Bad Faith Insurance Claims

Web Admin - Friday, October 23, 2015

denied insurance claim, Crystal Lake insurance dispute attorney, bad faith insurance claimsIn some instances when a claim is made on an insurance policy, an insured may believe that the insurer has acted in bad faith in settling that claim. Bad faith may occur through a delay in settling an insurance claim as well as the outright denial of the claim. An insurance company that acts in bad faith in the settlement of a claim may be forced to pay the insured for those actions. 

Claims under the Insurance Code 

Under the Illinois Insurance Code (§155), it is possible to recover a statutory penalty, attorney’s fees, and other costs if an insurer fails to fulfill its obligations in an unreasonable manner after a claim is made. 

Specifically, an insured must prove that there was a delay in settling the claim that is vexatious and unreasonable. Determining if the delay is vexatious and unreasonable requires an examination of the totality of the circumstances. Some of the factors that are considered include the attitude of the insurer, whether the insured had to file a lawsuit to recover, and whether the insured was deprived of his or her property for a period of time. 

The amount that may be recovered as a penalty under §155 violations cannot exceed any of the following: 

- Sixty percent of the amount which the court or jury finds the insured is entitled to recover against the insurance company;

- $60,000; and

- The excess of the amount that the court or jury finds the insured is entitled to recover, exclusive of costs, over the amount that the insurance company offered to pay to settle the claim before the action. 

The primary defense to a bad faith claim is that there is a bona fide dispute as to whether a policy provides coverage for the claim. If a bona fide dispute exists, denying or delaying in the handling of the claim is not considered a violation. Further, it has been held in Illinois that conduct of insurers is also vexatious and unreasonable when the insurer presents a legitimate policy defense, a genuine legal or factual issue as to coverage exists, or the insurer takes a reasonable legal position based on an area of law that is unsettled. 

Action that Results in a Violation of §155 

Conduct that leads to a violation of the duty of good faith and fair dealing includes, but is not limited to, the following: 

- Knowingly misrepresenting relevant facts or insurance policy provisions;Not maintaining prompt and regular communication with the insured;

- Refusing to pay a claim (either in whole or in part) that the insurer acknowledges as being due;

- Settling a claim for less than what it is actually worth; and

- Failing to properly investigate a claim. 

Insurance Dispute Attorneys 

If you believe that your insurance claim has been delayed or denied in bad faith, it is important to reach out to an experienced Crystal Lake insurance dispute attorney. Our firm represents individuals in communities such as Schaumburg, Crystal Lake, Palatine, Des Plaines, Buffalo Grove, Rolling Meadows, Barrington, Arlington Heights, Inverness, and Deer Park. 

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.



What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

insurance lawsuit, Palatine insurance lawyerPeople purchase insurance with the goal of protecting themselves in the event that something unfortunate happens. However, no matter how hard people try to understand their policies and the limitations on them, many people face situations where they feel that the insurance company should be compensating them, but the company refuses. When this happens, people have a variety of options.

First, they can enter into an internal appeals process. Most insurance companies have a function that allows other employees of the company to review refusals and determine if they were warranted. If that fails, then the Illinois Department of Insurance also investigates some insurance-related issues. Alternatively, people with issues that neither of those strategies can solve may need to sue their insurance company if they want to see the compensation that they have already paid for. It is important for people to understand the process of a lawsuit and the length of time that it may take. Insurance companies are expert litigators, and they may drag the process out.

Understanding a Lawsuit

The beginning part of the process for filing a lawsuit against your insurance company involves hiring a lawyer and filing a complaint against them. The complaint is a legal document that triggers a lawsuit, and lays out the general allegations against the insurance company. Once this happens, the insurance company is allowed to respond with a document called an answer. The answer takes each fact asserted by the complaint and either confirms or denies them, so that both parties understand what is in dispute. Once this happens your lawyer and the insurance company lawyers will engage in discovery.

Discovery is a legal process in which both sides ask the other side questions to better understand the facts. This is mainly done through requests for documents, written questions called interrogatories that the other side has to answer, and depositions, which are in-person interviews. The majority of lawsuits end at some point during this phase. As more information comes out, both sides begin to understand their chances of winning at trial, and they likely reach a settlement. In the event that there is no settlement, the case moves to trial where both sides' attorneys present their arguments to the judge, who eventually makes the final legal decision.

Your Part in the Process

Not every step in that process will require the client's involvement. Initial interviews will need to be done for the attorney to get a picture of the case, and there will also be periodic conferences as new facts appear or the case moves forward. The most intensive piece that the client will need to do is prepare for a deposition in case the insurance company wants to depose them. This may require working with the client's attorney to better understand the types of questions that they company may ask, so that the deposition goes smoothly.

If you are currently having an issue with an insurance company and would like to file a lawsuit against them, contact a dedicated Illinois insurance dispute attorney today. At Drost, Gilbert, Andrew & Apicella, LLC, we represent clients in many northwest suburban towns including Inverness, Palatine, and Schaumburg.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

How to Handle a Denied Insurance Claim in Illinois

Web Admin - Tuesday, May 13, 2014

illinois denied insurance attorneyPeople purchase insurance coverage to protect themselves when something goes wrong. Depending on the type of insurance, claims can be paid out for health issues, auto accidents, home repairs, or deaths in the family, among other things. These are already stressful events. A denied insurance claim merely serves to add more stress and difficulty to an already trying situation. The reasons for such a denial can be varied and depend on the type of insurance in question, but in these situations consumers have options available to them to contest the insurance denial.

Reasons for a Denial

The reasons for an insurance company to deny a claim on a policy vary greatly between different types of insurance. For instance, a company providing a life insurance policy may reject a policy claim based on a belief that the person’s death was actually a suicide, or a company providing health insurance could reject a claim made for a specific treatment by arguing that the treatment was not actually medically necessary. However, there are also some grounds for a denial that span across the insurance industry. One of the most common is a “material misrepresentation,” which means that the company believes that the policyholder lied or withheld important information during the application for a policy.

Exactly what qualifies as a material misrepresentation changes from industry to industry. Health or life insurance companies would argue that hiding a prior medical condition may be a material misrepresentation, while an auto insurance company would be more concerned with a past accident. Furthermore, any of these reasons could just be a pretext for a “bad faith” denial, which means that the insurance company privately believes that the policyholder has a valid claim, and simply does not want to part with its money.

Contesting a Denial

Policyholders facing a denied claim do have options available to them. The process will likely begin with the insurance company’s internal appeals process. This may involve letter writing, phone calls, or in-person interviews where the policyholder explains their position. It can be advantageous to consult a lawyer at this point for two reasons.

First, the insurance company may have lawyers involved at this stage, so it evens the playing field. Second, if the issue does proceed to a lawsuit, the lawyer will already know the case’s history and they may be able to prevent early missteps that would cause problems in litigation, which would be the next step if the internal appeals fail. The one exception to this is in the case of health insurance. Illinois recently passed a law allowing policyholders to apply for an independent external review in the case of a denied health insurance claim.

If you are dealing with a denied insurance claim, you do not need to do it alone. Reach out to a skilled Schaumburg insurance dispute attorney today. Our team represents clients across the northwest suburbs, including in towns such as Crystal Lake, Arlington Heights, and Buffalo Grove, Illinois.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

illinois insurance agent negligence lawyerInsurance agents often act as a person’s main point of contact throughout the process of procuring an insurance policy. This means people are relying on insurance agents to do their job thoroughly, carefully, and professionally. To that end, the law imposes a duty of reasonable care on insurance agents to ensure that they perform their jobs accurately. 

The fact that agents have this duty means that if the agent harms a customer through their negligence, they may be liable to that customer in court for the damage that their insurance negligence caused. Generally speaking, these sorts of claims for negligent errors and omissions come in two forms: improperly filing or filling out insurance paperwork, and failure to properly counsel the client on the type of insurance they need.

Types of Insurance Agent Negligence

Insurance agent negligence often occurs in an agent’s clerical capacity. An agent must exercise reasonable care in the filling out of insurance paperwork to make sure that the insurance company provides coverage and that the policies are properly updated. An example of this sort of negligence in the realm of car insurance would occur if a person wanted to add someone to their insurance policy, and yet after informing the agent, the agent never properly filed the paperwork to add them to the policy. If the new person, who should be covered under the insurance, was in a car accident, the agent would be liable for the person’s lack of coverage.

Insurance agents also have a duty to exercise ordinary care when advising clients about the types of policy they need, along with possible limits and exemptions of the policy. This claim comes up often in the case of policy exclusions, which are special circumstances in the insurance policy for which the company refuses to pay. These exemptions can often be long and complex, which means that the insurance agent may be liable for negligently advising the customer if they do not make the exclusions clear. 

For an example of this, consider a person buying homeowner’s insurance who explicitly wants coverage for every item in their home in the case of a fire. If an agent provides them a policy that excludes jewelry or some other class of property, the insured might have a claim against the agent for negligent errors and omissions.

The Statute of Limitations

Statutes of limitations are time limits that the law places on people looking to file lawsuits. In the case of insurance agent negligence, Illinois law limits people to two years to file the suit once the person has a cause of action. However, that time limit can be deceptively complicated since it does not say when a person has a cause of action. Generally, courts start the clock running once the insurer first takes a position that runs against the insured’s expectations. That can mean in some cases the insured needs to act quickly, since it is possible that their underlying insurance case will not even be finished before the statute of limitations related to the agent expires.

If you believe you have been the victim of insurance agent negligence, find an Illinois insurance attorney near you. They can help protect your rights in court and ensure that you recover fair compensation for the harm done by negligent insurance agents. Our firm represents people across the northwest suburban area, in towns like Rolling Meadows, Buffalo Grove and Barrington.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Appealing a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

illinois denied insurance benefitsMany people carry life insurance or accidental death and dismemberment (AD&D) policies. These policies, which people can acquire through their employer or on the open market, may pay benefits in cases of accidental death. Unfortunately, life insurance policies comprise an industry worth hundreds of billions of dollars, according to a report by the U.S. Treasury, and insurance companies have strong incentives to pay out as little as they can in benefits.

Often, that means denying legitimate life insurance claims on the basis of a “policy exclusion.” Policy exclusions are exceptions that insurance companies place into contracts that exempt certain situations from qualifying for payment. Common policy exemptions include suicides and deaths occurring within one year of the policy’s start. Companies can use these sorts of exemptions as pretexts for denying the payment of benefits.

Contesting a Denial

Even after the insurance company denies the claim, beneficiaries do have tools to appeal the decision. However, depending on the law governing the insurance policy, the tools may be expansive, or more limited in nature. For instance, plans through a person’s employer are often covered by the Employee Retirement Income Security Act (ERISA). ERISA places strict limits on how appeals take place.

Beneficiaries must appeal the decision through a special ERISA administrator before they can move into the regular court system. Beneficiaries with denied claims would do well to seek out a lawyer before filing their ERISA appeal because the actions that take place at that appeal can have strong impacts on a court case. Courts handling ERISA litigation often use evidence from the appeal when making their decisions. That means that if something is left unmentioned at that stage, it can be very difficult to convince the court to consider it later.

Plans purchased by an individual, rather than provided by an employer, will likely be governed by state law instead of ERISA. While this law is usually less restrictive, individuals should still be cautious when dealing with insurance companies. In state law cases, the beneficiary will likely sue the insurance company in an attempt to prove that their cases does not actually fall into the policy exclusion that the company is claiming.

If you have been the victim of a wrongful denial of a life insurance claim, get a written statement of the reasons for the denial, and seek help from an Illinois insurance attorney. Our firm serves clients across the northwest suburban area, including Schaumburg, Palatine, and Crystal Lake.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Unpaid Life Insurance Benefits are a Billion Dollar Problem

Web Admin - Thursday, January 23, 2014

By Ken Apicella
(847) 934-6000

A recent probe of insurance companies conducted by New York State’s Department of Financial Services revealed that, nationwide, insurance companies failed to pay an estimated $1.1 billion in life insurance to beneficiaries. The issue stems, in part, from a lack of communication between policyholders and beneficiaries. If the policyholder never informed the beneficiary that they took out a life insurance policy, the beneficiary would not know to file a claim. This causes problems because insurance companies rely on beneficiaries to report when someone dies in order to claim their benefits.

At least, that used to be the case. Following this probe and similar investigations across the country, including in Illinois, insurers are starting to follow a different set of rules. For instance, in New York, Governor Cuomo signed a law that requires insurers to make routine searches of a death database in order to determine if any new deaths matched policyholders, so that they could start the process of finding that person’s beneficiary.

The Governor introduced this law in order to put to rest the apparently common practice of using such databases to track the deaths of people to whom the insurance company owes monthly checks, without using those same databases to track the deaths of policyholders.

The investigation also prompted more stringent enforcement of rules requiring insurers to turn unpaid benefits over to the state in some circumstances. Many states run unclaimed property departments. These departments hold on to the property, and then it becomes the beneficiary’s burden to track it down. Fortunately, with some careful planning, policyholders and beneficiaries can avoid problems like this.

The easiest way to make sure your loved ones do not have to spend time tracking down an insurance policy is with communication. If you take a life insurance policy out on yourself, tell the beneficiary. While some people can find it unpleasant to discuss or difficult to go into the details of how much they chose to purchase, you do not need to do that. It does not have to be a long, drawn-out conversation. Even just letting them know that you took out a policy, as well as which insurance company they should talk to if necessary, can be helpful.

If you have found yourself involved in an insurance dispute, contact a Palatine insurance attorney today. Call 847-934-6000 to speak to a member of our team. We serve many northwest areas including Rolling Meadows, Chicago, Crystal Lake, Inverness, and other nearby communities.

Unpaid Claims by Insurance Companies on the Rise

Web Admin - Saturday, November 09, 2013

In recent years, it has become more difficult for policyholders to get paid after submitting a claim to their insurance company. In fact, research done by the Los Angeles Times shows that the amount of money that insurance companies failed to pay on claims more than doubled in the past decade to $372 million.

This increase comes, in part, from insurance companies using aggressive tactics to avoid paying money to deserving people. These tactics include denying payment or cancelling coverage after people make claims, confusing customers until they give up trying to collect on their policies, and delaying payment on valid claims. For many consumers, the best option to protect their rights in the face of these insurance actions is to seek out an attorney experienced in handling unfair insurance claim denials.

Insurance Company Tactics        

One of the most common tricks that insurance companies use to avoid paying for valid claims involves denying their validity, or canceling coverage after the policyholder makes a claim. Insurers often do this by claiming that the policyholder failed to inform them of some piece of information, even if that information had no effect on the reason for filing the claim in the first place. Some companies dealing in health insurance go so far as to examine the medical records of claimants in an attempt to dig up some pre-existing conditions that they can use to cancel the coverage or deny the claim. There have even been cases of insurance companies revoking coverage based on conditions that the company never asked about, or that doctors never diagnosed.

Insurance companies also actively attempt to confuse customers about the extent of their coverage in order to escape paying on claims. The companies’ best tool for this is often their contract. Insurance companies write their contracts with an eye towards keeping them difficult to understand, that way they can fool customers into believing that their policy covers more than it actually does until they file a claim.

Another strategy insurers use involves simply delaying payment of the claim until they give up, or in some cases even pass away. Insurers have many tools to prolong the process of trying to collect on a claim. Some tricks amount to nothing more than a bureaucratic runaround, like sending the wrong paperwork for the policyholder to fill out, but others are more aggressive--like simply waiting to mail the payment until the beneficiary complains. Some insurers delay payments so severely that customers resorted to lawsuits just to get the money the company owed them.

Legal Help for Unpaid Insurance Claims in Illinois

If you have questions about an insurance dispute, contact an Illinois insurance attorney today. Call 847-934-6000 to speak with a member of our team. We work with residents in many communities on these issues, including Chicago, Crystal Lake, Schaumburg, Des Plaines, and more.

Recent Posts


nursing home negligence traumatic brain injury filing a medical malpractice claim unauthorized overtime Illinois home inspection Illinois trusts attorney controlled substance civil litigation attorney license Rolling Meadows insurance dispute lawyers medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Illinois wills and trusts attorneys digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Home Remodeling Repair Act car collision Inverness corporate attorney Inverness probate lawyer pedestrian-automobile accident life insurance policy Des Plaines claims law firm Schaumburg insurance lawyers internet Illinois Human Rights Act underinsured motorist CAM Des Plaines personal injury lawyer Inverness elder law lawyer Arlington Heights wills and trusts attorney defective products lawyer institutional trustee Mount Prospect elder law attorney Des Plaines criminal attorney slip and fall accidents Arlington Heights personal injury attorney Arlington Heights estate planning attorney probate process Crystal Lake will lawyer Do Not Resuscitate Illinois estate planning employment lawyer Chicago insurance law firm Illinois estate planning attorney college kids South Barrington real estate lawyer severance agreements Buffalo Grove criminal defense lawyer IRA trust transfer Arlington Heights wills and trusts lawyer digital information DUI trench injuries Palatine corporate law attorneys Illinois workers compensation lawyer Arlington Heights accident attorney criminal defense Attorney Ken Apicella DUI penalities Transfer on Death Instrument senior citizens Forcible Entry power of attorney liability claims criminal record comparative negligence revenge porn Schaumburg probate attorney subcontractor Mt Prospect Attorney estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Barrington medical malpractice lawyers Illinois driving without license Illinois collections attorney Arlington Heights wills and trusts attorneys Schaumburg personal injury lawyer Inverness accident lawyer Schaumburg elder law lawyer Rolling Meadows tax attorney drug crime rumble strips insurance agent negligence POA Rolling Meadows car accident lawyers pregnant women insurance agents South Barrington real estate attorney Illinois civil litigation lawyer commercial leasing real estate employee rights tax attorney Rolling Meadows traffic attorney spinal cord injury Thanksgiving Barrington personal injury lawyer Crystal Lake medical malpractice attorneys estate planning trusts Des Plaines medical malpractice attorney privacy Buffalo Grove employment lawyer brain injury new real estate form Buffalo Grove car accident lawyer Barrington drug crime attorney Illinois wrongful termination lawyer preventing accidents license suspension Illinois pet lawyer Illinois insurance lawyer changes to mortgage law Schaumburg estate attorney Inverness real estate lawyer Inverness civil lawyer Barrington Illinois estate planning lawyer capital gains tax Buffalo Grove insurance claim dispute lawyers income distribution deducation Des Plaines personal injury lawyers spinal cord injuries Buffalo Grove personal injury attorney workers compensation Illinois medical malpractice lawyers manufacturing traffic crimes Arlington Heights car crash attorneys Rolling Meadows criminal attorney personal injury claim drunk driving statistics loopholes Barrington estate planning attorney hands free device Crystal Lake car accident lawyer estate planning lawyer fiduciary rule Palatine trusts lawyer pet law Crystal Lake civil litigation lawyer Deer Park employment law attorney Illinois medical malpractice case Illinois wills and trusts murder insurance denial appeals insurance adjusters Federal Food Drug and Cosmetic Act Des Plaines drug crimes lawyer overtime pay drugs ken apicella Illinois trucking safety digital media accounts, estate planning, Arlington Heights estate planning attorney, Palatine civil attorney Barrington workers compensation attorney real estate lawyer distracted driving accidents insurance attorney condo association Illinois attorney hit and run accident dog bites Long Grove estate planning Deer Park real estate law firm wills and trusts living trust vs will Deer Park traffic lawyer personal injury law firm icy parking lots Schaumburg wrongful death attorney Illinois will lawyer Rolling Meadows drug defense attorney Rolling Meadows boating crash lawyer Self-Directed IRA Accounts Illinois injury lawyer Illinois employment law Barrington Traffic Lawyer Home Sale Contingencies compensatory time fatal car accidents murder defense traffic laws Inverness estate planning lawyer accidental death benefits Deer Park DUI lawyer cell phone Kenilworth estate planning attorney Crystal Lake accident attorney Riverwoods estate planning lawyer Palatine real estate lawyer caregiver healthcare claims Palatine criminal defense lawyer Deer Park accident attorney estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Landlord Tenant Ordinance Illinois workers compensation attorney golf accidents ObamaCare deadly crashes rent to own real estate contracts Deer Park personal injury lawyer digital assets Palatine elder law attorney breach of contract federal crimes Illinois elder law attorney Long Grove estate planning attorneys gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys boating under the influence Chicago car accident lawyer Arlington Heights lawyer Long Grove estate planning attorney employees Schaumburg employment attorney insurance disputes Rolling Meadows employment law attorney gift taxes elder abuse workers compensation benefits Des Plaines Traffic Lawyer Buffalo Grove probate lawyer back injuries medical malpractice claims trusts digital evidence texting and driving head on collisions drunk driving Barrington real estate lawyer insurance dispute suspended license Rolling Meadows employment attorney Barrington injury attorney pet bites denial of life insurance special needs trust speeding Illinois employment law attorneys Des Plaines real estate attorney Crystal Lake car accident attorney paid sick leave wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace bad faith insurance claims home inspection lawyer Retaliatory Discharge Crystal Lake criminal defense attorney Schaumburg employment law attorneys Crystal lake insurance dispute attorney Schaumburg civil litigation attorney car accident lawyer social media after death DUI attorney Rolling Meadows employment law attorneys Des Plaines pet law attorney boating DUI eluding a police officer ACA Illinois employment lawyer Des Plaines civil attorney Rolling Meadows probate lawyer pedestrian accidents car accident Rolling Meadows Attorney business litigation Inverness injury lawyer real estate closing Arlington Heights insurance attorney living trust Rolling Meadows insurance lawyer denied insurance claim Illinois probate lawyer sole proprietorship Arlington Heights injury attorney food poisoning Legal Info Palatine injury attorney Barrington litigation attorney problem employees Palatine insurance lawyer vacation home surgical mistakes Illinois rollover accident lawyers insurance dispute attorney life insurance Palatine law firm insurance claim delay Chicago employment attorney PTSD bicycle dooring accidents Illinois boating accident lawyer homestead rights Illinois employment law attorney denied insurance claims blood alcohol content living wills Rolling Meadows corporate lawyer involuntary manslaughter employment contract Family Medical Leave Act Illinois lawyer Colin Gilbert Schaumburg real estate lawyer jet ski Chicago traffic lawyer Illinois traffic ticket lawyer Palatine employment lawyer Illinois construction accident attorney texting while driving reckless homicide Kenilworth estate planning attorneys Illinois Arlington Heights wills and trusts lawyers Rolling Meadows estate planning attorney Illinois personal injury lawyers deed transfer natural gas explosion commercial leases Chicago trucking accident attorney Joliet general practice lawyers comp time Crystal Lake medical malpractice law firm Illinois insurance claim attorney Des Plaines collections attorney Des Plaines accident attorney Arlington Heights Traffic Lawyer Illinois employment law firm employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Chicago corporate attorney estate planning dealing with problem employees Rolling Meadows Traffic Lawyer traffic offenses privacy laws criminal license reinstatement federal regulations for LLCs real estate attorneys Barrington personal injury attorney living trust benefits drug possession Rolling Meadows DUI lawyer Buffalo Grove law firm Exclusions Barrington employment attorney Colin H. Gilbert swimming pools Buffalo Grove medical malpractice lawyers rollover accidents Illinois corporate lawyer auto accidents Illinois Workers’ Compensation Commission premises liability probate DGAA Crystal Lake insurance lawyer Long Grove wills and trusts attorneys IRELA small business Schaumburg construction accident lawyer creditors whistleblower protections products liability Illinois workplace discrimination attorney product liability Inverness traffic law firm real estate zoning real estate leasing Buffalo Grove injury lawyer boating accidents estate attorney Illinois law Illinois pedestrian accident attorney Schaumburg injury lawyer healthcare motorcycle accident lawyer Barrington civil litigation attorney Illinois traffic accident lawyer guardianship attorney overtime violations Illinois tax attorney medical marijuana mass shooting Palatine business attorney advance healthcare directive traffic violations Illinois personal injury attorney traffic tickets automated cars Class A misdemeanor employee misclassification probate claims pedestrian injuries, pedestrian fatality Arlington Heights pedestrian accidents power of attorney for healthcare uninsured motorist financial advisors personal injury attorney Inverness DUI lawyer trucking accident lawyers medical research Arlington Heights car accident lawyer Palatine Attorney Chicago estate planning Illinois employee rights attorney. employment attorney unpaid assessment employee discrimination Schaumburg estate planning attorney Illinois insurance claim dispute lawyers Des Plaines DUI attorney Palatine construction attorney Rolling Meadows caretaker rights DNR LLCs Barrington criminal defense lawyer IRS attorney fees real estate contract Rolling Meadows business lawyer Palatine traffic accidents Illinois personal injury lawyer Schaumburg drug defense lawyer wage theft right to work medical malpractice compensation civil rights violation Crystal Lake injury attorney Buffalo Grove personal injury lawyer Illinois employment attorneys Chicago biking tips Crystal Lake employment law attorney Des Plaines drug lawyer Buffalo Grove traffic attorney driving loss of consortium Long Grove real estate lawyer holiday statistics sexual harassment Rolling Meadows real estate attorney condo personal injury Chicago lawyer elder law Illinois medical malpractice claim meal breaks personal injury lawyer Illinois LLC creation pedestrian accident Illinois motorcycle accident lawyer Illinois real estate Mount Prospect real estate lawyer life insurance lawyer in terrorem provision sexual images Barrington business law firm Illinois traffic attorney Rolling Meadows medical malpractice lawyers motorcycle accident Illinois Wage Payment and Collection Act wrongful termination installment contracts medical malpractice Crystal Lake medical malpractice lawyer Illinois Smoke Detector Act jet ski accidents Buffalo Grove corporate attorney no contest clauses liability forming a corporation in Illinois Illinois estate planning law firm insurance claim dispute attorney underage DUI Illinois insurance attorney trustee insurance claim Illinois traffic laws BAC startup company car accidents insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys Palatine probate lawyer FSLA cell phone tower data Schaumburg traffic lawyer trucking accidents car crash injuries Rolling Meadows criminal lawyer Fair Labor Standards Act Illinois employment laws Illinois personal injury unpaid overtime Des Plaines insurance attorney breathalyzer test natural gas Arlington Heights medical malpractice lawyer Illinois bicycle safety real estate attorney job lawyers DUI defense irrevocable trust BUI owner responsibility Barrington attorney pay when paid contract Rolling Meadows traffic law firm construction contracts independent contractor Des Plaines wills Illinois criminal defense attorney car crashes Arlington Heights tax lawyer medication errors defective products Des Plaines personal injury attorney Palatine corporate attorney residential real estate Crystal Lake bike accident lawyer Illinois registered agent llinois Real Estate Lawyers Association Illinois job attorney Schaumburg medical malpractice lawyer life insurance claims insurance claim denial Rolling Meadows insurance dispute lawyers, insurance dispute bike accident Illinois red light cameras Deer Park traffic accident attorney Palatine drug lawyer insurance claim denials Palatine employment law lawyer agent insurance denials Chicago employment lawyer investment property car crash Palatine punch death child safety drug crimes lawyer Schaumburg car accident attorney dram shop law Kenilworth estate planning lawyer Palatine civil litigation lawyer Chicago attorney Fourth of July license revocation Schaumburg personal injury attorney Palatine employment attorney estate planning for college students construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation Illinois mortgages Whistleblower Claims first degree murder fault based insurance Jay Andrew work unions marijuana Illinois living will crossover accidents landlord tenant law Super Mario corporate law Illinois car accident attorney Illinois business law atorneys consent to a search insurance claims Deer Park criminal attorney Rolling Meadows personal injury attorney hiring employees DMV mortgage trust payments fiduciary rule delay Inverness personal injury attorney unfunded trust disability benefits dynasty trusts Rolling Meadows insurance attorney appealing an insurance claim Arlington Heights trucking lawyer Mount Prospect wills and trusts lawyers wrongful death Deer Park motorcycle accident lawyer expungement minimum wage workplace sexual harassment insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Schaumburg corporate attorney Chicago will attorney IRA benefits Des Plaines real estate lawyer Illinois Transfer on Death Instrument Arlington Heights Attorney Palatine estate planning lawyer Illinois business lawyer personal injury claims pain and suffering Crystal Lake pet attorney workers comp traffic deaths trauma after an accident Crystal Lake law firm Inverness real estate attorney FMLA liens employment law Des Plaines motorcycle accident attorney Schaumburg criminal attorney employment law, Illinois employment laws Chicago insurance claim attorneys Illinois traffic attorneys truck collisions Schaumburg Attorney Schaumburg criminal law attorney underfunded trust Arlington Heights employment attorney marijuana crimes attorney blended families low-ball insurance settlement contracts drug crimes civil litigation field sobriety test traffic accidents Long Grove real estate attorney foreclosure Employment Discrimination Law Crystal Lake employment lawyer Barrington estate planning lawyer criminal law Des Plaines injury law firm employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, Crystal Lake personal injury attorney operating agreements Illinois defective products attorney Illinois small business Illinois workplace lawyer Illinois DUI attorney Illinois Sales Representative Act Rolling Meadows litigation lawyer landlord Buffalo Grove real estate attorney Deer Park medical malpractice attorney Palatine workers compensation lawyer Inverness insurance attorney Crystal Lake estate planning lawyer Palatine traffic lawyer Illinois jet ski accident lawyer Arlington Heights personal injury lawyer Crystal Lake employment attorney bicycle accidents probate claims process vacation home fines probate lawyer Arlington Heights TBI attorney slip and fall taxes Crystal Lake pedestrian accident lawyer Rolling Meadows marijuana attorney clemency Rolling Meadows personal injury lawyer estate plan Barrington boating accident attorney School Visitation Rights Act anesthesia errors rollover car crashes Detainer Actions distracted driving accident victims Illinois medical malpractice attorney personal injury accidents estate tax traumatic brain injuries Des Plaines tax law firm Crystal Lake traffic lawyer Barrington criminal lawyer Crystal Lake personal injury lawyer Deer Park workers compensation lawyer Illinois insurance disputes Buffalo Grove traffic lawyers Policy Cancellation rest breaks Schaumburg Crystal Lake traffic attorney Illinois insurance claims lawyers Schaumburg personal injury lawyers Crystal Lake tax lawyer insurance negligence Food and Drug Administration's Food Safety Modernization Act Schaumburg estate planning lawyer insurance claim dispute Arlington Heights criminal lawyer Rolling Meadows accident lawyer Chicago will attorney, social media platforms, Illinois estate planning lawyer, health insurance dispute car accident lawyers Illinois insurance claim dispute lawyer preventable medical errors construction accidents Illinois insurance dispute lawyers Arlington Heights real estate lawyer Barrington employment law attorney pizza emoji Liquor Control Act commercial real estate Palatine personal injury lawyer Affordable Care Act Arlington Heights employment law attorneys BAIID murder charges probate fees Arlington Heights traffic attorney personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys GM ignition switches Crystal Lake business law attorneys traffic violations defense Illinois real estate lawyer cell phone accidents Illinois Probate Act of 1975 Barrington employment law firm Rolling Meadows personal injury lawyers Illinois speeding lawyer foreclosed rental property TBI estate planning attorney modern family estate planning Chicago estate planning lawyer