DGAA bLAWg

Understanding Your Rights During an Insurance Claim Dispute

Web Admin - Thursday, August 24, 2017

Illinois insurance dispute lawyersFew things are as frustrating and confusing as a denied or reduced insurance claim payout – but did you know that you can dispute the decision? Additionally, consumers have certain rights, afforded to them by law, when dealing with their insurance companies. Learn more about those rights, and how an experienced insurance dispute attorney can assist with the appeals process, with help from the following information.

Your Right to Appeal a Decision

Regulated by the state of Illinois, insurance companies cannot force you to take a low settlement, nor can they prevent you from appealing their decision to deny a claim. Instead, you have the right to dispute your offer or denial. Typically, this is first done over the phone or in writing. Unfortunately, insurance agents and brokers can make things sound more complicated than they really are, and they may even dismiss your attempts at a resolution. As such, it is highly recommended that consumers turn to someone with an understanding of the complex and nuanced insurance laws - someone like an experienced insurance dispute lawyer. 

Your Right to an Expedient Resolution

Although insurance companies can (and often do) attempt to delay payouts, they are required to expediently resolve your claim. If they cannot do this, they must provide you with a reason for the delay. Of course, insurance companies can give almost any reason for a delay – even a seemingly frivolous one – and expedient under the law may not mean the same thing as a quick settlement after an accident (especially when you are out of work or disabled). As such, consumers are encouraged to seek assistance from an experienced insurance dispute lawyer.

Your Right to Fair Processing of a Claim

While in the process of filing a claim, or when trying to file a dispute, it might appear that the insurance companies are trying to complicate things as much as possible. However, laws forbid them from forcing you into unnecessary steps or paperwork. They also cannot force you to accept a settlement to receive the payout on another one (i.e. if your home and auto insurance are covered by the same company), and they cannot discriminate you based on ethnicity, gender, age, or other protected statuses. If you believe your insurance company is treating you unfairly, you not only have the right to appeal their decision, but you may also file a complaint.

Contact Our Des Plaines Insurance Dispute Lawyers

If you or someone you love is facing a denied, delayed, or reduced insurance claim, contact Drost, Gilbert, Andrew & Apicella, LLC for assistance. Highly experienced and dedicated to your best interest, our Des Plaines insurance dispute lawyers will fight for the most favorable outcome possible. Learn more by scheduling a personalized consultation. Call our offices at 847-934-6000 today.


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:

http://www.naic.org/documents/consumer_state_reg_brief.pdf

https://mc.insurance.illinois.gov/messagecenter.nsf


Recent Posts


Tags

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

Archive