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

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

Archive