Auto Accidents and Insurance Issues

Any car accident can lead to a host of insurance issues. Insurance companies have teams of adjusters, claims representatives and lawyers on their side. These individuals are tasked with minimizing what the insurance company will pay. If you try to negotiate a settlement with the insurance company on your own, you could unknowingly do severe harm to your case.

For decades, Chicago car accident lawyer Joe Klest of Klest Injury Law Firm has assisted people across the area. Our law firm has the resources and experience to manage all types of insurance issues. The issues below are some of the more common insurance issues.

Uninsured/Underinsured Motorist Claims

According to the Insurance Research Council, nearly one in six drivers do not carry insurance, despite the fact it is required by law. If your accident was caused by an uninsured motorist, you will have to turn to your own insurance policy for compensation. Most drivers in Illinois carry uninsured/underinsured motorist (UM/UIM) coverage. Our law firm will review your policy. If you have UM/UIM coverage, we will negotiate, or if necessary, litigate with your insurance company to help you recover appropriate damages.

Issues Involving Fault-Based Insurance

Under Illinois law, the party who is responsible for the accident is responsible for paying the costs associated with the accident. In the majority of cases, proving fault is relatively easy to do. In some cases, however, you and the other driver could each be partially responsible for the accident. Illinois has a modified comparative fault system. Under a modified comparative fault system, the injured party cannot recover damages if a jury finds that he or she is 51 percent at fault or more. If the other driver is found to be more at fault, your recovery will be reduced by the percentage you are found to be at fault.

Take the following example: You were in an accident with another driver. At trial, the jury finds that you had $100,000 in damages. The jury also finds that the other driver was 70 percent responsible for the accident and you were 30 percent at fault. Therefore, you would be entitled to receive $70,000 in damages.

Contact Klest Injury Law Firm

Call toll free at 866-264-7639 or complete our contact form to schedule your free initial consultation. At Klest Injury Law Firm, we handle all injury and wrongful death claims on a contingent fee basis. You will not pay attorneys' fees unless we are successful in your case.

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