Author: Phillips Law Offices
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Pre-Settlement Funding for Car Accident Cases in Illinois: Read This Before You Borrow
Considering pre-settlement funding for your Illinois car accident case? Understand the real costs, your rights under 815 ILCS 121, and cheaper alternatives…
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Head-On and Wrong-Way Driver Crashes in Chicago
Wrong-way driver accident in Chicago? Learn about Illinois fault law (625 ILCS 5/11-701), evidence preservation, DUI overlap, and uninsured motorist coverage in…
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Can I Reopen My Claim After Signing a Settlement Release?
A signed release is built to be final, and “my injuries got worse” is not an exception. The narrow openings that do…
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Cook County Mandatory Arbitration for Smaller Car Accident Lawsuits
Cook County routes car accident suits of $30,000 or less into mandatory arbitration in the Municipal Districts. How the hearing works, and…
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When a Child Passenger Is Hurt in a Car Crash: An Illinois Parent’s Guide
A child’s claim is separate from yours, generally runs until two years after their eighteenth birthday, and needs court approval above $10,000.…
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Hit by a City or Government Vehicle in Chicago: The One-Year Deadline
Hit by a government vehicle in Chicago? A strict one-year deadline under 745 ILCS 10/8-101 applies. Learn what to do and who…
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Should I Use My Own Collision Coverage or File Against the Other Driver?
Use your own collision coverage if you need the car fixed now, and the other driver’s insurer only when liability is accepted.…
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Policy Limits Demands in Illinois: When the Insurer Should Pay the Full Amount
Under Haddick v. Valor Insurance, an Illinois insurer’s duty to settle does not arise until someone demands settlement within the policy limits.…
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Dealing With Kemper Auto Insurance After a Chicago Car Crash
Kemper exited preferred auto in 2023 and now writes specialty cover, so a minimum-limits policy is more likely than average. Why establishing…
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Dealing With American Family Insurance After a Chicago Car Crash
American Family writes standard-market policies and sold its non-standard arm in 2025, so there is often more coverage available than first appears.…