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
(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


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