivers in America and have become a serious public safety and health issue. In 2007, many states-including Illinois-enacted a number of stringent laws affecting teen drivers. Prior to these laws, teens in Illinois accounted for about 6 percent of the state’s licensed drivers but represented a significant number of the state’s traffic fatalities. However, after more than three years, Illinois reports that their new and strict teen driving laws have reduced the Illinois teen motor vehicle accident death rate and are in fact saving young lives.

The new Illinois teen driving laws, in essence, established a graduated driver licensing (GDL) program in order to make younger drivers more responsible. The program sets out strict requirements for new teen drivers including:

  • Increasing the of time that a teen was required to have a learner’s permit
  • Imposing more supervised street driving and passenger restrictions
  • Setting stricter curfews

Illinois’ GDL program requires new drivers to complete three driving stages. A learner’s permit, the first stage a driver must complete, must be held for nine months. The driver must also complete 50 hours of supervised practice driving-including 10 hours at night-during the learner’s permit period. The law also mandates passenger restrictions and mobile communication prohibitions.

States all across the country have enacted GDL laws, and, according to the Insurance Institute for Highway Safety (IIHS), dramatically reduce teen-related traffic crashes. Every state, accept North Dakota have implemented the three driving stages.

For the Prairie State, teen driving deaths dropped 50 percent since this teen driver safety law took effect in January 2008. According to Illinois State Police (ISP), 146 teens died in traffic crashes in 2007, but teen driving deaths dropped to 73 in both 2009 and 2010. Federal and Illinois traffic safety organizations attribute the reduction in human loss to the state’s GDL law.

As a compliment to the GDL legislation, Illinois has implemented other safe driver initiatives geared at teens. Programs, including the states’ Operation Teen Safe Driving, have focused on curtailing risky behaviors, including texting, cell phone use, and drunk driving, which distract or impair younger drivers. The state also grants awards to schools that have successful Teen Safe Driving Programs.

In 2009, eight teens (ages 16 to 19) lost their lives every day from motor vehicle injuries. Per mile driven, this same group is four-times more likely than older drivers to crash. For young people in Illinois, their state’s three-year-old law has contributed greatly to making the roadways safer for them and for those with whom they share the road.

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