What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

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

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

Understanding a Lawsuit

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

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

Your Part in the Process

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

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

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

How to Handle a Denied Insurance Claim in Illinois

Web Admin - Tuesday, May 13, 2014

illinois denied insurance attorneyPeople purchase insurance coverage to protect themselves when something goes wrong. Depending on the type of insurance, claims can be paid out for health issues, auto accidents, home repairs, or deaths in the family, among other things. These are already stressful events. A denied insurance claim merely serves to add more stress and difficulty to an already trying situation. The reasons for such a denial can be varied and depend on the type of insurance in question, but in these situations consumers have options available to them to contest the insurance denial.

Reasons for a Denial

The reasons for an insurance company to deny a claim on a policy vary greatly between different types of insurance. For instance, a company providing a life insurance policy may reject a policy claim based on a belief that the person’s death was actually a suicide, or a company providing health insurance could reject a claim made for a specific treatment by arguing that the treatment was not actually medically necessary. However, there are also some grounds for a denial that span across the insurance industry. One of the most common is a “material misrepresentation,” which means that the company believes that the policyholder lied or withheld important information during the application for a policy.

Exactly what qualifies as a material misrepresentation changes from industry to industry. Health or life insurance companies would argue that hiding a prior medical condition may be a material misrepresentation, while an auto insurance company would be more concerned with a past accident. Furthermore, any of these reasons could just be a pretext for a “bad faith” denial, which means that the insurance company privately believes that the policyholder has a valid claim, and simply does not want to part with its money.

Contesting a Denial

Policyholders facing a denied claim do have options available to them. The process will likely begin with the insurance company’s internal appeals process. This may involve letter writing, phone calls, or in-person interviews where the policyholder explains their position. It can be advantageous to consult a lawyer at this point for two reasons.

First, the insurance company may have lawyers involved at this stage, so it evens the playing field. Second, if the issue does proceed to a lawsuit, the lawyer will already know the case’s history and they may be able to prevent early missteps that would cause problems in litigation, which would be the next step if the internal appeals fail. The one exception to this is in the case of health insurance. Illinois recently passed a law allowing policyholders to apply for an independent external review in the case of a denied health insurance claim.

If you are dealing with a denied insurance claim, you do not need to do it alone. Reach out to a skilled Schaumburg insurance dispute attorney today. Our team represents clients across the northwest suburbs, including in towns such as Crystal Lake, Arlington Heights, and Buffalo Grove, Illinois.

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

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

illinois insurance agent negligence lawyerInsurance agents often act as a person’s main point of contact throughout the process of procuring an insurance policy. This means people are relying on insurance agents to do their job thoroughly, carefully, and professionally. To that end, the law imposes a duty of reasonable care on insurance agents to ensure that they perform their jobs accurately. 

The fact that agents have this duty means that if the agent harms a customer through their negligence, they may be liable to that customer in court for the damage that their insurance negligence caused. Generally speaking, these sorts of claims for negligent errors and omissions come in two forms: improperly filing or filling out insurance paperwork, and failure to properly counsel the client on the type of insurance they need.

Types of Insurance Agent Negligence

Insurance agent negligence often occurs in an agent’s clerical capacity. An agent must exercise reasonable care in the filling out of insurance paperwork to make sure that the insurance company provides coverage and that the policies are properly updated. An example of this sort of negligence in the realm of car insurance would occur if a person wanted to add someone to their insurance policy, and yet after informing the agent, the agent never properly filed the paperwork to add them to the policy. If the new person, who should be covered under the insurance, was in a car accident, the agent would be liable for the person’s lack of coverage.

Insurance agents also have a duty to exercise ordinary care when advising clients about the types of policy they need, along with possible limits and exemptions of the policy. This claim comes up often in the case of policy exclusions, which are special circumstances in the insurance policy for which the company refuses to pay. These exemptions can often be long and complex, which means that the insurance agent may be liable for negligently advising the customer if they do not make the exclusions clear. 

For an example of this, consider a person buying homeowner’s insurance who explicitly wants coverage for every item in their home in the case of a fire. If an agent provides them a policy that excludes jewelry or some other class of property, the insured might have a claim against the agent for negligent errors and omissions.

The Statute of Limitations

Statutes of limitations are time limits that the law places on people looking to file lawsuits. In the case of insurance agent negligence, Illinois law limits people to two years to file the suit once the person has a cause of action. However, that time limit can be deceptively complicated since it does not say when a person has a cause of action. Generally, courts start the clock running once the insurer first takes a position that runs against the insured’s expectations. That can mean in some cases the insured needs to act quickly, since it is possible that their underlying insurance case will not even be finished before the statute of limitations related to the agent expires.

If you believe you have been the victim of insurance agent negligence, find an Illinois insurance attorney near you. They can help protect your rights in court and ensure that you recover fair compensation for the harm done by negligent insurance agents. Our firm represents people across the northwest suburban area, in towns like Rolling Meadows, Buffalo Grove and Barrington.

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

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


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