Insurance Claims

Public Policy Protections of Underinsured Motorist

The Policy (Newsletter of the Insurance Law Section Council of the Illinois State Bar Association) Allstate Insurance Company violated the consumer protection purposes of the Illinois Underinsured Motorist Statute when it denied recovery of underinsured motorist to an injured passenger. The Illinois Appellate Court reversed a trial court order that upheld Allstate’s assertion of a… More ›

Uninsured vs. Under Insured Motorists in Illinois

Uninsured and Under Insured Motorist Claims You may have an uninsured motorists claim or an under-insured motorists claim, or you may have a question about what type of claim that you do have. There are similarities between both types of claims, but there are differences that are important to understand. An uninsured motorist claim is a… More ›

What is my injury claim worth?

What’s my personal injury claim worth? How to think about the value of your injury case You have been injured due to someone’s fault and you want to know the value of your injury claim in Illinois. The question is valid. The answer is not simple. The answer cannot be found in a book or… More ›

Am I Covered?

Uninsured, Hit-and- Run, and Underinsured Motorist Coverage in Illinois By Scott A. Blumenshine Copyright © 2014 Introduction You’ve been in an accident through no fault of your own and find out the other driver is uninsured or underinsured. Where do you go next, what do you do? If you have uninsured or underinsured motorist coverage… More ›

What is the value of my uninsured motorist claim?

Your uninsured motorist claim may be worth more than the insurance adjuster tells you Insurance companies want to settle claims for the lowest amount possible. The insurance business strategy is to advertise like mad and then collect insurance premiums. Paying your uninsured motorist claim is not a priority for insurers. Paying claims reduces insurance company profitability…. More ›

Insurance Gobbledygook: Ambiguous insurance policy terms?

Have you ever read an insurance policy? The only time a normal person would ever actually read their insurance policy would be in the event of needing to make or claim, or in the event of a claim denial by their insurance company. If you did read your policy, did you understand all of it?… More ›

Insurance Company Claims Games

Insurance “games”? Insurance is serious business right? You buy insurance for the peace of mind you are provided against unforeseen loss. Insurance company advertisements promise the warm fuzzies of protection to you and your family. And certainly, many claims are paid promptly and fully. Certainly, some claims are without merit and are properly denied. What… More ›

Uninsured and Underinsured Motorist Injury Claims Are Special

Your uninsured (UM) or underinsured (UIM) motorist injury claim is special. Why is your UM or UIM claim noteworthy? Your claim is special because it is against your own insurance company and it owes you a duty of good faith and fair dealing. The insurance company for another driver does not owe you a duty… More ›

When Insurance Companies Refuse To Pay Claims

An all too familiar scenario is an insurance company that fails to pay a legitimate claim for a customer. Americans pay a large amount of money each month to be able to afford the medical care they need. Out of control medical costs are driving insurance companies to have an outright denial policy for every… More ›

Insurance Claims for the General Practitioner: An In-Depth Look At The Law

To fully understand what insurance claims cover, and don’t cover, here in Illinois, we have provided an in-depth look into insurance claims. This will help you see all of the different aspects to an insurance claim and why it’s important to get claims filed correctly. INSURANCE COVERAGE FOR THE GENERAL PRACTITIONER – First Party Insurance… More ›

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