Two Main Legal Options for Insurance Disputes

Web Admin - Monday, March 21, 2016

legal options for insurance disputes, Illinois Insurance Dispute AttorneysPeople purchase insurance policies to put their minds at rest. However, countless valid claims are denied by insurance companies every year. Many individuals are upset when their insurance company disputes a claim and refuses to pay—insurance companies are in the business of making money, and paying out claims is not a part of their business plan. When you find yourself involved in an insurance dispute with your insurance company, an experienced Illinois insurance dispute lawyer can help you deal with the insurance company and your disputed claim. 

Settlement As a First Option 

The most common approach for handling insurance disputes is to enter into settlement negotiations. A majority of insurance disputes are successfully resolved via settlements. Settlement negotiations begin when your lawyer submits your claim to the insurance company. The insurance company is not interested in paying the full amount of the disputed claim, but may be persuaded into paying a reduced amount of the claim instead. The insurance company will most likely reject your settlement claim; however, it will likely pitch back to you a counter settlement offer. 

After discussing the counter offer with your lawyer, you and your lawyer can then determine if the counter offer is satisfactory or not. If not, you can reject the counter settlement offer and put forth another settlement offer of your own. This process repeats until you and the insurance company come to an agreement, or ultimately decide that a settlement is not going to work. When settlement negotiations fall apart and fail, the dispute must be brought before the courts to be resolved. 

Proceeding to Court As a Second Option

If all else fails, your lawyer can prepare your insurance dispute claim for court. As an initial matter, it is very likely that your insurance policy contains a clause directed to a statute of limitations for bringing an insurance dispute to court. Your lawyer should be able to review your policy and inform you of when you must file the action in court in order to prevent your claim from being time barred under the policy. 

Your case will most likely be based on contract law or the Illinois Insurance Code, both of which your insurance dispute lawyer is highly familiar with. Additionally, your cause of action will most likely be based on a breach of contract (i.e., the insurance company refusing to pay, as per the insurance contract), or a violation of the Illinois Insurance Code. Your insurance dispute lawyer will work closely with you to develop your strongest case against your insurance company so that you can get the claim payout that you need. 

If you are having difficulty with your insurance company refusing to payout a valid claim, please feel free to contact one of our experienced Illinois insurance dispute attorneys today. Our firm serves the communities of Rolling Meadows, Buffalo Grove, Barrington, Inverness, Palatine, Des Plaines, Schaumburg, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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



What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

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

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

Understanding a Lawsuit

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

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

Your Part in the Process

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

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

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

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.

What to Do if Your Life Insurance Claim is Denied

Web Admin - Tuesday, February 04, 2014

illinois life insurance claim lawyer

The law provides insurance companies with a variety of methods to protect themselves against fraud. Unfortunately, insurance companies may attempt to use these tools to withhold payment on legitimate claims. Two of the common ways that life insurance companies may try to stop beneficiaries from collecting on their claims are by rescission of the policy and denial of the insurance claims
A policy rescission occurs when the insurance company alleges that the person who took out the policy misrepresented material facts about themselves. If successful, this allows the insurance company to withdraw the person’s coverage. Conversely, if an insurance company denies a claim, they do not contest the validity of the whole policy. Instead, they are simply saying that the person’s death fell into an exception in the insurance. While both of these tactics result in a non-payment of the claim, they require different strategies to handle them.

Dealing with Rescission

When an insurance company rescinds a contract, they declare that the entire policy is invalid. One of the most common reasons that an insurance company will give for such a rescission is a “material misrepresentation.” This means that the company claims that the deceased wrongfully answered questions on the application related to things such as their age or medical history. To fight a rescission of this sort, your insurance attorney must prove that the deceased either did not make such a misrepresentation, or that any misrepresentation was not material. 

Fortunately, Illinois law does provide some protection in these circumstances. First, the law requires that the alleged misrepresentation occurred on the actual policy application, and not simply in a conversation with the insurance company. Second, the law forbids insurance companies from rescinding policies more than two years after issuance, except in cases of non-payment of premiums.

Dealing with Denial

An insurance company can deny a claim for several reasons, often because they believe the death falls into a policy exception, or because they believe the person filing the claim is not the proper beneficiary. One common fight over policy exceptions occurs when the insurance company asserts that a person’s wrongful death was actually a suicide, as suicides are ordinarily not covered by life insurance. Overcoming this sort of denial often requires bringing forth evidence to prove that the death truly was an accident.

If you believe that your life insurance policy was improperly revoked or if you had a life insurance claim denied recently, then consider contacting an Illinois insurance attorney today. Our firm handles cases across the northwest suburbs, including in Arlington Heights, Rolling Meadows, and Des Plaines.

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.

Recent Posts


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