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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.

Truck Accidents: Is the Shipper Liable for the Crash?

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The Chicago and Cicero Truck Accident Lawyers at Grazian and Volpe (now Lloyd Miller Law) want all accident attorneys and truck accident victims to know that truck Accidents may be the result of negligent selection and hiring of ill-suited or trained motor carriers or drivers by the defendant company. Often a defendant company will deny responsibility for a motor vehicle crash because they hired an independent contractor to perform the work. The company will state that the motor carrier or driver is not its agent and therefore solely responsible for personal injuries and property damage suffered as a result of the truck crash. Companies needing to transport items will often hire the cheapest-priced carrier without regard for safety. In the event of a catastrophic crash, these shippers claim ignorance and have been found free of liability for any negligence on the part of the motor carrier or driver because they were hired as  independent contractors. Therefore,  vicarious liability does not extend to the company hiring the independent contractor.

Recent case law indicates that courts are recognizing that the hiring companies may have liability for serious injuries caused by the negligent selection of a trucking company. The Fifth District Court of Appeal in Florida (Davies v. Commercial Metals Company, 46 So. 3d 71{Fla. 5th DCA 2010}) specifically recognized a cause of action for negligent selection of a trucking company who was hired as an independent contractor. Plaintiff was seriously injured after a collision with a tractor-trailer hired by the scrap metal company. The only claim against the scrap metal company was for negligent hiring and retention. While plaintiff lost the claim on a factual basis, the court did recognize the cause of action as viable by referencing section 411 of the Restatement of Torts, which in part provides:

An employer is subject to liability for physical harm to third persons caused by his failure to exercise reasonable care to employ a competent and careful contractor 

(a) to do work which will involve a risk of physical harm unless it is skillfully and carefully done

The court explained that “to state a claim for negligent selection of an independent contractor, a plaintiff must generally plead that (1) the contractor was incompetent or unfit to perform the work; (2) the employer knew or should have known of the particular incompetence or unfitness and (3) the incompetence or unfitness was the proximate cause of plaintiff’s injury.”

Plaintiff’s attorneys representing victims of truck accidents need be aware that the safety and performance of a motor carrier and driver is something that the shipper needs to be aware. Investigation should start early into truck crash claims and the safety performance and hiring practices of the motor carrier.

Chicago and South Chicago are major trucking arteries and as experienced personal injury attorneys in the metropolitan area, Grazian and Volpe (now Lloyd Miller Law) has seen hundreds of avoidable serious personal injuries caused by driver, carrier or shipper negligence. Regard to regulation and hiring are crucial components of road safety. The Cicero and Chicago Truck Accident Lawyers at Grazian and Volpe (now Lloyd Miller Law) ask you to follow our blogs or John Grazian on WCIU, You and Me in the Morning for more information on the protection and advocacy for the injured victims of trucking accidents.

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