Understanding Your Rights During an Insurance Claim Dispute

Web Admin - Thursday, August 24, 2017

Illinois insurance dispute lawyersFew things are as frustrating and confusing as a denied or reduced insurance claim payout – but did you know that you can dispute the decision? Additionally, consumers have certain rights, afforded to them by law, when dealing with their insurance companies. Learn more about those rights, and how an experienced insurance dispute attorney can assist with the appeals process, with help from the following information.

Your Right to Appeal a Decision

Regulated by the state of Illinois, insurance companies cannot force you to take a low settlement, nor can they prevent you from appealing their decision to deny a claim. Instead, you have the right to dispute your offer or denial. Typically, this is first done over the phone or in writing. Unfortunately, insurance agents and brokers can make things sound more complicated than they really are, and they may even dismiss your attempts at a resolution. As such, it is highly recommended that consumers turn to someone with an understanding of the complex and nuanced insurance laws - someone like an experienced insurance dispute lawyer. 

Your Right to an Expedient Resolution

Although insurance companies can (and often do) attempt to delay payouts, they are required to expediently resolve your claim. If they cannot do this, they must provide you with a reason for the delay. Of course, insurance companies can give almost any reason for a delay – even a seemingly frivolous one – and expedient under the law may not mean the same thing as a quick settlement after an accident (especially when you are out of work or disabled). As such, consumers are encouraged to seek assistance from an experienced insurance dispute lawyer.

Your Right to Fair Processing of a Claim

While in the process of filing a claim, or when trying to file a dispute, it might appear that the insurance companies are trying to complicate things as much as possible. However, laws forbid them from forcing you into unnecessary steps or paperwork. They also cannot force you to accept a settlement to receive the payout on another one (i.e. if your home and auto insurance are covered by the same company), and they cannot discriminate you based on ethnicity, gender, age, or other protected statuses. If you believe your insurance company is treating you unfairly, you not only have the right to appeal their decision, but you may also file a complaint.

Contact Our Des Plaines Insurance Dispute Lawyers

If you or someone you love is facing a denied, delayed, or reduced insurance claim, contact Drost, Gilbert, Andrew & Apicella, LLC for assistance. Highly experienced and dedicated to your best interest, our Des Plaines insurance dispute lawyers will fight for the most favorable outcome possible. Learn more by scheduling a personalized consultation. Call our offices at 847-934-6000 today.

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




Recent Posts


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