When you purchase car insurance, you receive two primary benefits. One is financial coverage in the event of an unforeseeable accident. The other is the peace of mind you enjoy on a daily basis thanks to that coverage. Drivers all across Illinois set aside their anxieties about catastrophically high repair bills after they buy an insurance policy. Unfortunately, even loyal clients who regularly pay their premiums sometimes find themselves in debt after an auto accident, confused about why they were not adequately covered.
The costs of a car accident can be devastating in emotional, physical, and, financial terms. When your insurance company or the company of another driver fails to cover the monetary costs of your accident, the aftermath of the collision can cause you even more pain. The dedicated insurance claims attorneys at Karlin, Fleisher & Falkenberg, LLC understand that receiving adequate compensation for your auto accident can mean the difference between moving on with your life and facing mountains of debt. Our experienced legal team can navigate the complex world of insurance claims and help get you the payments you deserve after a car accident.
Why You Need a Lawyer
If your insurance company or the insurance company of another party involved in your car accident is trying to pay you less than you deserve, you have the right to take legal action to request fair compensation. They may try to get out of it and will likely have a talented legal team of their own, which means that you will fare much better in your legal pursuit with the help of an insurance claims attorney. No one goes through life expecting an accident to happen, and when one does happen, you may be left confused, scared, and upset in addition to having to deal with personal injuries or property damage. If you want to pursue your case to get the full amount you deserve as outlined by your claim, you should hire an experienced attorney to take care of all of the details for you.
You deserve to have a reliable insurance company that follows through on their promises and doesn’t leave you to pay for damages that are not your fault. Insurance companies have a bottom line to meet, and they sometimes try to do this through the manipulation of innocent customers. They know that arguing a claim requires a lot of effort on your part, so they deny claims in the hope that you won’t follow up on them. Don’t let them get away with this. An insurance claims attorney can handle the details of your case so that you can focus on your recovery and getting back to your normal life. Choosing an attorney to manage your case will get you that much closer to acquiring the compensation you deserve. Stressful situations are made much easier with an attorney by your side, and retaining legal counsel also makes you more likely to win your case than if you tried to dispute your insurance claim alone.
Why Choose Us?
Karlin, Fleisher & Falkenberg, LLC is the best option to handle your insurance claims dispute because our attorneys are dedicated to helping right the wrongs that your insurance company committed against you. Insurers shouldn’t be taking advantage of their clients in order to save money. We have been representing the people of Chicago since 1970, and our community trusts us to defend them with dignity and respect. Our clients consistently refer to us as diligent, informative, and brilliant negotiators. We don’t accept the first offer an insurance company sends our way; we hold out until they offer our clients the full amount they deserve to cover their damages. We are proud to say that we have won many multi-million dollar cases, and we promise to handle your case with the same level of care.
As a well-established firm, our reputation is known by many in the field, and our colleagues often refer clients to us. Our track record, years of experience in the area, and our attorneys’ accomplishments speak for themselves. You can trust us to handle your insurance dispute case with the utmost care, and we will do our best to get justice when an insurance company tries to cheat you out of the money that you deserve.
Insurance Claim Issues
Many people trust their insurance company to faithfully follow the terms of their policy after an accident. We tend to forget that these are businesses seeking profits and they may be motivated to pay you less than you deserve to protect their own bottom line. To make matters more difficult, an auto accident can involve more than one driver, which can mean dealing with more than one insurance company. In Illinois, the maximum payment you can receive is often set by the insurance company of the person who holds the majority of the fault for the accident. How can you trust that another business, one that does not get premium payments from you, will treat you fairly?
When your auto accident insurance claim is being handled behind closed doors, it can be impossible to tell whether you are being represented fairly. Individuals with insurance can face many problems as they file their claims. Some common issues include the following:
- The involved insurance companies incorrectly determine your percentage of fault. Since Illinois is a “comparative negligence” state, the monetary amount of your payout depends directly on how much you were at fault for the accident.
- Your insurance company somehow acts in bad faith. Bad faith insurance can occur when a company unjustly denies or reduces your claim.
- Another driver involved in the crash was uninsured or under-insured. Your insurance company might have to be the one to pay you even if you were not at fault.
This last point can be especially challenging to manage without a lawyer. If the other driver is uninsured, they will face legal issues of their own because driving without insurance is illegal in Illinois. However, this also likely means they do not have the funds to pay for the accident they caused. Usually, your insurance will front the bill, but if your insurance plan doesn’t account for uninsured motorists, you will eventually be charged for the damage the responsible party is unable to pay. This is a very difficult and uncomfortable situation to be in, and it is made much more bearable if an experienced attorney is handling all of the details. An attorney may even be able to work with the other party’s lawyer to arrange for repayment over time, but only lawyers have the legal knowledge necessary to balance all of the moving parts between all of the individuals and their respective insurance companies.
There are many things you will have to keep track of in order to have a successful case. For example, before taking official legal action, most people will send something to their insurance company telling them they are not happy with the services they are receiving. If you choose to do this, be clear about what you want, and make sure to keep a copy of the communication for future reference. After your company denies you what you deserve, some additional steps may include:
- Reviewing your automobile insurance policy, as well as the policies of any other individuals involved in the accident.
- Arguing to revisit the decision on the placement of blame, which significantly influences how much each party is responsible for covering.
- Reviewing with an attorney what you are owed for damages, medical bills, rehabilitation, lost wages, and any other losses you may have suffered.
- Reaching a decision on payment responsibilities (if the other driver is at fault and is uninsured).
Filing an insurance claim involves quite a bit of bureaucracy. The details of your accident have to be recorded, evidence has to be collected, your claim has to pass back and forth among departments, and your policy has to be reviewed. Having an insurance claims attorney at your side for this complicated process can give you the assurance you need—you can finally be confident that someone is fighting for you.
The skilled legal team at Karlin, Fleisher & Falkenberg, LLC is ready to put our knowledge and experience to work for you. If you have been in a car accident and are filing an insurance claim, you need someone looking out for your best interests. Call us at 312-346-8620 to discuss your case. We can help you get the payout and the peace of mind you deserve. Visit our vehicle accident page to see all the vehicle cases we fight for.