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What You Put On Your Auto Insurance Policy Application Can Affect Your Coverage

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…
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Categories: General

Left Turn Crashes and Fault

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…
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Categories: General

Bike Crashes and Why Your Own Insurance Matters

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…
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Categories: General

Expert Witnesses and How They Add to the Cost of Litigation

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…
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Categories: General

Does having a second job affect my Workers' Comp?

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…
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Categories: General

Have you been doored on a bike?

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…
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Categories: General

Can I Be Sued Two Years After a Car Crash?

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…
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Categories: General

My car is totaled. Will the Insurance Buy Me a New One?

My Car is Totaled.  Will the insurance company buy me a new one? Not exactly. 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…
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Categories: General

Workers’ Comp is Paying Me, so Why Get a Lawyer?

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…
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Categories: General

Can My Auto Insurer Track Me?

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. How Does…
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Categories: General

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