Category: Insurance and Liability
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Multi-Vehicle Crash Liability in Illinois — How Fault Is Divided
In a multi-vehicle crash in Illinois, fault is divided among the responsible parties as separate percentages under the state’s comparative fault system.
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What to Do When an Insurance Claim Is Denied
You filed an insurance claim after a car accident in Chicago. You expected the insurer to cover your damages. Instead, you received a denial letter.
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MedPay Coverage in Illinois Auto Policies
Medical Payments coverage, commonly called MedPay, is an optional add-on to your auto insurance policy in Illinois. Here is what Illinois law says.
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Gap Insurance and Total Loss Claims
A car accident in Chicago can total your vehicle in seconds. When the insurance company declares your car a total loss, they pay you the actual…
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Subrogation in Illinois Personal Injury Claims
After a car accident in Chicago, you might hear the word subrogation. It sounds like legal jargon, but it directly affects how much money you keep…
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How to Handle a Recorded Statement from an Adjuster
After a car accident in Chicago, the insurance adjuster will call you and ask for a recorded statement. They will say it is standard procedure.
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Should You Accept the First Settlement Offer?
You were in a car accident in Chicago. You are dealing with injuries, medical bills, and missed work. Then the insurance company calls with a settlement…
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Bad Faith Insurance Practices in Illinois
You pay your insurance premiums expecting your insurer to hold up their end of the deal. What Illinois law says and how to protect your case.
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Minimum Auto Insurance Requirements in Illinois
Illinois is a mandatory insurance state. Every driver must carry auto insurance that meets minimum coverage requirements. Here is what Illinois law says.
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Dealing with the Other Driver’s Insurance After an Accident
After a car accident in Chicago, you will likely need to file a claim with the other driver’s insurance company. This is called a third-party claim.