DGAA bLAWg

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

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

Archive