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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.

The Myth of Multitasking While Driving

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Drivers who multitask take notice: your brain cannot effectively do two things at once. Recent studies by scientists have shown that our brains are unable to do two demanding tasks, such as driving and talking, as well simultaneously as it can do each individually. If you attempt to multitask while driving, you’re needlessly putting yourself and others in danger.

Scientists say that when you try to do two tasks at the same time, your brain is not actually performing both tasks simultaneously. What really is happening is that your brain shifts its resources between each task without you being conscious of it. In essence, since your brain cannot devote all of its processing power to both tasks at the same time, you cannot perform each task to the best of your abilities.

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Effects of Multitasking While Driving

Your natural inability to effectively concentrate on more than one task at a time is not problematic if you are doing two tasks that are not dangerous or do not require much concentration, such as talking to your spouse while doing dishes. However, it is much different when talking while doing a complicated task such as driving.

Studies have demonstrated that drivers talking on a cell phone can only recall half of the objects that they have passed on the road. The reason for this is that the brain does not process all information that is available As the brain struggles to switch between tasks, these moments of unawareness, can make the difference between life and death. Since a car traveling 55 miles per hour covers 80 feet per second, an accident can easily occur during these moments.

Experts also say that it is a myth that a hands-free phone is safer than a handheld one. A conversation, whether on a handheld or hands-free device, has the same distracting effect on the brain’s ability to concentrate on the road.

The dangers of using a cell phone while driving are well documented. Drivers using cell phones, ironically, react more slowly than a person with a .08 blood-alcohol concentration, the level at which a person is considered too intoxicated to operate a motor vehicle.

Officials say that it is unfortunate that the laws have not caught up to address this reality, but predict that they most likely will as the public becomes more aware of the danger.

Source: Daily Herald

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