Insurance Claim After an Automobile Accident

Web Admin - Friday, July 31, 2015

insurance claim, Illinois car accident lawyer, insurance disputeIn a perfect world, we would not need insurance because we would never have any accidents. Unfortunately, we do not live in such a wonderful place. If you have never been involved in an automobile accident, you may not be familiar with the process of making an insurance claim. Though we hope you never have to go through this process, understanding what to expect if you do can be helpful.

Illinois Fault-Based Insurance

When it comes to automobile accidents, Illinois is a fault-based state. This means that whoever is legally at fault for the accident is responsible for paying those individuals injured by the accident. Usually, this means that the at-fault party’s insurance carrier will pay for the damages. An individual involved in an accident caused by another driver has three options:

  1. 1. File a claim with his or her own insurance company, which will then pursue a subrogation claim against the at-fault party’s insurance company;
  2. 2. Pursue a claim directly with the at-fault party’s insurance company; or
  3. 3. File a personal injury lawsuit against the at-fault driver.

Pursuing Insurance Claims

Usually, automobile accidents involve claims with insurance companies. The requirements on automobile insurance are codified under the Illinois Insurance Code. After a claim is filed, a claims adjuster will be assigned to the case. The adjuster may contact the insured person to obtain more information about the accident. In addition, the adjuster may do the following:

  1. 1. Request a copy of the police report;
  2. 2. Contact the other driver involved in the accident;
  3. 3. Contact any known witnesses to the accident;
  4. 4. Inspect the car for damages (this may include the adjuster taking photographs of the vehicle); and
  5. 5. Contact healthcare providers for information in relation to any injury expenses.

If the accident resulted in no injuries, the only issue will be repair to the vehicle. Resolution of claims made for vehicle repairs usually involves one of the following options:

  1. 1. Use a body shop approved by the insurance company: these shops are already approved to perform automobile repair by the carrier; the claimant simply takes his or her car in for an estimate and the work is subsequently completed;
  2. 2. Obtain quotes: the adjuster may request that the claimant take the vehicle to several shops in order to obtain estimates to compare; or
  3. 3. Claimant uses their own shop: claimants may decide to use a shop of their choosing. But, this may result in the claimant having to pay the difference in cost between the shop he or she chooses and what the insurance company determines is the fair price of the work.

If injuries occur as a result of the accident, resolving the insurance claims becomes more complex. It will be necessary for the claims adjuster to receive evidence of all medical bills. This may require the claimant to sign a waiver granting the insurance company access to his or her medical records. Further, personal injury can add significant costs on top of the cost to repair the vehicle. This added cost may make coming to an agreement on who was at fault and for what amounts much more difficult and time-consuming.

Making claims against insurance companies can be difficult and frustrating. For assistance with your insurance claim, call an experienced Illinois insurance dispute attorney at 847-934-6000 today. Drost, Gilbert, Andrew & Apicella, LLC proudly provides representation for individuals throughout the northwest suburbs, in communities such as Crystal Lake, Barrington, Deer Park, Inverness, 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.

Recent Posts


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