Insurance Disputes After a Car Accident in Illinois

 Posted on April 05, 2024 in Personal Injury Lawsuits

Dealing with the effects of a car accident can be challenging and stressful, especially when it comes to dealing with insurance companies. Insurance disputes are common, and knowing your rights and how to handle these situations effectively is essential. There are some important steps you can take with an Illinois lawyer to resolve insurance disputes and protect your interests after a car accident.

What to Know About Your Insurance Policy

The first step in handling any insurance dispute is thoroughly reviewing your insurance policy. Familiarize yourself with the coverage types, limits, and any exclusions or limitations. In Illinois, all drivers are required to carry minimum liability insurance, which covers bodily injury and property damage caused to others in an accident. If you have additional coverage, such as collision or comprehensive insurance, understanding your policy will help you know what to expect from your insurer.

Document the Accident and Your Losses

Gather and maintain evidence related to the accident to strengthen your case in an insurance dispute. Take photos of the damage to all vehicles involved and any visible injuries. Obtain a copy of the police report, which can provide valuable information about the circumstances of the crash. Keep detailed records of all medical treatment, repairs, and other expenses incurred as a result of the accident. This documentation will be essential when negotiating with the insurance company.

Communicate with the Insurance Company

After filing your claim, you will likely be contacted by an insurance adjuster. It is important to be cautious when communicating with the adjuster, as their goal is to minimize the company’s payout. Stick to the facts of the accident and avoid admitting fault or discussing the extent of your injuries until you have consulted with an attorney. If you are unsure about any questions or requests from the adjuster, politely decline to answer and refer them to your lawyer.

Know Your Rights Under Illinois Law

In Illinois, it is mandatory for insurance companies to handle claims with good faith. This means they must promptly investigate, communicate, and settle claims in a reasonable manner. If an insurer engages in bad faith practices, such as unnecessarily delaying the claims process or denying a valid claim without proper justification, you may have grounds for legal action. Familiarize yourself with the Illinois Insurance Code and the Illinois Unfair Claims Practices Act to better understand your rights.

Be Prepared for Alternative Dispute Resolution

In some cases, insurance disputes may be resolved through alternative dispute resolution methods, such as mediation or arbitration. These processes involve a neutral third party who helps the insured and the insurance company reach a mutually agreeable settlement. If your case is headed for mediation or arbitration, your attorney can guide you through the process and protect your interests.

Contact a Waukegan, IL Personal Injury Lawyer

Handling insurance disputes requires patience, persistence, and a thorough understanding of your rights. By documenting the accident, communicating carefully with the insurance company, and seeking the guidance of a Lake County, IL personal injury attorney when necessary, you can work towards a fair resolution and obtain the potential compensation you need to move forward after a crash. Call Salvi & Maher, LLP at 847-662-3303 for a free consultation with a team with over 85 years of combined experience.