DGAA bLAWg

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.


Recent Posts


Tags

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

Archive