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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.

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