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


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