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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.

Motor Vehicle Accidents and the Black Box

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On October 3, we advised motorcyclers and cyclists to buy a Garmin or similar GPS technology for use during their rides. When victims of motor vehicle accidents, cyclists are often at a disadvantage in proving liability because of the types of injuries they commonly sustain. A GPS can help to reconstruct the true pathology of the accidents and help the victims establish liability (myaccidentlaw.com/blog Cyclers-Get a Garmin!).

We were pleased to discover that the National Highway Traffic Safety Administration has mandated that all automobile manufacturers must equip their new vehicles with event data recorders (EDRs) commonly known as the “black box” by the year 2013. Similar to the black box in aviation, an EDR provides a comprehensive picture of events leading up to a crash. An EDR records a variety of events surrounding an automobile accident such as vehicle speed before the crash, deceleration and acceleration rates, vehicle trajectory before, during and after the crash; and, elapse of time between impact and airbag deployment. This information can ofter by invaluable in determining equipment failure, liability and determining physics of injuries.

As of 2008, the NHTSA reports that 90% of vehicles manufactured today are equipped with EDRs. However, the data collected is not available to all parties and only GM. Ford and Chrylser have implemented technology for the downloading and interpretation of data collected. All other manufacturers have refused to do and consumers can only access the data through litigation.

While it seems only natural that the owner of the car should be the owner of the EDR data, auto manufacturers have buried boiler plate language in sale and lease agreemens in which the purchaser waive their privacy rights to the data in the event of a lawuit against the manufacturer. In addition, EDR data can be easily overwritten by new data if the car is still drivable.

Grazian and Volpe (now Lloyd Miller Law) has advocated for over 25 years for the victims of motor vehicle accidents, bicycle accidents, pedestrian accidents, motorcycle accidents and truck accidents. Most tragic are those where serious injuries such as brain and spinal injuries occur or wrongful death. In these cases, liability may be difficult to establish due to memory loss or unconsciousness suffered by the victims. The EDR “black box” technology can be an invaluable tool and obtaining just and maximum compensation for victims and their families. We hope that the NHTSA continues in its efforts to standardize issues relating to ownership of access to this data as well as enforcing the compliance of all auto manufacturers.

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