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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.

Texting Is Dangerous, Risky Distraction for Teen Drivers

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The 2011 annual federal survey about risky teenage behaviors showed several areas of significant improvement in dangerous driving practices, but texting or e-mailing while driving is a huge exception.

Earlier this month, the Centers for Disease Control and Prevention, known as the CDC, released the findings from the 2011 National Youth Risk Behavior Survey, or YRBS. While the survey targets many areas of high risk behavior, car accidents are an important focus because they are the most common cause of U.S. teen death. According to the CDC, more than one-third of teen deaths are from motor-vehicle crashes.

The 2011 survey shows, in particular, that about one-third of high school students responding admitted to texting or e-mailing while driving in the past 30 days. This was the first year the agency had included this question, not surprising considering the recent explosion in this type of electronic communication among young people.

Typing on a cell phone while driving takes eyes, hands, and concentration away from the primary task of driving safely, putting the driver, other passengers, other vehicles, pedestrians, bikers and motorcyclists all at high risk of an accident.

On a more positive note, some risky driving behaviors have improved. For example, more teens wear seat belts, fewer kids get in the car if the driver has been drinking alcohol and fewer drive drunk.

Source: Reuters, “One-third of US teens report texting while driving-CDC,” David Beasley, June 8, 2012

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