DGAA bLAWg

When to Call an Attorney to Solve a Life Insurance Dispute

Web Admin - Wednesday, October 17, 2018
Des Plaines life insurance claim lawyerFollowing a death in the family, you could easily find yourself facing a stack of bills and insufficient income to cover them. This can happen even if you have been a careful money manager. If a life insurance payout does not come quickly enough, you could experience severe financial stress on top of everything else. But how do you know when you need the intervention of a lawyer to help you collect on a life insurance policy? Here are a few warning signs to watch out for:

Has it been more than 30 days since you submitted your claim?


Following a death, you must contact the life insurance company and open a claim. Then, you must submit the death certificate and any other documentation and signatures required by the insurance company. When you have completed the claims process, the company should deliver payment to you within a few weeks. If you have contacted the insurance company several times and still have not received payment after 30 to 60 days, and you have not received a clear explanation for the delay, you may need an attorney’s help to cut through the red tape and put some pressure on the company to approve your claim.

Did you buy the life insurance policy less than two years ago?


Life insurance policies typically include a “contestability” clause that allows for policy cancellation and claims denial if, within two years of issuance, the insurer discovers that any material fact was not disclosed during the application process. If the insured dies within two years of obtaining the insurance policy, their original application and other documentation may be carefully examined to see if there were any “material misstatements or omissions.”
 
For example, if the insured person failed to disclose any medical conditions (e.g., a serious illness such as diabetes, high blood pressure, or depression) or habits (e.g., use of drugs, alcohol, or tobacco), this could lead to a denial of your claim.

The insurance company could spend months evaluating medical records, credit reports, motor vehicle reports, and so on, looking for evidence of a material misrepresentation and a reason to deny your claim. If the two-year contestability period is a factor in your claim, you may need an attorney to speak to the insurance company and convince them that your claim is valid.

Did the insurance company send you a letter of denial?


A life insurance claim may be denied for reasons such as “non-accidental death” or because the policy was rescinded. In many cases, a skillful insurance attorney can help get that denial reversed by conducting an independent investigation of the facts of your case and making a forceful argument to the insurance company.

Consult a Des Plaines Life Insurance Dispute Resolution Attorney 


If you are having problems collecting on a life insurance policy, the intervention of a knowledgeable Palatine life insurance lawyer can help. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC will slice through whatever obstacles are standing between you and your insurance payout as quickly as possible. Contact us at 847-934-6000. We serve clients throughout the northwest suburbs, including Arlington Heights, Buffalo Grove, Crystal Lake, Barrington, and Schaumburg.

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.



Sources:
https://www.aigdirect.com/about-life/managing-your-policy/how-to-file-a-life-insurance-claim
http://illinoisinsurance.org/consumers/news-updates/be-truthful-your-life-insurance-application-protect-loved-on
http://www.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=1249&ChapterID=22

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.

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.


Recent Posts


Tags

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

Archive