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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.

‘Silver’ drivers need a vehicle safety rating, says NHTSA

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Many Chicago area families with teenage drivers in the household are familiar with the New Car Assessment Program. The National Highway Traffic Safety Administration runs the five-star safety ratings program to provide vehicle safety performance ratings to consumers. While most Chicago families are very concerned about the safety of vehicles driven by teenagers, NHTSA thinks we should also be concerned about the cars that older family members are driving.

Older drivers and vehicle occupants are generally less able than younger people to withstand the force of a car accident. In fact, federal statistics show that older drivers face the highest rate of death in serious car accidents. As a result of this information, and the fact that America’s largest generation is reaching retirement age, NHTSA has proposed a new safety rating that would specifically assess vehicle safety as it pertains to older drivers.

NHTSA is currently calling it the “silver rating” and it would be designed to help older drivers select cars that they may be safer in. Inflatable seat belts as well as technology that helps avoid pedal misapplications – such as accidentally hitting the gas instead of the brake while parking – are two safety features that the agency believes are particularly beneficial for older drivers.

According to the AARP, by 2025 one-fifth of U.S. drivers will be at least 65, and of course it is important that cars are designed to keep occupants as safe as possible. However, AAA has suggested that NHTSA may be missing the mark, because most Americans do not want to be reminded that they are getting older – even if it is by a program meant to benefit them.

In addition to the silver rating, NHTSA is considering a family rating that would assess how well vehicles protect backseat passengers. Both of the new ratings would take several years to be implemented.

It is important that drivers and passengers, of any age, are as safe as possible on the roads here in Illinois. In the event that accidents and injuries do occur, victims may benefit from seeking legal counsel to learn about their rights.

Source: Washington Post, “NHTSA Proposes Older Driver, Family Vehicle Safety Ratings,” Suzanne Kane, April 9, 2013

Our personal injury law firm helps car accident victims in Chicago and the surrounding areas seek compensation for their injuries.

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