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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.

Teens and Motor Vehicle Accidents: Another Take on the New Law

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Teen involved in accident with police on the background

On September 29th, we discussed the proposed changes in the driving laws which would not permit teens to be licensed until they turned 18.  We see the new laws as a positive step in preventing serious personal injury due to motor vehicle accidents involving teen drivers.

Teen involved in accident with police on the background

However, a nationwide new study conducted by the California Department of Motor Vehicles shows that tougher licensing laws for teenage drivers have reduced deadly accidents among 16-year-olds, but with the unintended consequence of increasing the fatal car crash rate among 18 year-year-olds.

The study published in the Journal of the American Medical Association found that since the first graduated driver programs were instituted, there have been 1,348 fewer deadly crashes involving 16-year-old drivers. At the same time, there have been 1,086 more fatal crashes that involved 18-year-olds. The net difference is still an improvement but not quite the improvement hoped.

Researchers conducting the study suspect tht the reason for the increase in deadly car crashes among 18-year-olds is that many teenagers are waiting to obtain their license to avoid the extra restrictions for 16- and 17- year old drivers. As a result, a greater proportion of inexperienced drivers hit the road at 18. California has documented an actual decrease in 16- and 17- year old drivers since institution of its tougher driving laws for teenagers.

New Jersey has implemented the toughest program which mandates that all first time drivers under the age of 21 adhere to graduated driver restrictions. New Jersey’s approach has been associated with significant reductions in the crash rates of 17- and 18- year olds and virtually eliminates crashes among 16-year olds without adversely affecting the crash rates for 19-year old drivers. However, New Jersey has noted a 10% increase in deadly car crashes in the 20- to 24- year age group suggesting that younger drivers may be waiting out the tougher restrictions.

Other researchers have found that the reason the rate of crashes among teenagers is high-accounting for 10 times as many crashes as middle-aged drivers is that they are not reckless, but that they make simple mistakes like failing to scan the road, misjudging driving conditions and becoming distracted. Lack of sleep can also be a major factor in teenage crashes according to a study in the Journal of Clinical Sleep Medicine which found that teenagers who started school earlier in the morning had higher crash rates.

The accident and personal injury lawyers at Grazian and Volpe (now Lloyd Miller Law) have advocated on behalf of the victims of motor vehicle accidents for over 25 years. Our experience in Chicago, South Chicago and Illinois has boded positive for stricter driving laws for teenagers. However, we always caution our clients that parental involvement in training teen-age drivers is crucial in assuring the development of safe driving habits. Remember, it is always better to prevent an accident, but if you can’t stay safe, stay with Grazian and Volpe (now Lloyd Miller Law).

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