The most common inquiry I receive goes something like this, “I paid all my premiums and I had ‘full coverage’ and now my insurance company won’t cover my crash, what can I do?”
As I will discuss below, sometimes the insurance company is denying coverage for a good reason; s…
You see the intersection ahead is clear of traffic and you have the green light. You scan for cars that might try to beat the light, make sure there are no pedestrians or cyclists in the intersection. And just as you enter the intersection, a car facing you decides to turn left right in front of…
If you are a bike rider, you recognize how dangerous this activity can be. Some have noted the increased distraction of drivers lately, but there are many causes for the increasingly risky enterprise of operating a bike.
Bike hit by car
Bike hit by dog
Bike hit by person or pedestrian
Bike hit by b…
What are Expert Witnesses?
Let us back up for a moment. The Illinois Supreme Court Rules recognize three types of witnesses. Under Illinois Supreme Court Rule 213, there are “lay witnesses,” controlled by ISCR 213(f)(1). These are, as you would expect, laypersons. They can testify about…
First Job, Second Job, Wage Rates—How Do I Know What I’m Supposed to Receive in Workers’ Comp?
You get hurt at work. You work a second job. Do the wages you earn at job #2 affect your workers’ compensation case against your main employer?
Your second job income should be factored into yo…
Anyone who has ever ridden a bicycle, especially in an urban area, is familiar with the hairs standing on the back of your neck feeling when you are riding along next to a row of parked cars only to have one in front of you suddenly open their door right into your path.
Drivers and passengers have a…
I just got sued. I was in a car crash that was my fault two years ago. Why am I getting sued now and what can I do about it?
If you had automobile liability insurance at the time of the crash, you should have reported it immediately as a claim. That way, the insurer has notice of the crash and p…
My Car is Totaled. Will the insurance company buy me a new one?
When your vehicle is deemed a total loss, it goes through a complex analysis that is governed by the insurance policy itself. Generally, the document gives the insurer the right to determine whether the loss is a total…
Workers’ Comp is paying me, so I shouldn’t need a lawyer, right?
Wrong! That’s what my client Charles thought. He had fallen while working as a supervisor for a major Chicago-based airlines and injured his shoulder. His rotator cuff was torn and he required surgery. He called me but to…
Can My Insurer Charge Me More if I’m a Bad Driver?
Yes it can, if you allow it.
Why would you? Well, many auto insurers are now implementing tracking devices that utilize GPS, telematics and other technology to track how you drive. Based upon that data, this could save you money. Or not.