Are You Being “Low-Balled” by Your Insurance Company?

Web Admin - Monday, June 26, 2017

You pay your insurance premium religiously and on time because you know you need to protect your investment. Understandably, you expect your insurance company to pay when an accident or catastrophic incident occurs. Then you file the claim, and the offer that comes back seems low – not just a little low, but really low. What do you do? Hopefully, you recognize that your insurance company is low-balling you, and you reach out for legal assistance.

Low-Ball Offers Are Surprisingly Common

Although insurance companies are infamous for their feel-good, family-like slogans, they are for-profit businesses. They do not make their money paying out settlements. They collect premiums, bank on consumers not needing the policy, and employ various strategies to try and decrease the amount they pay out for each claim.

One of the most commonly used approaches is the low-ball offer. Most often, this strategy is employed by the adjuster responsible for handling your claim. Their hope is that you will take the offer they give you and cash the check. Thankfully, you do not have to accept this offer.

Fighting a Low-Ball Offer

There are many ways to fight against a low-ball offer, but assistance from an insurance dispute attorney is often more effective than facing it alone. Versed in the law and insurance claims, a lawyer can reduce the stress of dealing with the insurance company. They can review your case and ensure you have submitted all the appropriate documentation, which may have affected the offer you were given. Your attorney can also protect your interests and negotiate the most favorable settlement possible, sometimes without ever having to go through litigation.

Unfortunately, even attorneys can experience push-back from insurance companies. Thankfully, they have numerous tools and legal processes at their disposal. For example, your attorney may suggest filing a bad faith lawsuit to increase your settlement. (Bad faith is when an insurance company is failing to do its job. A bad faith lawsuit encourages them to do the right thing.) While it might not be the most appropriate path in every case, it could be an option for those who continue to experience low-ball offers, claim denials, and delayed processing of their claims.

Contact Our Rolling Meadows Insurance Dispute Lawyers

At Drost, Gilbert, Andrew & Apicella, LLC, we protect the rights of victims, including their right to pursue full and fair compensation. Dedicated and experienced, our Rolling Meadows insurance dispute lawyers can fight for you. Learn more about how we can assist with your case by scheduling a personalized, no-obligation consultation. Call 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.


Insurers May Be Misusing Cell Phone Data to Deny Consumer Claims

Web Admin - Tuesday, March 21, 2017
American consumers sink millions a year into insurance coverage for their homes, vehicles, and health. The expectation is that faithful and timely payments will cover them if an accident or catastrophic event occurs. Unfortunately, many learn all too late that this is not always the case. Worse yet, some consumers have been implicated in insurance fraud cases. What basis do the insurance companies have for denying these insurance claims? What evidence do they use to press charges against their own customers? The following explains.

Cell Phone Tower Data Leads Denied Claims and Criminal Charges

Insurance companies have been using cell phone tower data to deny claims for some time now, but they have recently escalated matters, often bringing criminal charges against their consumers. An Iowa woman, whose home had caught on fire in 2014, is a prime example.At the time of the fire, the woman claimed to be with her husband and coworkers nearly 17 miles from her home, but the insurance company collected cell phone data that placed her within five to 12 miles of her home. After denying her claim, they filed arson charges and insurance fraud charges against her. She spent the next three years trying to prove that she had not been at home at the time of the blaze.

Thankfully, the woman was eventually acquitted of the charges; she and her lawyer managed proved her innocence using the insurance company’s data against them. Within just minutes of returning to the campsite, she checked her voicemail. During this call, her phone pinged a tower near the campground. Moments later, her mother called. That time, her phone pinged a tower 17 miles away. Minutes later, her husband called, and this time, her phone pinged a tower almost 20 miles away.

What does all this prove? Why does it matter? It is all just another item in the insurance company’s bag of tricks – the one they often use to deny claims. 
This goes beyond mere claim denial, though; it is bullying.

The issue is not reserved for a single company or type of claim either. A California couple is facing criminal charges for insurance fraud after they attempted to file a claim with their insurance carrier, claiming their car had been stolen. Their insurance company claims their cellphones pinged at a tower where the car was later found. Another California couple gave up on their claim after the insurance company started to insinuate they may have somehow been involved in the theft of their car. This is the goal the insurance company hopes to achieve; if they can scare their consumers, they can avoid paying out claims. That, of course, means more money in their pockets.

Protect Yourself While Pursuing Your Insurance Claim

Although you can pursue a new insurance claim or fight a denied one without legal assistance, it is highly advised that you seek experienced counsel. This will not only ensure your rights are protected during the claims process; it can increase your overall odds of reaching a positive outcome in your case. Learn more about how Drost, Gilbert, Andrew & Apicella, LLC can serve you. Call 847-934-6000 and schedule a consultation with our Buffalo Grove insurance dispute lawyers 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.


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.



Bad Faith Insurance Claims

Web Admin - Friday, October 23, 2015

denied insurance claim, Crystal Lake insurance dispute attorney, bad faith insurance claimsIn some instances when a claim is made on an insurance policy, an insured may believe that the insurer has acted in bad faith in settling that claim. Bad faith may occur through a delay in settling an insurance claim as well as the outright denial of the claim. An insurance company that acts in bad faith in the settlement of a claim may be forced to pay the insured for those actions. 

Claims under the Insurance Code 

Under the Illinois Insurance Code (§155), it is possible to recover a statutory penalty, attorney’s fees, and other costs if an insurer fails to fulfill its obligations in an unreasonable manner after a claim is made. 

Specifically, an insured must prove that there was a delay in settling the claim that is vexatious and unreasonable. Determining if the delay is vexatious and unreasonable requires an examination of the totality of the circumstances. Some of the factors that are considered include the attitude of the insurer, whether the insured had to file a lawsuit to recover, and whether the insured was deprived of his or her property for a period of time. 

The amount that may be recovered as a penalty under §155 violations cannot exceed any of the following: 

- Sixty percent of the amount which the court or jury finds the insured is entitled to recover against the insurance company;

- $60,000; and

- The excess of the amount that the court or jury finds the insured is entitled to recover, exclusive of costs, over the amount that the insurance company offered to pay to settle the claim before the action. 

The primary defense to a bad faith claim is that there is a bona fide dispute as to whether a policy provides coverage for the claim. If a bona fide dispute exists, denying or delaying in the handling of the claim is not considered a violation. Further, it has been held in Illinois that conduct of insurers is also vexatious and unreasonable when the insurer presents a legitimate policy defense, a genuine legal or factual issue as to coverage exists, or the insurer takes a reasonable legal position based on an area of law that is unsettled. 

Action that Results in a Violation of §155 

Conduct that leads to a violation of the duty of good faith and fair dealing includes, but is not limited to, the following: 

- Knowingly misrepresenting relevant facts or insurance policy provisions;Not maintaining prompt and regular communication with the insured;

- Refusing to pay a claim (either in whole or in part) that the insurer acknowledges as being due;

- Settling a claim for less than what it is actually worth; and

- Failing to properly investigate a claim. 

Insurance Dispute Attorneys 

If you believe that your insurance claim has been delayed or denied in bad faith, it is important to reach out to an experienced Crystal Lake insurance dispute attorney. Our firm represents individuals in communities such as Schaumburg, Crystal Lake, Palatine, Des Plaines, Buffalo Grove, Rolling Meadows, Barrington, Arlington Heights, Inverness, and Deer Park. 

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.



Insurance Claim After an Automobile Accident

Web Admin - Friday, July 31, 2015

insurance claim, Illinois car accident lawyer, insurance disputeIn a perfect world, we would not need insurance because we would never have any accidents. Unfortunately, we do not live in such a wonderful place. If you have never been involved in an automobile accident, you may not be familiar with the process of making an insurance claim. Though we hope you never have to go through this process, understanding what to expect if you do can be helpful.

Illinois Fault-Based Insurance

When it comes to automobile accidents, Illinois is a fault-based state. This means that whoever is legally at fault for the accident is responsible for paying those individuals injured by the accident. Usually, this means that the at-fault party’s insurance carrier will pay for the damages. An individual involved in an accident caused by another driver has three options:

  1. 1. File a claim with his or her own insurance company, which will then pursue a subrogation claim against the at-fault party’s insurance company;
  2. 2. Pursue a claim directly with the at-fault party’s insurance company; or
  3. 3. File a personal injury lawsuit against the at-fault driver.

Pursuing Insurance Claims

Usually, automobile accidents involve claims with insurance companies. The requirements on automobile insurance are codified under the Illinois Insurance Code. After a claim is filed, a claims adjuster will be assigned to the case. The adjuster may contact the insured person to obtain more information about the accident. In addition, the adjuster may do the following:

  1. 1. Request a copy of the police report;
  2. 2. Contact the other driver involved in the accident;
  3. 3. Contact any known witnesses to the accident;
  4. 4. Inspect the car for damages (this may include the adjuster taking photographs of the vehicle); and
  5. 5. Contact healthcare providers for information in relation to any injury expenses.

If the accident resulted in no injuries, the only issue will be repair to the vehicle. Resolution of claims made for vehicle repairs usually involves one of the following options:

  1. 1. Use a body shop approved by the insurance company: these shops are already approved to perform automobile repair by the carrier; the claimant simply takes his or her car in for an estimate and the work is subsequently completed;
  2. 2. Obtain quotes: the adjuster may request that the claimant take the vehicle to several shops in order to obtain estimates to compare; or
  3. 3. Claimant uses their own shop: claimants may decide to use a shop of their choosing. But, this may result in the claimant having to pay the difference in cost between the shop he or she chooses and what the insurance company determines is the fair price of the work.

If injuries occur as a result of the accident, resolving the insurance claims becomes more complex. It will be necessary for the claims adjuster to receive evidence of all medical bills. This may require the claimant to sign a waiver granting the insurance company access to his or her medical records. Further, personal injury can add significant costs on top of the cost to repair the vehicle. This added cost may make coming to an agreement on who was at fault and for what amounts much more difficult and time-consuming.

Making claims against insurance companies can be difficult and frustrating. For assistance with your insurance claim, call an experienced Illinois insurance dispute attorney at 847-934-6000 today. Drost, Gilbert, Andrew & Apicella, LLC proudly provides representation for individuals throughout the northwest suburbs, in communities such as Crystal Lake, Barrington, Deer Park, Inverness, and Schaumburg.

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


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