DGAA bLAWg

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.


Sources:

http://www.naic.org/documents/consumer_state_reg_brief.pdf

https://mc.insurance.illinois.gov/messagecenter.nsf


Recent Posts


Tags

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

Archive