Surprise! Your Insurance Company is Not On Your Side

Web Admin - Tuesday, March 07, 2017

Rolling Meadow insurance dispute attorneysIf you are like most consumers, you have seen the feel-good insurance commercials. The insurance companies claim to have only your best interest at heart, and promise to be there when things go wrong. Of course you believe them. After all, you pay your premiums every month. What reason would they have to deny your claim? You might be surprised. 

The Ugly Truth About Insurance Companies

Insurance companies are for-profit businesses, and, like most for-profit companies, they are in the business of making money. They cannot reasonably make money if they are busy paying out claims. So they do everything they can to deny them. 

Some use intentionally confusing wording and obscure clauses that their customers could not reasonably interpret. Others offer rewards to their employees who have the lowest payout quotas. Some will even go so far as to use shady practices, such as locking claims in a safe to delay the process so significantly that the customer eventually gives up. 

Sound unfair? It is! Yet it is an everyday issue within the insurance industry. Thankfully, there are some things that consumers can do to mitigate the risks of having their claim denied. 

Never Handle a Claim Alone

First and foremost, consumers should avoid trying to file a personal injury claim on their own. Instead, they should seek the assistance of an experienced personal injury lawyer. Medical insurance claims are somewhat different since, typically, the doctor or office staff initially submit the claim to the insurance company. Those who need to file a claim against their homeowners insurance should seek guidance from someone other than their insurance company since some have been known to drop their customers for even inquiring about a possible claim. 

If Your Claim is Denied or Delayed

Should you experience a denial or delay of a claim, either because you already filed it without assistance, or because of the insurance company’s shady tactics, it is important that you seek experienced assistance before addressing the issue. 

At Drost, Gilbert, Andrew & Apicella, LLC , we have the knowledge, experience, and resources you need to navigate through an insurance claim denial. Dedicated to your best interest, we will fight to get you and your loved ones the fair settlement that you deserve. Learn more about how our Rolling Meadows insurance claim dispute lawyers can assist with your case. Call 847-934-6000 and schedule a consultation 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.



Appealing ERISA Life Insurance Claim Denial

Web Admin - Friday, August 21, 2015

Illinois insurance dispute lawyerThe Employee Retirement Income Security Act of 1974 (ERISA) governs certain life insurance plans offered by employers. Whether or not ERISA covers an insurance plan is important because it will impact the way in which a claim denial may be appealed. Additionally, claims governed by ERISA have more limited remedy options than under traditional state law.

What is ERISA?

Under ERISA, minimum standards are established for benefit plans offered by employers, including life insurance plans. However, ERISA is only applicable to private employers that offer employer-sponsored insurance (or other benefit plans) to employees. ERISA does not mandate that plans are offered by employers, but does set standards and rules that must be met for those employers that do offer plans. ERISA does not apply to individually purchased, private insurance plans.

Additionally, ERISA does not apply to the following plans:

  1. - A government plan;
  2. - A church plan with respect to which no election has been made under section 410(d) of title 26;
  3. - A plan maintained strictly for the purpose of complying with relevant workers’ compensation laws or unemployment compensation or disability insurance laws;
  4. - A plan maintained outside of the United States for the benefit of nonresident illegal immigrants; or
  5. - An excess benefit plan that is not funded.

Appealing a Claim Denial

The process for appeal begins with the insurance company sending a letter to the claimant explaining that the claim has been denied. A claimant has the right to receive all “relevant documents” to the case, but this must be requested. It is important to request the plan administrator to send these documents. After the claimant has all of the documents and is ready to state his or her case, the request for an administrative review should be made. However, a request for this review must be made within 180 days of the denial of the claim. It is important to note that, under ERISA-governed plans, a lawsuit is not available until an administrative review is conducted.

For the review, the insurance company will provide the reasons for denying the claim. The claimant should respond to these thoroughly and objectively. This is a critical step, because the information provided at this stage will be the information that the judge will review upon appeal in the event that the administrative review is not favorable to the claimant. Similarly, the administrative review is limited to the evidence and medical documents that have been provided to the company.

If the administrative review does not overturn the denial of the claim, the decision can be appealed by filing a federal lawsuit. ERISA does not allow for punitive damage awards or bad faith claims in these types of lawsuits. Additionally, the case is heard and ruled on by a judge, not a jury. As a result of these differences, quite often it can be beneficial to attempt to argue that ERISA does not cover the insurance plan.

Appealing denial of claims governed by ERISA can be complicated. For more information about the process and how an experienced Illinois insurance dispute attorney can help, contact us today. Drost, Gilbert, Andrew & Apicella, LLC proudly provides legal representation for communities such as Des Plaines, Crystal Lake, Palatine, Rolling Meadows, and Barrington.

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.

What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

insurance lawsuit, Palatine insurance lawyerPeople purchase insurance with the goal of protecting themselves in the event that something unfortunate happens. However, no matter how hard people try to understand their policies and the limitations on them, many people face situations where they feel that the insurance company should be compensating them, but the company refuses. When this happens, people have a variety of options.

First, they can enter into an internal appeals process. Most insurance companies have a function that allows other employees of the company to review refusals and determine if they were warranted. If that fails, then the Illinois Department of Insurance also investigates some insurance-related issues. Alternatively, people with issues that neither of those strategies can solve may need to sue their insurance company if they want to see the compensation that they have already paid for. It is important for people to understand the process of a lawsuit and the length of time that it may take. Insurance companies are expert litigators, and they may drag the process out.

Understanding a Lawsuit

The beginning part of the process for filing a lawsuit against your insurance company involves hiring a lawyer and filing a complaint against them. The complaint is a legal document that triggers a lawsuit, and lays out the general allegations against the insurance company. Once this happens, the insurance company is allowed to respond with a document called an answer. The answer takes each fact asserted by the complaint and either confirms or denies them, so that both parties understand what is in dispute. Once this happens your lawyer and the insurance company lawyers will engage in discovery.

Discovery is a legal process in which both sides ask the other side questions to better understand the facts. This is mainly done through requests for documents, written questions called interrogatories that the other side has to answer, and depositions, which are in-person interviews. The majority of lawsuits end at some point during this phase. As more information comes out, both sides begin to understand their chances of winning at trial, and they likely reach a settlement. In the event that there is no settlement, the case moves to trial where both sides' attorneys present their arguments to the judge, who eventually makes the final legal decision.

Your Part in the Process

Not every step in that process will require the client's involvement. Initial interviews will need to be done for the attorney to get a picture of the case, and there will also be periodic conferences as new facts appear or the case moves forward. The most intensive piece that the client will need to do is prepare for a deposition in case the insurance company wants to depose them. This may require working with the client's attorney to better understand the types of questions that they company may ask, so that the deposition goes smoothly.

If you are currently having an issue with an insurance company and would like to file a lawsuit against them, contact a dedicated Illinois insurance dispute attorney today. At Drost, Gilbert, Andrew & Apicella, LLC, we represent clients in many northwest suburban towns including Inverness, Palatine, and Schaumburg.

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.

Recent Posts


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