Insurance Laws Specific to Illinois

Attorney Blog

Auto-accidents are some of the most common accidents on Illinois roads. The results of such accidents range from serious or minor physical injuries, material damage, etc. What usually follows after such accidents is insurance claims aimed at seeking compensation for any form of damages suffered. During the claim process, most parties are vulnerable. Most especially those who suffer physical injuries are probably in the recovery stage or have depleted their finances, taking care of their hospital bills. Therefore it is easy for such a party to take up any settlement amount offered. Our personal injury lawyer Chicago from the law office of Woodruff Johnson & Evans can always assist you with all the legal aid you require to help maximize your benefits. With the knowledge and experience each of our attorneys possesses in insurance law and insurance claims, you have the assurance that your case is being handled by a lawyer with great attention to detail.

What are the limits of insurance that are mandatory?

When it comes to auto-accidents, Illinois is a comparative negligence state. Therefore it is not automatic that a certain party is responsible for the accident hence solely liable for damages. Several parties can be held liable for the accident, including the injured party. Determination of liability is an exercise that requires thorough research; that is why it is in your best interest that you retain a competent Personal Injury attorney Chicago throughout your case. Once a determination of liability has been reached, the claimant will receive compensation less their liability. For example, where it is found that the contributory negligence of the claimant was 20%, the benefits they are bound to receive will be less than 20%.

Underinsured Claims

Most people will be terrified to realize the at-fault party in an accident is under-insured or uninsured. Well, our Chicago personal injury lawyer is at all times, ready to help. In such instances, an injured party has the discretion to launch a compensation claim with their insurer. If the damages from the accident are covered in their policy, then the insurer’s compensation is to the extent of the policy limit. Subsequently, the insurer can institute a claim for recovery of damages from the uninsured party in a civil litigation subrogation case.


Highly recommended!

Highly recommended! Smooth process and great communication. Two thumbs up!   – Marek P.   […]

Big thank you to Attorney DJ Evans

Big thank you to Attorney DJ Evans for helping me with my PI case. Had a terrible car accident which I was not at fault for legally but my car was totaled and I sustained injuries that impacted my work. The at faults insurance tried to manipulate me into taking 2k which was ridiculous for […]

Jay Johnson was fabulous

Jay Johnson was fabulous, he kept me up-to-date and informed of every step. Very happy with his service and I would highly recommend him.       – Dawn S. […]

Very helpful.

Very helpful. I was able to put most of it away into an emergency fund.         – Christine […]

Got a Settlement Quicker Than I Expected and Better Than I Expected!

My second time with Leandro A. at Woodruff Johnson and Evans. Another great job. Didn’t have to talk with work comp at all this time since I told work comp I don’t trust them after the first occurrence with them. Got a settlement quicker than I expected and better than I expected. Thanks to Leandro […]

Attorney Dexter Evans: Professional, Responsive and Took Care of Business. Highly Recommended. You Will Not Be Disappointed!

Dexter Evans handled my case for a motor vehicle incident. I would like to inform you that he was very professional, responsive, and took care of business. Whenever I had a question they were very quick to respond and handled everything for me. If it wasn’t Dexter then Nicole was right there. I highly recommend […]

Go to the Doctor. Do the Tests. Get the Diagnostics. Hire Leandro Alhambra!

Leandro Alhambra took on my workman’s comp case and did a great job getting a good return back. I had him take on the case late (2 years after the incident) and he still was able to provide a good amount of compensation. Advice to anyone reading: go to the doctor, do the tests and […]

Leandro A. Alhambra Fights to Get Every Dollar for his Clients

I used Leandro A. Alhambra for my workmans comp. case. I see in him that he fights to get every dollar for his clients to be satisfied of the […]

Their Office Represented Me Very Well

I felt that their office represented me very well with a very difficult people to deal with. The process took a long time but at the end they were able to close the deal. I want to thank you for the support and ability to answer any and all questions I had during this process. […]

Attorney Leandro “Lee” Alhambra has given me and my family a peace of mind that I am much grateful for.

My experience with Woodruff Johnson & Evans has been a blessing. My attorney Lee has been such a professional but also a friend that has walked me through many of the things that I had no knowledge of or what I should do next. He has given me and my family a peace of mind […]

View All Testimonials

Get Your Free Consultation

"*" indicates required fields

This field is for validation purposes and should be left unchanged.