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An insurance claim is a request for benefits or compensation for damages that result from a motor vehicle accident. The claim is typically made with the insurance company representing the driver who is at fault.  Both drivers will need to report the accident to their insurance companies, however, in accordance to the requirements of their individual policies. Many car insurance claims are made each day around the nation, and the process has become relatively standardized. That doesn’t mean the insurance company won’t push back if they believe they shouldn’t recognize their liability, but the process will be similar to most other accidents of the same type.
Chicago car accident attorneys are likely going to attempt to reach a settlement with the insurance company before going to court. The majority of car accident lawsuits are settled out of court. However, if the insurance company refuses to offer a reasonable settlement, or if they have decided to argue fault for the accident, you could find yourself going to court.  
Insurance companies try to minimize accident claims as a basic business practice. Reputable insurance companies do need to ensure that they are following the laws, however. There are several common reasons why an insurance company will deny a claim in good faith.
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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Senior woman driving and looking out of the window of her vehicle

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 Law Group, Ltd.

Chicago accident lawyer Kurt D. Lloyd