Two Main Legal Options for Insurance Disputes

Web Admin - Monday, March 21, 2016

legal options for insurance disputes, Illinois Insurance Dispute AttorneysPeople purchase insurance policies to put their minds at rest. However, countless valid claims are denied by insurance companies every year. Many individuals are upset when their insurance company disputes a claim and refuses to pay—insurance companies are in the business of making money, and paying out claims is not a part of their business plan. When you find yourself involved in an insurance dispute with your insurance company, an experienced Illinois insurance dispute lawyer can help you deal with the insurance company and your disputed claim. 

Settlement As a First Option 

The most common approach for handling insurance disputes is to enter into settlement negotiations. A majority of insurance disputes are successfully resolved via settlements. Settlement negotiations begin when your lawyer submits your claim to the insurance company. The insurance company is not interested in paying the full amount of the disputed claim, but may be persuaded into paying a reduced amount of the claim instead. The insurance company will most likely reject your settlement claim; however, it will likely pitch back to you a counter settlement offer. 

After discussing the counter offer with your lawyer, you and your lawyer can then determine if the counter offer is satisfactory or not. If not, you can reject the counter settlement offer and put forth another settlement offer of your own. This process repeats until you and the insurance company come to an agreement, or ultimately decide that a settlement is not going to work. When settlement negotiations fall apart and fail, the dispute must be brought before the courts to be resolved. 

Proceeding to Court As a Second Option

If all else fails, your lawyer can prepare your insurance dispute claim for court. As an initial matter, it is very likely that your insurance policy contains a clause directed to a statute of limitations for bringing an insurance dispute to court. Your lawyer should be able to review your policy and inform you of when you must file the action in court in order to prevent your claim from being time barred under the policy. 

Your case will most likely be based on contract law or the Illinois Insurance Code, both of which your insurance dispute lawyer is highly familiar with. Additionally, your cause of action will most likely be based on a breach of contract (i.e., the insurance company refusing to pay, as per the insurance contract), or a violation of the Illinois Insurance Code. Your insurance dispute lawyer will work closely with you to develop your strongest case against your insurance company so that you can get the claim payout that you need. 

If you are having difficulty with your insurance company refusing to payout a valid claim, please feel free to contact one of our experienced Illinois insurance dispute attorneys today. Our firm serves the communities of Rolling Meadows, Buffalo Grove, Barrington, Inverness, Palatine, Des Plaines, Schaumburg, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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.



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.

Appealing a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

illinois denied insurance benefitsMany people carry life insurance or accidental death and dismemberment (AD&D) policies. These policies, which people can acquire through their employer or on the open market, may pay benefits in cases of accidental death. Unfortunately, life insurance policies comprise an industry worth hundreds of billions of dollars, according to a report by the U.S. Treasury, and insurance companies have strong incentives to pay out as little as they can in benefits.

Often, that means denying legitimate life insurance claims on the basis of a “policy exclusion.” Policy exclusions are exceptions that insurance companies place into contracts that exempt certain situations from qualifying for payment. Common policy exemptions include suicides and deaths occurring within one year of the policy’s start. Companies can use these sorts of exemptions as pretexts for denying the payment of benefits.

Contesting a Denial

Even after the insurance company denies the claim, beneficiaries do have tools to appeal the decision. However, depending on the law governing the insurance policy, the tools may be expansive, or more limited in nature. For instance, plans through a person’s employer are often covered by the Employee Retirement Income Security Act (ERISA). ERISA places strict limits on how appeals take place.

Beneficiaries must appeal the decision through a special ERISA administrator before they can move into the regular court system. Beneficiaries with denied claims would do well to seek out a lawyer before filing their ERISA appeal because the actions that take place at that appeal can have strong impacts on a court case. Courts handling ERISA litigation often use evidence from the appeal when making their decisions. That means that if something is left unmentioned at that stage, it can be very difficult to convince the court to consider it later.

Plans purchased by an individual, rather than provided by an employer, will likely be governed by state law instead of ERISA. While this law is usually less restrictive, individuals should still be cautious when dealing with insurance companies. In state law cases, the beneficiary will likely sue the insurance company in an attempt to prove that their cases does not actually fall into the policy exclusion that the company is claiming.

If you have been the victim of a wrongful denial of a life insurance claim, get a written statement of the reasons for the denial, and seek help from an Illinois insurance attorney. Our firm serves clients across the northwest suburban area, including Schaumburg, Palatine, and Crystal Lake.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Unpaid Claims by Insurance Companies on the Rise

Web Admin - Saturday, November 09, 2013

In recent years, it has become more difficult for policyholders to get paid after submitting a claim to their insurance company. In fact, research done by the Los Angeles Times shows that the amount of money that insurance companies failed to pay on claims more than doubled in the past decade to $372 million.

This increase comes, in part, from insurance companies using aggressive tactics to avoid paying money to deserving people. These tactics include denying payment or cancelling coverage after people make claims, confusing customers until they give up trying to collect on their policies, and delaying payment on valid claims. For many consumers, the best option to protect their rights in the face of these insurance actions is to seek out an attorney experienced in handling unfair insurance claim denials.

Insurance Company Tactics        

One of the most common tricks that insurance companies use to avoid paying for valid claims involves denying their validity, or canceling coverage after the policyholder makes a claim. Insurers often do this by claiming that the policyholder failed to inform them of some piece of information, even if that information had no effect on the reason for filing the claim in the first place. Some companies dealing in health insurance go so far as to examine the medical records of claimants in an attempt to dig up some pre-existing conditions that they can use to cancel the coverage or deny the claim. There have even been cases of insurance companies revoking coverage based on conditions that the company never asked about, or that doctors never diagnosed.

Insurance companies also actively attempt to confuse customers about the extent of their coverage in order to escape paying on claims. The companies’ best tool for this is often their contract. Insurance companies write their contracts with an eye towards keeping them difficult to understand, that way they can fool customers into believing that their policy covers more than it actually does until they file a claim.

Another strategy insurers use involves simply delaying payment of the claim until they give up, or in some cases even pass away. Insurers have many tools to prolong the process of trying to collect on a claim. Some tricks amount to nothing more than a bureaucratic runaround, like sending the wrong paperwork for the policyholder to fill out, but others are more aggressive--like simply waiting to mail the payment until the beneficiary complains. Some insurers delay payments so severely that customers resorted to lawsuits just to get the money the company owed them.

Legal Help for Unpaid Insurance Claims in Illinois

If you have questions about an insurance dispute, contact an Illinois insurance attorney today. Call 847-934-6000 to speak with a member of our team. We work with residents in many communities on these issues, including Chicago, Crystal Lake, Schaumburg, Des Plaines, and more.

Recent Posts


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