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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 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