Insurance Lawyer Chicago IL

Handling the Insurance Companies

Insurance Lawyer Chicago IL

When accidents happen, it is vital that you contact a trusted insurance lawyer in Chicago IL. Unfortunately, accidents occur often and will always happen, no matter how careful and diligent you are. When accidents occur, victims who suffer injuries can encounter high medical bills, lost wages, and personal damage. At Childress Loucks & Plunkett, our skillful lawyers are here to help individuals who have been hurt by others. We work diligently to obtain the compensation that our clients deserve, even when insurance companies make this difficult.

Why Hiring a Lawyer is Important

Trying to understand the legal aspects of a personal injury claim can be very stressful and difficult if you are not familiar with the law. Trying to settle an insurance claim or disputing a personal injury case on your own could prove to be impossible without the help from an experienced lawyer. Since 1994, our attorneys have handled the legal and technical complexities of personal injury cases to help countless clients in the Chicago IL region.

Unfortunately, insurance companies do not always have your best interest in mind and may not offer you the compensation that you rightfully deserve. However, having a lawyer on your side may increase your chances of getting higher compensation and make the insurance companies take you more seriously. Our lawyers also understand the two different defenses that insurance companies may try to use in order to not give a fair settlement. These defenses include:

1. Denial of Liability: In this situation, the insurance company argues that you’re making a false claim and that the reported accident did not cause the injuries you are claiming. The insurance company may be trying to dissuade you from fighting them. They might also hope that you will take the first settlement they offer, which is normally pretty low. An insurance lawyer can help you determine what your case is actually worth and if the insurance company is trying to take advantage of you.

2. Denial of Coverage: This is when the insurance company claims that the accident is not covered under their insurance policy. If this occurs, you and your lawyer have the right to validate that statement by seeing a copy of the insurance policy. Even if the insurance does not cover that particular accident, a court audience may interpret the policy in your favor. Hiring an attorney could ultimately determine whether or not you receive fair compensation for your injuries.

Hire an Insurance Lawyer from Childress Loucks & Plunkett

Being the victim of someone else’s mistakes can lead to emotional, physical, and financial personal distress. It is unfair for you to suffer while the insurance company prolongs or denies your valid claim. If you’ve been the victim of deceptive practices while trying to get compensation from an insurance provider, you’ll want to contact an insurance lawyer Chicago IL residents know and trust. Call or email Childress Loucks & Plunkett today to set up a consultation and case evaluation with a team of insurance lawyers who are compassionate, experienced, and determined to get you the compensation you are owed.

When You May Need a Chicago, IL Insurance Lawyer

If you have recently suffered a huge loss in life due to a fire, earthquake, theft or another type of tragedy, you can rely on the knowledge of an insurance lawyer Chicago, Illinois relies on at Childress Loucks & Plunkett. After an unpredictable life event, many people may wonder what their rights are and if their insurance company can be trusted after all. While your insurance company can be a useful resource to assist you when bad things happen, do keep in mind that they must watch out for their own financial interests too. Here in the article to follow, we have provided more information about insurance claims, and how an insurance lawyer in Chicago, IL can be of help during this time.


Conflicting Motives

At one point or another, many people may end up having to turn to their insurance company because of an accident or other calamity. While you may desire a maximum payout for a devastating event, your insurance company may try to keep their expenses to a minimum. It can be frustrating to find out insurance companies do not work as you imagined. Despite paying decent money for coverage each month, you may need a Chicago, IL insurance lawyer at Childress Loucks & Plunkett to help you fight for it.

Communicating with Your Insurer

Talking with your insurer may prove to be way more complicated that you thought. Insurance representatives may appear willing to be of help and support, until you actually submit an insurance claim. People can become understandably frustrated at the lack of assistance from their insurance company. If you have done all you can to inform your insurer about your needs, reaching out to an insurance lawyer Chicago, Illinois trusts at Childress Loucks & Plunkett may be the next best step. It may be time to consider legal representation if any of the following apply to you:

  1. You have written letters or called your insurance company multiple times without a informative response
  2. You feel as though you have hit a wall and are losing your patience
  3. You are concerned about time limits and losing your rights
  4. You have not received your payout at all or to its full potential


Seasoned Trial Lawyers

Insurance recovery lawyers are often trial lawyers at their core. When an insurance company refuses to pay, attorneys are well-prepared to take the matter to the courtroom. Experienced trial lawyers and their support services can build and present your case to a judge or jury at a trial. They often conduct appraisals and arbitrations for insurance clients, where that is necessary or becomes more cost-effective.


Knowledgeable insurance recovery attorneys have negotiated or litigated against most major insurance companies. They work to level the playing field between policyholders and insurance companies. No matter what the jurisdiction, they can help to navigate disputes.


The Claims and Recovery Process

Insurance recovery lawyers can work to balance the claim process, They can also collaborate with adjusters and other industry experts to present a complete claim. Both advocating for the insured’s position and ensuring compliance with the policy requirements after a loss are significant elements of this process.


If an appraisal is an appropriate solution for resolving a claim, experienced attorneys can assist in compelling appraisal, ensuring the process is fair, and seeing that the best monetary award is paid. In some cases, insurance disputes may bypass litigation and be resolved through alternative formal dispute resolution proceedings, such as arbitration and mediation. A courtroom trial is also an appropriate way to seek justice, and insurance recovery attorneys are prepared to go to trial to achieve the desired resolution of a claim. 


Get Experienced and Knowledgeable Help

Insurance recovery attorneys and their team can work behind the scenes and in the courtroom to bring a claim to a favorable outcome. Through years of representing policyholders in coverage litigation, attorneys have gained an in-depth understanding of coverage issues. Through litigating complex cases, insurance recovery attorneys have developed an understanding of the various policy forms, the policy underwriting process, and how insurance companies handle claims. Through settlement or trial, Insurance recovery lawyers know the terrain. The goal is to maximize your insurance coverage, safeguard your rights and best interests, and protect you.


Coast to coast, sea to shining sea, insurance recovery lawyers can help you. Plus, if you need a hand with asset protection, experienced lawyers can evaluate your situation and offer you the best legal options. To get personalized legal assistance, contact an insurance recovery lawyer today to schedule a consultation.


What to Do When the Insurance Company Tells You Not to Get a Lawyer

When you have a personal injury case that requires compensation from an insurance company, it is imperative that you know what you’re doing when speaking with them, so you can obtain the compensation you deserve. Insurance adjusters are trained to ask you certain questions and to say certain things in the hopes that your injuries and damages are minimized so they can pay you less.


When speaking with an adjuster, they may say things to try to convince you that hiring a lawyer won’t be in your best interest, whether they are accepting fault already or not. You will begin to hear these types of comments the more complex your accident or injury was. If you are facing serious losses, especially life-altering and permanent disabilities, a lawyer will know how much you should be paid. Working straight with an adjuster could cause you to settle for pennies on the dollar. They are focused on the profits of the insurance company, not your well-being or fair settlement to cover your medical bills.

Best Tips to Follow

The best guideline when determining if you need a lawyer or not can be based on how serious the injuries are and if there are any potential future medical costs that could add up. Keep these things in mind before speaking with an adjuster:

Anything you say can be used against you

The adjuster will ask you for a recorded statement regarding the accident details, damages and injuries. Any details you provide can be used to reduce your compensation, including casual comments about how your injuries aren’t that bad or that the accident might have been partially your fault. You do not have to give a spoken statement. Your lawyer can help you craft a carefully worded letter instead.

Adjusters are trained to negotiate and can lie

Insurance adjusters are trained negotiators and will attempt to settle with you on the spot. They might even tell you that you only have a limited amount of time to decide and that it’s their “best offer”. They might give you reasons for why the claim is low and their reasons might even make sense to you.

Insurance companies utilize their own doctors

If you allow the insurance company access to your medical records, they could use their own doctors to find pre-existing conditions that could be blamed for your injuries or their severity after an accident. Even if your own doctor says otherwise, they will do their best to contradict their diagnosis.

Keep in mind that the adjusters are hired to keep as much of the insurance company’s profits as possible. It is generally better to consult with an attorney before speaking to an adjuster to ensure you are fairly compensated.

Finding the Right Insurance lawyer in Chicago, Illinois

When browsing around for insurance attorneys to represent your case, there are certain qualities you should look for. Search for professionals that have experience specifically in insurance claims like the insurance lawyers at Childress Loucks & Plunkett. Our offices offer free consultations for new clients, so that can be a great way to get to know your Chicago, IL  insurance lawyer before officially hiring them.
Our team of insurance lawyers at
Childress Loucks & Plunkett can help those in need of protection while going back and forth with their insurance company over a claim. Trying to recover from an accident or other life event, in addition to dealing with a frustrating insurance company can be overwhelming. Please call us today to schedule an appoint to talk further with an insurance lawyer Chicago, IL turns to in their time of need. We hope to hear from you very soon.