Category: Insurance Claims
Dealing with insurance companies after an Illinois car accident: claims, adjusters, coverage disputes, and settlement tactics.
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Dealing With Esurance Claims After a Chicago Car Crash
Dealing with an Esurance claim after a Chicago car crash: why Esurance no longer writes policies, how Allstate now handles claims, and…
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Dealing With Mercury Insurance After a Chicago Car Crash
Dealing with Mercury Insurance after a Chicago car crash: how claims are handled, common tactics, and when to get a lawyer involved.
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Dealing With Safeco Insurance After a Chicago Car Crash
Dealing with Safeco Insurance after a Chicago car crash: how claims are handled, the Liberty Mutual brand transition, and when to get…
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The Final Settlement Offer Is Too Low: Should You File a Lawsuit?
When the insurer’s final offer doesn’t cover your damages, here’s how to weigh the cost, time, and uncertainty of litigation against the…
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What If Both Drivers Have the Same Insurance Company?
When one insurer covers both drivers it pays either way, so it has little reason to establish fault accurately. Why a convenient…
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What If the At-Fault Driver Has a Nonstandard Insurer Like The General?
Injured by a driver insured with The General or a similar nonstandard carrier? Learn how these insurers work, Illinois’s 25/50/20 minimums, and…
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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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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…