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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.

Motor Vehicle Accidents and the Distracted Driver

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For over 25 years, the attorneys at Grazian and Volpe (now Lloyd Miller Law) have represented the victims of motor vehicle accidents in Illinois, Chicago and South Chicago. It has been distressing to observe the increase in avoidable accidents caused by drivers distracted by the use of a hand-held device, i.e. the cell phone or a smart device- eating and putting on make-up also qualifies.

These crashes often cause serious personal injury and death. The National Highway Administration defines a distracted driver as the driver of a vehicle who engages in an activity that has the potential to take his or her attention away from the primary task of driving. It is estimated that over 35% percent of all personal injuries sustained in a car crash or motor vehicle accident were the result of distracted driving.

There are three main categories of distraction:

  • Visual: Taking your eyes off the road
  • Manual-taking your hands off the wheel;
  • Cognitive-taking your mind off the focus of driving ( i.e., arguing with your spouse on the cell phone)

The more distraction types involved, the greater becomes the likelihood of a crash. For example, a driver using a hand-held device is normally looking at, manipulating and concentrating on the device and increasing his risk of serious injury in a crash by 400%(according to the Insurance Institute for Highway Safety).

For more information on this subject please visit our blog or Grazian and Volpe (now Lloyd Miller Law) on FaceBook. Please feel free to submit questions to John Grazian at WCIU, You and Me in the Mornings or just call Grazian and Volpe (now Lloyd Miller Law) for a free consultation on your personal injury, accident or workplace injury questions.

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