Dealing with the insurance company can be one of the most difficult aspects of any car accident claim. In many cases, the claims process can be quite complicated. When the insurance company is working against you, it can make getting the money you need even more of a challenge.
Below, we go into further detail about the various losses the insurance company may be required to cover after your Chicago car accident. We also cover insurance tactics you should be aware of before you get on the phone with an insurance adjuster.
Illinois is a fault state for car accidents, so if you are involved in a car accident, you must file a claim with the at-fault party’s insurance provider in order to obtain compensation. Then, the insurer is obligated to only cover certain losses, such as your medical expenses and the costs of repairing or replacing your vehicle.
Also, the insurance company is required to pay out only up to the limits of its insured’s auto insurance policy. If your car repairs and medical bills exceed these limits, you may need to head to court to obtain full compensation for your losses.
It is important that you expect some pushback from the insurance company when you file a claim. It loses money by paying out on your claim and often tries to settle for less than you might otherwise deserve.
Whether the adjuster asks you to make a statement and then manipulates your words to use them against you or try to tempt you with fast cash that is significantly less than your losses amount to, it is important that you be prepared to negotiate. You can protect yourself in these situations by having your lawyer handle all insurance communication and negotiations.
If you are interested in having an experienced Chicago car accident lawyer at Lane & Lane, LLC handle the insurance company on your behalf and protect you from being taken advantage of in your time of need, schedule a free consultation. You can fill out the online submission form we have included at the bottom of this page or give our office a call at 312-332-1400 to get started on your case.