Vehicle Accident Personal Injury Law Firm Helping with Country Financial Auto Claims for Greater Chicago
Country Financial is a national insurance group headquartered in Bloomington, Illinois, about 135 miles south of Chicago. Like all insurance companies, they suffer from a major conflict of interest with its customers – claim payouts are revenue for you, but expenditures for them.
Country Financial’s slogan, “We Show Up for Our Customers” is technically accurate – it’s just that belittling or denying your claim is often what their representatives do after they show up. When this happens, you are going to need professional representation from a personal injury law firm that has been there before on many, many occasions.
You Only Pay If You Win
Here at Malman Law, we are used to winning personal injury claims – indeed, our success rate is 95 percent for our clients. Because of this, we offer you our Zero Fee Guarantee – you will owe nothing for our services until and unless we win compensation for you. That means that even if you are penniless, you can wait and pay us out of your verdict or settlement.
Verdicts vs. Settlements
A quick and generous settlement is obviously in your best interests, and that is exactly what we will be striving for from the moment we take your case. That is generally what happens, too – since our personal injury attorneys are known and feared by the insurance industry, they settle with us about 95 percent of the time.
Of course, some of the more stubborn insurance adjustors take longer to settle, and some cases take longer simply because of their complex fact patterns. About five percent of the time – that’s one client in twenty – an insurance company will force us to slug it out with them in court. And when that happens, we are ready for action.
Some of Our Success Stories
- “This firm has gone above and beyond to keep me updated and get answers to my questions at any time, weekends included! Malman Law rules in my opinion!” – Cheryl Wagemann
- “Two years ago, I was involved in a trucking accident involving a 14-wheeler truck that nearly disabled me for life. Steve fought to make sure that I received the most possible compensation for my injuries. I was about to take the insurance company’s lowball offer, but decided to call Steve first – it was the best decision I’ve made yet.” – Malman Law Client
Types of Law We Practice
Vehicle accidents: Most serious road accidents are tragically unnecessary, especially those caused by intoxicated drivers. Fortunately, the Illinois mandatory auto insurance law ensures that in most cases you can be fully compensated for an auto accident caused by someone else. Even if the value of your claim exceeds applicable policy limits, there is often a way to obtain compensation.
Nursing home abuse: With over 700 nursing homes in the state of Illinois, including dozens in Chicago alone, a certain amount of nursing home abuse is sadly inevitable. That doesn’t make nursing home abuse any less despicable, however. A good nursing home abuse lawyer will be adept at identifying subtle signs of nursing home abuse.
Medical malpractice: Medical malpractice occurs so often that many people would be afraid to go to the doctor if they saw the statistics. Although not every medical error amounts to malpractice, when professional misconduct is proven, you are entitled to full compensation. You are likely to need assistance, however, because doctors and hospitals can be stubborn defendants.
Slip and fall accidents: Slip and fall accident disproportionately target the elderly. They are most likely to result in an actionable claim when you are a customer in a public establishment or a guest in someone else’s home. Shop owners and homeowners have a legal responsibility to keep their premises safe for visitors.
Product liability: A product liability claim arises when you are injured by a defective product. Although these claims can be complex in nature, one advantage they offer is that in many cases you don’t have to prove fault to win. Another advantage is that the defendant, usually a product manufacturer, is usually able to afford to pay the claim.
Dog bites: Illinois dog owners are responsible for injuries caused by their dogs, even if the dog had never before given its owner reason to believe it had aggressive tendencies. Successful dog bite claims are generally paid out by homeowners or renters insurance policies.
Wrongful death: A wrongful death claim arises when the victim of a personal injury caused by someone else dies from the injuries. An Illinois wrongful death lawsuit is filed by close relatives, and payouts can be quite substantial. Damages are based on losses to the victim (pain and suffering, for example) as well as tangible and intangible losses to the relatives.
Frequently Asked Questions (FAQs)
1) What is “causation” in the context of a personal injury claim?
Causation is one of the four elements – duty, breach, causation, and damages – that you must prove to win a personal injury claim. Since proving negligence establishes only a breach of duty, even proving negligence is not enough to win unless you can prove that the defendant’s negligence actually caused the accident.
2) Can a truck’s “black box” help me win a truck accident case?
Certainly. A truck’s “black box,” or Electronic Control Module, records average speed, maximum speed, cruise control times, braking times, and other data. This data can be used as evidence in court to reconstruct the accident.
3) Are there any special considerations for accidents involving Uber drivers?
Yes. It is difficult to sue Uber itself for the negligence of one of its drivers, because their drivers are considered independent contractors, not employees. Uber does, however, offer relatively generous liability insurance coverage to its drivers, even when they are only on “available” status.
4) What is the likelihood that I am eligible for punitive damages?
Illinois courts are reluctant to award punitive damages, even when the defendant is clearly liable for compensatory damages. Normally, outrageous behavior is required to support a punitive damages award. You might win punitive damages over a DUI accident, for example, or a “road rage” accident.
5) Can you accept a settlement offer without my permission?
No, not unless you authorized us to do so in writing. Violating this prohibition would subject us to disciplinary action, including possible disbarment. We would never do that without your written consent anyway, because it is simply unethical.
6) Are our communications confidential?
Yes, they are. In fact, even a court order is rarely enough to force a lawyer to reveal confidential communications with a client. In fact, we could be disbarred for betraying a client’s confidence, and we would never do so even if there were no penalties.
7) What should I do in the aftermath of an injury accident?
The following steps are critical:
- Contact the police.
- Seek medical attention immediately.
- Gather evidence, including insurance information and contact details for the other driver and any witnesses.
- Report the accident to your own insurance company, even if you are planning on claiming against the defendant’s insurance policy.
8) What are some common mistakes made by personal injury victims?
Some of the most common mistakes made by accident victims include:
- Giving out unnecessary information to the insurance adjustor.
- Delaying medical treatment because you believe that your injuries are minor.
- Failing to collect contact details for witnesses.
- Accepting a quick but inadequate settlement from the insurance company.
9) Can I file a claim over a “whiplash” injury?
Yes, you can. “Whiplash” is a colloquial term used to describe a wide variety of soft tissue injuries. An evidentiary problem you might face filing a claim for whiplash is that they can cause considerable pain even when they are very difficult for a doctor to detect.
10) What are some tips for successful settlement negotiations?
Following are some of the most important negotiating principles:
- Know about how much your claim is worth.
- Know your options (your chances at trial, for example).
- Listen to what the other side is saying (and not saying).
- Bring your lawyer with you!
The first decision you will make in your case will be the decision to make a case out of it – in other words, the decision to fight for your rights. Perhaps you have already made that decision. The second decision is perhaps even more important – the decision of which law firm you invite into your corner. This is no time to flip a coin, because the stakes are simply too high.
At Malman Law, we have been practicing personal injury law all day, every day for over two decades now. We have won literally hundreds of millions of dollars in compensation for over 20,000 injured victims, including many multimillion dollar resolutions. There just isn’t much that we haven’t seen before.
Take the First Step Today
If you believe that you may have an accident compensation claim against Country Financial anywhere in Greater Chicago, call us today or contact us online to schedule your free, no-strings-attached case evaluation. We will have someone waiting to respond to you 24/7. Even if your injuries render you too weak to come to us, we’ll come to you.