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


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