DGAA bLAWg

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.


Source:

http://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=021500050K155


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
kca@dgaalaw.com
(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


Tags

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

Archive