Marijuana a Rising Factor in Personal Injury Cases

Web Admin - Monday, September 17, 2018
Des Plaines marijuana product liability lawyerNow that 30 states (including Illinois) have legalized marijuana for medical use and nine also allow recreational use, the number of personal injury lawsuits involving cannabis is growing.

Background on the Cannabis Market

Over 100 distinct chemicals, broadly termed phytocannabinoids, are present naturally in the cannabis plant. Currently, two of the best-understood cannabinoids are THC, the psychoactive ingredient that produces a euphoric sensation, and CBD (cannabidiol), which has demonstrated pain-relieving, inflammation-reducing, neuro-protective, and cancer-fighting properties.

As scientists learn more about the way cannabinoids affect the human body and discover new applications for these chemicals, the variety of products made from cannabis is increasing. In fact, the U.S. market for legal cannabis is expected to grow 17% per year through 2028, reaching nearly $50 billion in annual sales. In comparison, U.S. wine sales are estimated at $65 billion. 

With such rapid growth, mistakes are bound to be made, and injuries are likely to result. 

Potential Grounds for Cannabis Personal Injury Lawsuits

Here are a few situations that could be grounds for a personal injury lawsuit against a marijuana producer/distributor: 

- Failure to warn of risks. If a cannabis product has the potential to impair a consumer’s ability to drive, or if it could affect a person’s thoughts or behavior in other ways that could prove dangerous, the packaging should provide appropriate warnings. If such warnings are not provided, and someone suffers an injury as a result, the producer/distributor could be sued for negligence and required to pay compensation to the victim. 

- Misleading or false advertising. If a producer says (in advertising, on packaging, or otherwise) that their product will provide a particular benefit, and the product fails to perform as promised, a consumer could file a lawsuit on the grounds of breach of contract or breach of warranty. 

- Product contamination. Many states do not yet have laws regulating the use of pesticides, fungicides, and other chemicals on marijuana crops, nor adequate procedures to enforce such regulations or test for toxins. Many lawsuits have resulted from contaminated consumables in other industries (e.g., E. coli in ground beef), and there have already been lawsuits against marijuana producers alleging harmful contamination. 

- Unsafe packaging. Marijuana products containing THC should be provided in packaging that is both child-resistant and tamper-evident, just as is required for other medicinal products that have a potential to cause harm. Portion sizes and the amount of THC per portion should also be made very clear on product labels. Defective packaging and foreseeable misuse could become grounds for a lawsuit. 

While the probability of a fatal overdose is near zero, marijuana is an intoxicant, and overconsumption can have serious consequences. Because of the potential for personal injury lawsuits, many states are requiring marijuana businesses to purchase liability insurance, so that funds will be available to compensate consumers for injuries caused by cannabis products.

An Arlington Heights Personal Injury Lawyer Can Help

If you or a loved one has been harmed by a medical cannabis product, consult an experienced Palatine personal injury attorney to discuss the details of your case and possible options for recovering compensation. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC provide skilled representation, working to protect your rights when you have been harmed by an unsafe product. Contact us at 847-934-6000 to schedule a consultation.

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.


Strict Product Liability Claims

Web Admin - Monday, September 21, 2015

When an individual is injured by a product, recovery of damages may be possible through a products liability claim. Under this type of claim, manufacturers, sellers, or other suppliers of products are held liable to consumers who are harmed by those products. And in some cases, product liability claims may fall under the theory of strict liability.

Defective Products

In order to recover under a products liability claim, the plaintiff must show that the product was dangerous or defective. Generally, the law requires that products meet the ordinary expectations of consumers. When a product defect exists, those expectations are not met. A defective product is one that, at the time of its sale or distribution, contains a manufacturing defect, is defective in its design, or that has a marketing defect.

A manufacturing defect occurs when a product is not made according to its intended design. A design defect occurs when the foreseeable risks of harm posed by the product could have been reduced or eliminated by the adoption of a reasonable alternative design. A product contains a marketing defect when it has inadequate instructions or warnings and the foreseeable risk of harm could be reduced by the inclusion of reasonable instructions or warnings. Additionally, the omission of such instructions or warnings must cause the product to be unreasonably dangerous.

Strict Liability

Pursuant to Illinois law, product liability claims are any action based on strict liability brought against the seller, manufacturer, or distributor of a product that causes personal injury. Under this type of claim, a defendant pays for harm caused by a product even though the defendant did not act intentionally or negligently. In other words, the defendant’s actions or behavior is not relevant to the determination of liability. Rather, for a strict liability claim, the plaintiff must show the following:

  1. 1. The injury resulted from a condition or defect of the product manufactured or sold by the defendant;
  2. 2. The condition or defect of the product was unreasonably dangerous; and
  3. 3. The condition or defect existed at the time that the product left the control of the manufacturer.

Product liability claims are commonly brought against the manufacturer of a product, but they may also be brought against:

  • - Manufacturers of component parts that go into a product;
  • - Parties that assemble or install a product;
  • - Wholesalers;
  • - Retail stores that sell a defective product to a consumer; or
  • - Under Illinois law, anyone involved in the placement of a product into the stream of commerce.

Under the statute of limitations, product liability claims must be brought within two years of the date on which the plaintiff knew, or should have known through the use of reasonable diligence, of the personal injury.

Product liability claims can provide compensation for victims, while also holding those involved in the production and sale of defective products accountable. For more information about product liability claims, contact a dedicated Illinois personal injury attorney today. Our firm provides representation throughout the northwest suburbs, in the communities of Crystal Lake, Schaumburg, Palatine, Des Plaines, Rolling Meadows, Buffalo Grove, 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.



Holiday Toy Safety: What Parents Should Know

Web Admin - Wednesday, December 04, 2013

With the holiday season getting into full swing, many parents will soon comb the aisles of toy stores looking for the perfect children’s toys. However, parents should keep in mind that not all toys are safe for all children, and some purchases can result in serious harm to their child. Fortunately, the government and public interest groups make many toy safety resources available, so that parents can get some peace of mind by educating themselves about the dangers of unsafe toys.

Potential Toy Dangers

Children’s toys can present a wide variety of dangers, some obvious, others less so. For instance, sharp edges or points and choking hazards, such as small parts or strings, are common concerns for parents. The government even banned the use of small parts in toys for children under three years old. But, despite this attempt towards prevention, many toys with small parts still make it onto store shelves every year. Doctors recommend that parents take care around any toy with parts that can fit through a toilet paper roll. Additionally, parents should take extra care around small magnets, which often present choking hazards, but may not be regulated as strictly if they come in unusual shapes.

Unfortunately, parents cannot detect all toy dangers so easily. Some toys may contain unacceptably high levels of toxic chemicals that can harm children. Lead is a common hazardous chemical that still finds its way into children’s toys. Though the government attempts to limit the amount of lead in any toy to 100 parts per million (ppm), a report by the Public Interest Research Group (PIRG) found one toy containing 29 times that amount of lead. Other toys could present noise hazards, which the government does not regulate as heavily. These toys, which produce sounds in excess of 85 decibels, can harm children’s ears and lead to hearing loss in some cases.

Safety Resources

Fortunately, many groups publish toy safety guides or lists of harmful toys, like the PIRG report above, that concerned parents can use to learn more about the dangers. The United States Consumer Product Safety Commission (CPSC), puts out many of these guides, including some focusing on specific types of hazard or specific age groups. Additionally, the Illinois Attorney General’s office also publishes a safe shopping guide.

Legal Assistance

If your child sustained an injury playing with an unsafe toy, contact an experienced Arlington Heights personal injury attorney today. Our knowledge can you receive compensation for the injury of your child. We serve many northwest suburban areas including Crystal Lake, Palatine, Chicago, Inverness, and other nearby communities.

Recent Posts


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