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


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