Illinois residents who are injured in any type of accident that may result in a personal injury claim need to understand their rights. Before you speak with an insurance agent, it is imperative for you to speak with a personal injury attorney first. Here are some of the reasons why this is so important:
Insurance company loyalties – insurers are bound by a board of directors and many are publicly owned companies. This means they are in business to make money. One way to keep the company’s bottom line healthy is to pay as little as possible when an insurance claim is filed
Statutes of limitations – Illinois has a two year restriction on when you may file a personal injury claim. Therefore, if an insurer can convince you to not file a lawsuit, your rights may be breached because you did not file a claim in time
One-size fits all offers – many insurers use a program called Colossus which is intended to help an adjuster “weigh” the value of injuries and claims. The company has a stated goal of “cost-containment” which is good for insurers, but not good for those who are injured
Why Contact an Attorney
Whenever you suffer a serious injury, you have the right to file a personal injury claim. Once you have been checked by a physician, an attorney can review your case and determine if you potentially have a claim. Insurance companies will try to minimize their risk by some of the following methods:
Rejecting your claim – insurance companies often reject claims in the hopes the claimant will give up and not file a second time
Establishing negligence – since Illinois is a modified comparative negligence state, insurance companies may suggest you were partially at fault for your injuries
Release of documents
One mistake to avoid is releasing documents to an insurer. When you are injured in any type of accident, you have the right to collect compensation for injuries, medical expenses and time lost from work. Keep in mind, any documents you release to an insurer may result in your claim being reduced or declined. Insurance companies are going to find any way to reduce the amount of money they must pay out in personal injury cases.
If you feel you have a personal injury claim, before you start dealing with insurance companies, contact the skilled Chicago personal injury law firm of Dworkin and Maciariello today at (312) 548-0359. We’ll evaluate your case and help determine if you have grounds to file a personal injury lawsuit.