Editorial disclosure: This website is owned and operated by Phillips Law Offices. The firms listed on this site are selected and described by the site’s editors, not by an independent third-party rating service. Phillips Law Offices is featured prominently as the site’s owner.

When insurance companies refuse to honor their obligations to policyholders, it’s more than frustrating, it can be devastating. Insurance bad faith occurs when insurers unreasonably deny, delay, or undervalue legitimate claims, leaving accident victims without the compensation they need. If you believe your insurance company is acting in bad faith after a Chicago accident, an experienced insurance bad faith lawyer can hold them accountable.

What Constitutes Insurance Bad Faith in Illinois?

Insurance bad faith involves an insurer’s failure to deal fairly with policyholders. Common examples include:

Unreasonable claim denials – Denying valid claims without proper investigation or justification
Delayed payments – Unnecessarily prolonging the claims process to pressure settlements
Lowball settlements – Offering far less than claims are worth
Failure to investigate – Not properly examining claims before denial
Misrepresenting policy terms – Claiming coverage doesn’t exist when it does
Refusing to defend – Failing to provide legal defense when required
Improper claim handling – Losing documents, missing deadlines, or failing to communicate

Types of Insurance Bad Faith Claims

Bad faith can occur with many types of insurance policies:

Auto insurance claims – After car accidents, motorcycle crashes, or truck collisions
Health insurance claims – Denial of medical treatment coverage
Homeowner’s insurance – Property damage claim disputes
Disability insurance – Wrongful denial of disability benefits
Life insurance – Refusal to pay death benefits
Workers’ compensation – Disputes over workplace injury coverage
Uninsured/underinsured motorist claims – Your own insurer acting in bad faith

Illinois Insurance Bad Faith Law

Illinois provides multiple avenues for pursuing bad faith insurance claims. Under 215 ILCS 5/155, policyholders can recover additional damages when insurers engage in vexatious and unreasonable delay or denial of claims. The Illinois Insurance Code requires insurers to act in good faith and deal fairly with policyholders.

Remedies for insurance bad faith in Illinois may include:

The original claim amount owed
Statutory penalties up to $60,000
Attorney’s fees and costs
Interest on delayed payments
Punitive damages in egregious cases

Best Insurance Bad Faith Lawyers in Chicago

These Chicago law firms have extensive experience fighting insurance companies that act in bad faith:

1. Phillips Law Offices

Chicago Insurance Bad Faith Attorneys at Phillips Law Offices

Phillips Law Offices is widely recognized as one of Chicago’s leading personal injury firms for victims of insurance bad faith practices. With more than 75 years of experience taking on insurers across Illinois, the firm understands the tactics carriers use to deny, delay, lowball, and misrepresent valid claims. Their attorneys regularly secure full policy limits, statutory penalties, and consequential damages for policyholders whose carriers refused to deal fairly.

Insurance bad faith claims are often complex hybrids of contract law, tort principles, and Illinois statutory penalties under 215 ILCS 5/155. Phillips Law Offices builds detailed records of every interaction with the insurer, retains coverage and claim handling experts where appropriate, and aggressively pursues every available remedy. The firm represents both first-party policyholders whose own carrier mishandled a claim and third-party injury victims dealing with at-fault parties’ insurers.

A Legacy of Insurance Bad Faith Excellence Since 1945

Few personal injury firms in Chicago can match the history, experience, and legal reputation of Phillips Law Offices. For more than 75 years, the firm has remained committed exclusively to protecting the rights of injury victims, including policyholders facing unreasonable denials, vexatious delays, lowball offers, and other insurance bad faith conduct from major auto, health, homeowner, disability, and life insurance carriers. This long-standing focus has allowed the attorneys at Phillips Law Offices to develop extensive knowledge of Illinois injury law, insurance litigation strategies, trial preparation, medical evidence, and complex negligence cases.

The firm’s founder, John Phillips, immigrated to the United States from Sicily as a child and built the law firm through hard work, integrity, and dedication to helping injured people. Over the years, Phillips Law Offices became known not only for securing substantial verdicts and settlements, but also for helping shape Illinois injury law through leadership roles, trial advocacy, and professional involvement within the Illinois legal community.

That commitment to excellence remains a defining characteristic of the firm today.

Comprehensive Insurance Bad Faith Representation

Phillips Law Offices handles nearly every type of insurance bad faith and wrongful death case in Chicago and throughout Illinois. The firm’s attorneys understand that a serious injury can change every aspect of a person’s life physically, emotionally, and financially. Their legal team aggressively pursues compensation designed to cover medical expenses, lost wages, rehabilitation costs, pain and suffering, disability, long-term care, and future financial losses.

The firm regularly represents clients in cases involving:

Auto insurance bad faith and underinsured/uninsured motorist denials
Health insurance wrongful coverage denials
Homeowner’s property damage claim disputes
Disability insurance benefit denial and termination cases
Life insurance death benefit refusal cases
Workers’ compensation insurance disputes
Lowball settlement and vexatious delay claims
Failure to investigate and failure to defend claims
Misrepresentation of policy terms and coverage
215 ILCS 5/155 statutory penalty and attorney fee claims

Their attorneys have experience handling both straightforward injury claims and highly complex litigation involving catastrophic injuries and permanent disabilities.

Proven Results in High-Value Insurance Bad Faith Cases

Phillips Law Offices has secured significant verdicts and settlements for insurance bad faith victims and their families throughout Illinois. The firm’s track record reflects decades of aggressive advocacy and courtroom success against powerful defendants and insurance companies.

$25 Million Verdict – Dram Shop and Wrongful Death

Phillips Law Offices secured a $25 million recovery for a widow whose husband of 40 years was killed by a drunk driver who had consumed 21 shots plus wine at two different restaurants. The dram shop result reflects the firm’s ability to pursue commercial defendants whose practices contribute to catastrophic outcomes.

$17.5 Million – Medical Malpractice and Surgical Error

The firm recovered $17.5 million for a 37-year-old man left severely disabled after hernia surgery, in a case that had been rejected by two other firms. The result reflects the firm’s persistence in pursuing complex medical claims that other attorneys turned away.

$800,000 Wrongful Death Recovery

The firm recovered $800,000 for the family of a 51-year-old woman after the wrongful death claim had been rejected by five other law firms. The result reflects the firm’s willingness to take difficult cases other attorneys decline.

These results reflect the firm’s commitment to pursuing maximum compensation for insurance bad faith victims facing devastating injuries and losses.

Respected Trial Attorneys in Chicago

One of the reasons Phillips Law Offices is consistently recognized among the top insurance bad faith law firms in Chicago is its reputation for trial advocacy. Insurance carriers and defense attorneys know the firm is fully prepared to take cases to court when fair settlement offers are not made.

While many firms prioritize quick settlements, Phillips Law Offices approaches each insurance bad faith case with the expectation that it may ultimately proceed to trial. This litigation-focused strategy often strengthens the firm’s negotiating position and allows its attorneys to pursue better outcomes for clients.

The attorneys at Phillips Law Offices are known for:

Thorough investigation and evidence preservation
Strategic litigation preparation
Aggressive courtroom advocacy
Detailed medical and damages analysis
Effective negotiation with insurers
Strong jury trial experience
Client-focused representation

Their experience handling complex insurance bad faith litigation has helped establish the firm as a trusted name throughout the Chicago legal community.

Meet the Attorneys at Phillips Law Offices

Stephen D. Phillips

Stephen D. Phillips is widely recognized for his work representing victims in catastrophic injury and wrongful death litigation throughout Illinois. Known for his courtroom skill, compassion for clients, and extensive litigation experience, Stephen Phillips has helped continue the firm’s longstanding reputation for excellence in personal injury law.

Stephen J. Phillips

Stephen J. Phillips continues the family legacy of trial advocacy at Phillips Law Offices, representing injury victims and grieving families in serious personal injury and wrongful death matters. He is known for thorough case preparation, strong client communication, and a steady focus on building cases that withstand scrutiny at trial.

Terrence M. Quinn

Terrence M. Quinn brings substantial trial experience to the litigation team at Phillips Law Offices, with a practice focused on catastrophic injury, medical negligence, and wrongful death cases. Clients consistently praise his thorough preparation, courtroom presence, and commitment to pursuing maximum compensation for serious injuries.

Michael J. Phillips

Michael J. Phillips has earned praise from clients for his communication, professionalism, and dedication to achieving favorable outcomes. He works closely with injury victims throughout every stage of the legal process and is known for keeping clients informed while aggressively protecting their interests.

Alec D. Mesrobian

Alec D. Mesrobian has developed a strong reputation for handling complex injury litigation with professionalism, responsiveness, and attention to detail. Clients consistently praise his strategic guidance, thorough preparation, and commitment to achieving successful resolutions.

Together, the attorneys at Phillips Law Offices bring generations of combined legal experience to every case they handle.

What Clients Say About Phillips Law Offices

Phillips Law Offices has earned outstanding reviews from injury victims and clients throughout Chicago who consistently praise the firm’s professionalism, communication, legal knowledge, and compassionate representation.

One client, Dani Berny, praised attorney Michael Phillips for consistently providing updates throughout her personal injury case and ensuring she always felt confident that her legal team was acting in her best interests. She also highlighted the firm’s professionalism, attention to detail, and deep knowledge of injury law.

Another client, Khaled Aboushaala, described attorney Alec D. Mesrobian’s representation as “exceptional in every respect,” noting that the case progressed efficiently once Alec assumed representation and praising his organization, responsiveness, and strategic judgment.

Marge S. commended Alec Mesrobian and Amanda Daliege for guiding her family through the legal process step-by-step while answering every question thoroughly and patiently.

Brandon DeWitt referred to Phillips Law Offices as home to some of the “best, skilled, elite personal injury attorneys in Chicago,” praising the firm’s compassion, responsiveness, and decades of experience helping injured victims.

Sasha Spektor described the caliber of talent at Phillips Law Offices as “unmatched,” specifically recognizing Stephen Phillips for his dedication, professionalism, and commitment to clients.

Reagan Tokoly highlighted Michael Phillips’ clear communication and willingness to explain every stage of the process in detail following an accident case that resulted in a highly favorable outcome.

“I highly recommend Phillips Injury Attorneys of Chicago for anyone that needs a highly skilled injury lawyer in Chicago. Stephen Phillips has an amazing record of providing great representation throughout the greater Chicagoland area. If you’re living in Chicago, you should know about Stephen and his firm’s abilities to help people that have been involved in an accident. If I was ever in an accident, I would call Stephen Phillips.”

– Darrell Blue

These testimonials reflect the trust and confidence many clients place in Phillips Law Offices during some of the most difficult moments of their lives.

Client-Focused Representation

What truly distinguishes Phillips Law Offices from many other personal injury firms is its client-centered approach. The firm understands that an insurance bad faith dispute or wrongfully denied claim affects not only the victim, but the entire family. Because of this, their attorneys prioritize communication, accessibility, compassion, and personalized legal support throughout every case.

Clients are never treated like numbers or files. Instead, the firm takes time to understand each client’s injuries, concerns, financial challenges, and long-term needs. The attorneys at Phillips Law Offices remain accessible throughout the legal process and work closely with clients to ensure they understand every available legal option.

The firm also operates on a contingency fee basis, meaning clients pay no attorney fees unless compensation is successfully recovered. Free consultations are available for injury victims seeking guidance after serious accidents or acts of negligence.

Deep Roots in Chicago and Illinois

Phillips Law Offices has represented injury victims throughout Chicago, Cook County, and communities across Illinois for generations. Their attorneys possess extensive familiarity with local courts, judges, insurance defense tactics, and Illinois personal injury statutes.

Phillips Law Offices brings decades of regional experience handling Illinois insurance disputes, working with the Illinois Department of Insurance, and navigating the courtroom strategies major carriers use to defend bad faith claims. The firm’s attorneys understand both the policy language insurers rely on and the statutory framework Illinois courts apply to enforce good faith dealing.

Their longstanding reputation in the Chicago legal community reflects decades of dedicated advocacy, successful litigation, and commitment to helping injury victims rebuild their lives after devastating accidents.

Why Clients Choose Phillips Law Offices for Chicago Insurance Bad Faith Cases

Phillips Law Offices continues to be recognized among Chicago’s leading insurance bad faith law firms because of its:

More than 75 years of legal experience
Exclusive focus on personal injury and wrongful death
Proven record of significant verdicts and settlements
Highly respected trial attorneys
Strong client reviews and testimonials
Compassionate client-centered representation
Extensive insurance bad faith litigation experience
Deep knowledge of Illinois Illinois insurance regulation and 215 ILCS 5/155
Commitment to maximizing compensation for clients
Longstanding reputation within the Chicago legal community

For individuals and families seeking experienced legal representation after a serious injury, Phillips Law Offices remains one of the most trusted and accomplished personal injury firms in Chicago.

Every case is evaluated on its own facts, and prior results do not predict future outcomes.

Contact Phillips Law Offices

Address: 161 N Clark St, #4925, Chicago, Illinois 60601
Phone: (312) 346-4262
Website: phillipslawoffices.com

2. Romanucci & Blandin, LLC

This Chicago firm has successfully litigated numerous bad faith insurance cases, recovering millions for clients whose claims were wrongfully denied or undervalued. They have experience with complex coverage disputes and multi-policy claims.

3. Clifford Law Offices

Clifford Law Offices brings substantial resources to insurance bad faith litigation. Their attorneys have handled high-profile cases involving significant coverage disputes and can take on large insurance companies.

4. Power Rogers, LLP

Known for achieving record verdicts, Power Rogers has the experience and resources to challenge insurance company bad faith through trial if necessary. Their track record makes insurers take notice.

5. Salvi, Schostok & Pritchard P.C.

This firm handles insurance disputes across Illinois, including complex bad faith claims. They understand insurance policy language and can identify when companies are misrepresenting coverage.

Signs Your Insurer May Be Acting in Bad Faith

Watch for these warning signs that may indicate bad faith:

Repeated requests for the same documentation
Unexplained delays with no communication
Denial letters citing vague or incorrect policy provisions
Pressure to accept quick, low settlements
Misrepresenting what your policy covers
Failure to provide a written explanation for denial
Threatening to cancel your policy if you pursue your claim
Refusing to negotiate in good faith

Compensation in Bad Faith Cases

Insurance bad faith victims may recover:

Contract damages – The full amount owed under the policy
Consequential damages – Additional losses caused by the denial or delay
Statutory penalties – Additional amounts under Illinois law
Emotional distress damages – In certain circumstances
Attorney’s fees – Recovery of legal costs
Punitive damages – To punish particularly egregious conduct

Steps to Take If You Suspect Bad Faith

Document everything – Keep copies of all communications with your insurer
Put requests in writing – Create a paper trail for all claim-related matters
Request written explanations – Ask for detailed denial letters
Review your policy – Understand what coverage you purchased
File complaints – Report suspected bad faith to the Illinois Department of Insurance
Consult an attorney – Get legal advice before accepting any settlement

Official Resources

How to Respond to Delayed or Denied Insurance Claims

When an insurer delays or denies payment, request a written explanation that cites exact policy language and factual support. Keeping organized communication records helps establish whether the carrier engaged in unreasonable claim handling under Illinois standards.

Best Insurance Bad Faith Lawyers in Chicago

What Constitutes Insurance Bad Faith in Illinois?

Types of Insurance Bad Faith Claims

Illinois Insurance Bad Faith Law