DGAA bLAWg

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.


Source:http://articles.chicagotribune.com/1996-02-02/business/9602020322_1_adjuster-coalition-against-insurance-fraud-state-farm


Insurance Disputes Arising from Low Settlement Offers and Lengthy Delays – When Should You Contact an Attorney?

Web Admin - Thursday, September 08, 2016

Rolling Meadows insurance dispute lawyersConsumers purchase insurance to protect themselves from loss after an accident, illness, or tragedy. Some are even required, such as auto insurance. Yet, every day, there are people who find that insurance payouts are not easy to obtain and never guaranteed. In fact, despite having substantial evidence of their loss, many find themselves victimized by insurance companies. They receive low offers and experience lengthy delays that put their financial future at risk. Can an insurance dispute attorney help? The following information may be able to offer some perspective.

Understanding the Nature of Low Settlements, Delays, and Denials

Often, consumers are taken aback by the complications arising out of an insurance claim. They have paid their premium religiously and expected fair treatment – that their claim would be paid in full. After all, the insurance is supposed to cover losses experienced by their clients, right? Sadly, what most consumers do not know is that insurance companies are businesses, and like most businesses, they are focused on making money, not losing it. So, rather than safeguard their clients, they find ways to deny claims. They impose stressful and lengthy delays, hoping consumers will take a lower offer, simply because they are tired of waiting for compensation. In short, they are more concerned with protecting their bottom line than the well-being of their clients.

How Can an Attorney Help, And Do You Need One?

Not every consumer is entitled to full compensation after an accident, illness, or injury. If, for example, an auto accident occurs and the fault is shared between the policyholder and another driver, the settlement amount may be lower. However, you may not be as responsible in the accident as the insurance company claims. Their investigators usually examine your case with a bias, searching for any information that will rule in their favor. In other instances, the delays and low offers may be a matter of trying to settle for a lower amount, keeping more of your money in the pocket of the insurance provider. How can you tell the difference?

While claimants often suspect they are being offered a low settlement or experiencing unnecessary delays, but it usually requires an evaluation from an insurance claims dispute lawyer to tell for certain. So, if you have any doubts that your claim is being handled fairly, be sure to contact one with your case. They step in and negotiate with the insurance companies, ensuring your rights as a consumer are protected. They negotiate the most favorable settlement possible. Further, an insurance dispute attorney can help prevent or dispute a wrongful denial of your claim.

Contact Our Experienced Insurance Dispute Lawyers

At Drost, Gilbert, Andrew & Apicella, LLC, we protect the rights and interests of our clients. We fight against the injustices they experience during the insurance claims process and assist them in seeking the compensation that they deserve. Our Rolling Meadows insurance dispute lawyers make you and your case our top priority. Ask how we can help with your insurance dispute case by scheduling a consultation. Call us 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.torontosun.com/2013/05/25/disability-insurance-more-delay-and-deny-benefits-tactics

Tips For When Your Insurance Provider Says Your Claim Is Not Covered

Web Admin - Friday, July 15, 2016
Illinois insurance dispute attorneys
Most people shell out hundreds, if not thousands, of dollars to pay insurance premiums in order to have some financial protection if something bad happens to them. The typical person has at least automobile insurance, homeowner’s insurance, or renter’s insurance. But it is common to have several other types of insurance as well. For instance, many people have life insurance policies, or insurance on their boats or other large assets, and many professionals are required to carry malpractice insurance. Regardless of what type of insurance it is, when a claim gets denied by your insurance provider, it can be a major inconvenience for you.

What Drives The Insurance Companies? 

Insurance companies make money by not paying out claims, or paying out less on a claim than they really should. This is what motivates insurance companies to deny claims more frequently than is actually warranted. When in doubt, insurance companies will make a denial, which causes the claimant to either let the claim go (and thus the insurance company saves money by not paying out the claim) or fight the denial. Many claimants choose to fight their insurance company’s denial of their claim. An experienced insurance disputes lawyer can help you with your insurance dispute.  

Tips For Fighting An Insurance Denial 

You do not have to take the insurance company’s denial as the final word on the matter. You can challenge the denial. Below are a few tips for dealing with a denied insurance claim.   

1. Verify the denial of your insurance claim: When insurance companies deny a claim, they usually provide a reason for why they are denying the claim. You and your insurance dispute lawyer need to verify that the denial is appropriate. You may find that the insurance company is not honoring the terms of the insurance policy, and that the insurer is actually obligated to pay out on the claim. 

2. Verify all of the policy information: It is possible that the insurance company has you confused for another claimant who holds a different insurance policy. Make sure that the denial of your claim is based on your information and your policy. 

3. Use an insurance dispute attorney to handle your denied claim: An insurance dispute lawyer will have experience working with insurance companies, and will be able to tell if the insurance company has made a proper denial of a claim, made a mistake, or is deliberately making a bad faith denial of your claim. Your lawyer will be able to dispute the denial, can negotiation a settlement with the insurance company on your behalf, and can bring legal action against the insurance company for bad faith, breach of contract, and any other applicable claims under the Illinois Insurance Code. 

When insurance companies are wrongly denying your insurance claim, you need to fight to hold them accountable for the claim. Please feel free to contact one of our experienced Illinois insurance dispute attorneys today regarding your specific circumstances. Our firm serves the communities of Rolling Meadows, Inverness, Deer Park, Schaumburg, Barrington, Des Plaines, Crystal Lake, Buffalo Grove, Barrington, Arlington Heights. 

Source: http://www.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=1249&


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




Appealing 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.

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.

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

illinois insurance agent negligence lawyerInsurance agents often act as a person’s main point of contact throughout the process of procuring an insurance policy. This means people are relying on insurance agents to do their job thoroughly, carefully, and professionally. To that end, the law imposes a duty of reasonable care on insurance agents to ensure that they perform their jobs accurately. 

The fact that agents have this duty means that if the agent harms a customer through their negligence, they may be liable to that customer in court for the damage that their insurance negligence caused. Generally speaking, these sorts of claims for negligent errors and omissions come in two forms: improperly filing or filling out insurance paperwork, and failure to properly counsel the client on the type of insurance they need.

Types of Insurance Agent Negligence

Insurance agent negligence often occurs in an agent’s clerical capacity. An agent must exercise reasonable care in the filling out of insurance paperwork to make sure that the insurance company provides coverage and that the policies are properly updated. An example of this sort of negligence in the realm of car insurance would occur if a person wanted to add someone to their insurance policy, and yet after informing the agent, the agent never properly filed the paperwork to add them to the policy. If the new person, who should be covered under the insurance, was in a car accident, the agent would be liable for the person’s lack of coverage.

Insurance agents also have a duty to exercise ordinary care when advising clients about the types of policy they need, along with possible limits and exemptions of the policy. This claim comes up often in the case of policy exclusions, which are special circumstances in the insurance policy for which the company refuses to pay. These exemptions can often be long and complex, which means that the insurance agent may be liable for negligently advising the customer if they do not make the exclusions clear. 

For an example of this, consider a person buying homeowner’s insurance who explicitly wants coverage for every item in their home in the case of a fire. If an agent provides them a policy that excludes jewelry or some other class of property, the insured might have a claim against the agent for negligent errors and omissions.

The Statute of Limitations

Statutes of limitations are time limits that the law places on people looking to file lawsuits. In the case of insurance agent negligence, Illinois law limits people to two years to file the suit once the person has a cause of action. However, that time limit can be deceptively complicated since it does not say when a person has a cause of action. Generally, courts start the clock running once the insurer first takes a position that runs against the insured’s expectations. That can mean in some cases the insured needs to act quickly, since it is possible that their underlying insurance case will not even be finished before the statute of limitations related to the agent expires.

If you believe you have been the victim of insurance agent negligence, find an Illinois insurance attorney near you. They can help protect your rights in court and ensure that you recover fair compensation for the harm done by negligent insurance agents. Our firm represents people across the northwest suburban area, in towns like Rolling Meadows, Buffalo Grove and Barrington.

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

Appealing a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

illinois denied insurance benefitsMany people carry life insurance or accidental death and dismemberment (AD&D) policies. These policies, which people can acquire through their employer or on the open market, may pay benefits in cases of accidental death. Unfortunately, life insurance policies comprise an industry worth hundreds of billions of dollars, according to a report by the U.S. Treasury, and insurance companies have strong incentives to pay out as little as they can in benefits.

Often, that means denying legitimate life insurance claims on the basis of a “policy exclusion.” Policy exclusions are exceptions that insurance companies place into contracts that exempt certain situations from qualifying for payment. Common policy exemptions include suicides and deaths occurring within one year of the policy’s start. Companies can use these sorts of exemptions as pretexts for denying the payment of benefits.

Contesting a Denial

Even after the insurance company denies the claim, beneficiaries do have tools to appeal the decision. However, depending on the law governing the insurance policy, the tools may be expansive, or more limited in nature. For instance, plans through a person’s employer are often covered by the Employee Retirement Income Security Act (ERISA). ERISA places strict limits on how appeals take place.

Beneficiaries must appeal the decision through a special ERISA administrator before they can move into the regular court system. Beneficiaries with denied claims would do well to seek out a lawyer before filing their ERISA appeal because the actions that take place at that appeal can have strong impacts on a court case. Courts handling ERISA litigation often use evidence from the appeal when making their decisions. That means that if something is left unmentioned at that stage, it can be very difficult to convince the court to consider it later.

Plans purchased by an individual, rather than provided by an employer, will likely be governed by state law instead of ERISA. While this law is usually less restrictive, individuals should still be cautious when dealing with insurance companies. In state law cases, the beneficiary will likely sue the insurance company in an attempt to prove that their cases does not actually fall into the policy exclusion that the company is claiming.

If you have been the victim of a wrongful denial of a life insurance claim, get a written statement of the reasons for the denial, and seek help from an Illinois insurance attorney. Our firm serves clients across the northwest suburban area, including Schaumburg, Palatine, and Crystal Lake.

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

Unpaid Life Insurance Benefits are a Billion Dollar Problem

Web Admin - Thursday, January 23, 2014

By Ken Apicella
kca@dgaalaw.com
(847) 934-6000

A recent probe of insurance companies conducted by New York State’s Department of Financial Services revealed that, nationwide, insurance companies failed to pay an estimated $1.1 billion in life insurance to beneficiaries. The issue stems, in part, from a lack of communication between policyholders and beneficiaries. If the policyholder never informed the beneficiary that they took out a life insurance policy, the beneficiary would not know to file a claim. This causes problems because insurance companies rely on beneficiaries to report when someone dies in order to claim their benefits.

At least, that used to be the case. Following this probe and similar investigations across the country, including in Illinois, insurers are starting to follow a different set of rules. For instance, in New York, Governor Cuomo signed a law that requires insurers to make routine searches of a death database in order to determine if any new deaths matched policyholders, so that they could start the process of finding that person’s beneficiary.

The Governor introduced this law in order to put to rest the apparently common practice of using such databases to track the deaths of people to whom the insurance company owes monthly checks, without using those same databases to track the deaths of policyholders.

The investigation also prompted more stringent enforcement of rules requiring insurers to turn unpaid benefits over to the state in some circumstances. Many states run unclaimed property departments. These departments hold on to the property, and then it becomes the beneficiary’s burden to track it down. Fortunately, with some careful planning, policyholders and beneficiaries can avoid problems like this.

The easiest way to make sure your loved ones do not have to spend time tracking down an insurance policy is with communication. If you take a life insurance policy out on yourself, tell the beneficiary. While some people can find it unpleasant to discuss or difficult to go into the details of how much they chose to purchase, you do not need to do that. It does not have to be a long, drawn-out conversation. Even just letting them know that you took out a policy, as well as which insurance company they should talk to if necessary, can be helpful.

If you have found yourself involved in an insurance dispute, contact a Palatine insurance attorney today. Call 847-934-6000 to speak to a member of our team. We serve many northwest areas including Rolling Meadows, Chicago, Crystal Lake, Inverness, and other nearby communities.

Unpaid Claims by Insurance Companies on the Rise

Web Admin - Saturday, November 09, 2013

In recent years, it has become more difficult for policyholders to get paid after submitting a claim to their insurance company. In fact, research done by the Los Angeles Times shows that the amount of money that insurance companies failed to pay on claims more than doubled in the past decade to $372 million.

This increase comes, in part, from insurance companies using aggressive tactics to avoid paying money to deserving people. These tactics include denying payment or cancelling coverage after people make claims, confusing customers until they give up trying to collect on their policies, and delaying payment on valid claims. For many consumers, the best option to protect their rights in the face of these insurance actions is to seek out an attorney experienced in handling unfair insurance claim denials.

Insurance Company Tactics        

One of the most common tricks that insurance companies use to avoid paying for valid claims involves denying their validity, or canceling coverage after the policyholder makes a claim. Insurers often do this by claiming that the policyholder failed to inform them of some piece of information, even if that information had no effect on the reason for filing the claim in the first place. Some companies dealing in health insurance go so far as to examine the medical records of claimants in an attempt to dig up some pre-existing conditions that they can use to cancel the coverage or deny the claim. There have even been cases of insurance companies revoking coverage based on conditions that the company never asked about, or that doctors never diagnosed.

Insurance companies also actively attempt to confuse customers about the extent of their coverage in order to escape paying on claims. The companies’ best tool for this is often their contract. Insurance companies write their contracts with an eye towards keeping them difficult to understand, that way they can fool customers into believing that their policy covers more than it actually does until they file a claim.

Another strategy insurers use involves simply delaying payment of the claim until they give up, or in some cases even pass away. Insurers have many tools to prolong the process of trying to collect on a claim. Some tricks amount to nothing more than a bureaucratic runaround, like sending the wrong paperwork for the policyholder to fill out, but others are more aggressive--like simply waiting to mail the payment until the beneficiary complains. Some insurers delay payments so severely that customers resorted to lawsuits just to get the money the company owed them.

Legal Help for Unpaid Insurance Claims in Illinois

If you have questions about an insurance dispute, contact an Illinois insurance attorney today. Call 847-934-6000 to speak with a member of our team. We work with residents in many communities on these issues, including Chicago, Crystal Lake, Schaumburg, Des Plaines, and more.


Recent Posts


Tags

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

Archive