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


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