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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.

‘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