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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.

Important Steps to Follow after an Auto Accident

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Millions of auto accidents occur each year, and many of them result in injuries and property damage. Following a few simple steps after an auto accident can mitigate potential problems down the road.

Avoid Leaving the Scene

Though it might initially appear that there are no injuries, the initial shock of an accident can mask symptoms that could start appearing within a few minutes after the event. If there is an injury to anyone, you can be criminally liable for leaving the scene. An exception arises if the accident occurred in a remote area and the other driver appears suspicious. If this occurs, call the police if you have a cell phone, and do not exit your vehicle.

Check On All Drivers and Parties

Be sure that everyone involved is free of injury. If there are injuries, however, immediately call for emergency assistance. Do not move anyone unless it is a life-threatening situation such as a burning vehicle or leaking gasoline.

Exchange Info with Other Parties Involved

Exchange identifying and insurance information with all involved drivers unless a person is injured. (Any information needed from that person will be obtained by police in a subsequent police report.)

Do not talk or discuss the accident facts with anyone except the police. Carefully give the investigating officer your estimates of time, distances, speeds and observations. Obtain the badge number of the officer, who might also give you a card with the police investigation number to use when getting a copy of the report.

Conduct Your Own Investigation

It’s helpful to take photos of all vehicles involved and of the accident scene. Many cell phones today have built-in cameras that allow users to take on-the-fly photographs. If there are witnesses, talk to them and get their names and telephone numbers.

Contact Your Insurance Company

Call your insurance agent and report the facts of the accident. If you are unsure of your injuries, advise your agent that you will be seeking a medical evaluation. Do not give any written or recorded statements to anyone, especially the other party’s insurer, until you consult with a motor vehicle accident attorney.

Get Medical Attention

Obtain prompt medical attention and keep a diary of your visits, treatment, symptoms and the effect your injuries are having on your life.

Contact an Attorney

An attorney can advise you of your rights under the law and make sure all to pursue compensation available under the law.

Illinois resident should seek the help of an experienced Chicago motor vehicle accident attorney.

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