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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.

Illinois Woman Hits Man Changing Tire, Admits to Texting While Driving

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Recently, a 23-year-old woman driving on Highway 53 in Illinois crashed into the back of a pickup truck parked on the left shoulder, crushing a man between the median and his truck. The woman admitted she was scrolling through the contact list on her cell phone when she veered into the right lane, struck a car, and then ran off the road to the left hitting the truck, where the man was changing a tire. The woman was cited with texting while driving, improper lane change, and driving on the shoulder of the road.

Illinois is one of 34 states in the U.S. that has a law prohibiting the use of “an electronic communication device to compose, send or read an electronic message” while driving. The law, which went into effect January 1, 2010, imposes a fine of at least $75.

Under Illinois law, the term “electronic message” includes text messages, instant messages, and “a command or request to access an Internet site.”

Exceptions to the law include law enforcement officers performing official duties; a driver who is reporting an emergency situation and continuing communication with emergency personnel; a driver using an electronic communication device in “hands-free or voice-activated mode;” commercial vehicle drivers reading messages on permanently installed commercial vehicle devices; a driver parked on the shoulder of the road; and a driver whose car is in neutral or park and is stopped in traffic due to the traffic being obstructed.

Unlike most states, Illinois law makes texting while operating a motor vehicle a moving violation, making it a primary offense. This means police can stop and cite a driver upon observing the offense. In states where the offense is secondary, the police must observe the driver committing some other primary offense in order to conduct a stop, making enforcement of the law difficult.

In the wake of continuous studies that prove distracted driving causes accidents, some South Chicago motor vehicle accident attorneys are hopeful more and more states will ban the use of mobile devices while driving and help decrease the number of motor vehicle accidents and fatalities every year.

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