Almost every injury claim in Illinois turns into a fight about two things: who is liable, and what the insurance company has to pay. This page collects every guide on this site about insurance coverage, adjuster tactics, and the liability rules that decide Illinois cases.
Illinois uses modified comparative fault. You can recover damages as long as you are 50 percent or less at fault, but your share of fault reduces your payout. Insurers know this rule well. They often try to push extra blame onto the injured person to cut the value of the claim.
Insurance adjusters are trained negotiators. They may sound friendly, but they work for the insurance company, not for you. Recorded statements, quick settlement offers, and medical record authorizations are common tools used to shrink claims. The guides below explain what to say, what to refuse, and when an offer is too low.
Coverage limits matter as much as fault. Illinois requires minimum liability coverage of $25,000 per person, which serious injuries exhaust quickly. Underinsured and uninsured motorist coverage, umbrella policies, and claims against multiple defendants can all add real money to a recovery. Read the guides below before you sign anything from an insurer.
All Guides in This Section
Dealing with insurance companies
- How Insurance Companies Undervalue Claims
- How to Handle a Recorded Statement from an Adjuster
- Should You Accept the First Settlement Offer?
- What to Do When an Insurance Claim Is Denied
Coverage rules and minimums
Liability rules in Illinois
- Bad Faith Insurance Practices in Illinois
- Dealing with the Other Driver’s Insurance After an Accident
- Gap Insurance and Total Loss Claims
- Multi-Vehicle Crash Liability in Illinois — How Fault Is Divided
- Subrogation in Illinois Personal Injury Claims
Talk to a Chicago Injury Lawyer for Free
Phillips Law Offices handles insurance disputes and liability questions across Chicago and Illinois. The consultation is free and there is no fee unless we win. Call (312) 346-4262 or contact us online. Our office is at 161 N Clark St Suite 4925, Chicago, IL 60601.