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Hartford Insurance

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Dedicated Hartford Insurance Group Lawyers in Chicago

A Personal Injury Law Firm Serving Greater Chicago and Illinois

The Hartford Insurance Group sits just outside of the top 10 players in the gigantic U.S. auto insurance market. Despite the millions of dollars it pays out in claims every year, the bottom line is that The Hartford operates just like every other for-profit business – it attempts to maximize revenue while minimizing expenditures. And, paying your auto accident claim is an expenditure that cuts into its profits.
When you are injured in an accident caused by another driver, you will face one of two possible scenarios: Making a third-party claim against the defendant’s insurance policy, or making a claim against your own insurance policy (if the defendant was uninsured, for example). There are two mistakes that you can make when you have a sizeable claim against The Hartford for an injury auto accident – attempting to negotiate with them yourself, and retaining substandard legal representation to do it for you. Negotiating insurance claims is what insurance companies do for a living, and they know exactly what they are doing. It is not enough, however, to hire a lawyer who knows how to negotiate auto accident claims. Insurance companies laugh at lawyers who know how to negotiate but lack the skills to enforce their claims in court, because negotiating skills are useless without the ability to actually compel an insurance company to pay if it refuses to raise its offer. The Hartford Insurance Group knows about Malman Law from years of experience resolving claims with us – and they’re not laughing. That is one of the reasons, ironically, that we settle 95 percent of our clients’ claims out of court. The term “95 percent” has two meanings at Malman Law – it represents the percentage of our clients’ claims that are settled out of court, and it also represents the percentage of our cases that are ultimately successful. Furthermore, our success rate is based on more than 20,000 personal injury clients over two decades of practice. Our track record is one of the reasons why we offer our Zero Fee Guarantee – if we don’t win, you don’t pay us a dime in legal fees. Moreover, any legal fees we charge you will be proportionate to the amount we recover for you. Unlike the relationship between you and The Hartford (where they make money only by diminishing your claim), your interests will be harmonious with ours. We understand that your main concern is to receive a recovery as fast as possible without having to settle for an amount that is less than your claim is worth, and that is what we will be aiming for from the moment we take your case. We will not hesitate to fight it out in court, however, if The Hartford insists on being stubborn.

Our Results Speak for Themselves

“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

Practice Areas

  • Vehicle accidents: A traffic accident can turn your life upside down in an instant. In most cases, however, accidents don’t “just happen” – they are caused by careless behavior such as texting while driving, speeding, drunkenness, and aggressive driving. Even if the accident was partly your fault, you may still be entitled to at least some compensation.
  • Nursing home abuse: Symptoms such as fractures, bedsores, and even emotional problems can point to nursing home abuse. Since nursing homes are governed by  comprehensive regulations at both the state and federal level, tracing such symptoms to a regulatory violation is often crucial to establishing liability.
  • Workers’ compensation claims: Workers’ compensation rules generally apply to occupational injuries. These types of claims offer both advantages and disadvantages over ordinary personal injury claims. It is not necessary to prove employer negligence, for example; yet, damages for “pain and suffering” are prohibited. Our lawyers fully understand the Illinois workers’ compensation bureaucracy and know how to make it work for you.
  • Medical malpractice: Every one of us is forced to trust a doctor with our life at some point or another, which is why it is so shocking when a doctor harms a patient by breaching that trust. Illinois medical malpractice law provides for full compensation if you know how to apply it.
  • Slip and fall accidents: Slip and fall accidents result in a wide variety of injuries, ranging from sprained ankles to broken hips to lifelong paralysis. The typical slip and fall claim arises when a property owner fails to keep the property safe for visitors.
  • Product liability: A product liability claim arises when a product in the stream of commerce causes injury to a user or a third party. Product liability claims work differently than other types of personal injury claims, in part because they are based on well-defined product liability statutes that do not necessarily require the victim to prove negligence.
  • Dog bites: Dog bite claims are governed by the Illinois dog bite statute. This statute holds a dog owner liable for injuries caused by the dog, with no need to prove the owner was at fault. Any dog bite injury will qualify – liability is not limited to bite injuries alone.
  • Wrongful death: A wrongful death claim arises when a victim with a valid personal injury claim dies from his or her injuries. Any type of personal injury can qualify, including auto accident injuries, slip and fall accidents, product liability accidents, and even intentional criminal acts. Wrongful death settlements go to the victim’s estate and close relatives.

Frequently Asked Questions

No. You are only entitled to the actual damages you can prove. The three main categories of damages are:

  • Economic damages: Easily quantifiable damages, such as medical bills and lost earnings.
  • Non-economic damages: Intangible psychological losses, such as pain and suffering.
  • Punitive damages: Damages designed to punish the defendant for particularly culpable behavior (seldom awarded).

Yes, you can, and you should reject an inadequate offer. You can then make a counteroffer, which The Hartford will then be free to accept or reject. Normally, settlement negotiations continue even after you reject an offer. In some cases, however, the only option is to file a civil lawsuit.

If you are negotiating with an insurance company, it will usually write you a check in exchange for your signature on a document releasing the insurance company for any further liability for your claim. If the defendant has no insurance and few assets, however, it may be difficult for you to actually collect the money.

This is a difficult question to answer without knowing the specifics of your case. Some cases are resolved in a few weeks; in extreme circumstances, however, a claim may take years to resolve. The time frame depends largely on how h3 your claim is and how stubborn the other side is.

There are many defenses that a defendant might use to try to escape or reduce their liability, depending on the facts of your case. Some of the most common are:

  • Your injury was pre-existing – it was unrelated to the accident, or the accident worsened it but didn’t cause it.
  • The accident was partly your fault. Under Illinois comparative fault principles, this will merely reduce your recovery as long as the defendant was mostly at fault.
  • The defendant’s actions were reasonable under the circumstances and therefore not negligent.

The IRS will tax some of the items included in a typical settlement:

  • Medical expenses are non-taxable unless you claimed a deduction for them.
  • Pain and suffering and similar intangible damages are non-taxable.
  • You will be taxed on lost earnings compensation to the extent that you would have been taxed on these earnings, had you not lost them.
  • Property damage compensation is usually not taxable.
  • Punitive damages are taxable.

Take “Fate” into Your Own Hands

We will have someone available 24 hours a day, seven days a week to take your call, both before and after we begin working together. If you cannot visit us due to your injuries, we will come to see you. The sooner you retain representation, the better your chances will be. If you believe that you might have an personal injury claim with The Hartford in Greater Chicago or elsewhere in Illinois, telephone us today or contact us online for a free, no-obligation evaluation of your case.
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Why People Choose Malman Law

You’ll want your lawyers to be this good.
You’ll want our experience on your side.
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    Credibility & Experience

    25,000+ Cases over 25 Years
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    Track Record of Success

    25,000+ Cases over 25 Years
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    Team of Litigation Lawyers

    25,000+ Cases over 25 Years

Free Case Reviews

Please fill out the form below and a representative at Malman Law will contact you within 24 hours to discuss the specifics of your case.

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    They are very helpful, and when it comes to getting things done with your case I had the pleasure of working with Jason Kellerman he was awesome I highly recommend them.

    Britany Weaver

    Personal Injury Victim

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    I’m very pleased to recommend Malman Law to my friends and relatives! I have to mention how efficient and professional in dealing with my case has been with everyo...

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    I was rear-ended by a semi-truck on my way to work. I was transported to the hospital and my car was totaled. In the aftermath, Dan Petrich and Anna Schmidt from Malman ...

    Tony S.

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    I contacted Malman Lawafter my work injury. So professional from my first phone call. Mr. Malman’s investigator, Dan, came right out to our home. Everything was explai...

    Devin Jones

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    Attorney Greg Lamorena was my lawyer when I slipped and fell. He kept me updated throughout the case and was always available to talk when I had questions. He is a great...

    Annie Ong

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    Alexis was the attorney on my case! She kept me in the loop about everything with my case. If I had any concerns I was able to contact her and she’ll answer my que...

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    They are so efficient and professional. Always available to help. Attorney Boyer was great and very good with my case. I really appreciate Malman Law. I gave them 5 star...

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    I have had an amazing experience with Malman law so far. From the start, Dan was super easy to work with, got me the medical attention I needed, and fast. Couldn’t ask...

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    Hi, I just want to acknowledge Jay McCarron, Kelly & the firm at Malman Law for representing me as they continue to work on my case. Thanks for keeping me updated &a...

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    Alexis was the attorney on my case and she was GREAT. She made sure I was updated on everything about my case. I would highly recommend Malman Law if you’re ever in ne...

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    I had the best experience with Jason and Jay attorneys from Malman Law they really went all the way to settle my case I’m telling you there just the best!! Recommend 1...

    Carmen Rivera

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    Adam Meadow acted as the attorney for a family member who was in a car accident. He was highly personable and actively listened to our issues throughout the litigation p...

    Greg Gustafson

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    Excellent customer service and a great experience. Malman Law handled the whole process and it was very smooth. The settlement was a great success. I would choose Malman...

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    Helped me out of a big jam when my auto was hit twice when and the other drivers had no insurance. Adam Meadow is the only Lawyer I will call for helping me and my daugh...

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    I cannot give enough praise to the team at Malman Law, for helping with my case. My children were involved in an auto collision and the attorney Adam along with his para...

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    A close friend recommended me to Malman Law. I currently have a case with them due to a car accident I had and ever since the accident they have been taking care of ever...

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    Bella Feinstein, Jason Kellerman, and Terry Davey have been instrumental in helping me through many difficult situations. Not only did they work to get my mom a settleme...

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    This law firm is the best they got me paid and Malman Law kept in constant communication with me which meant a lot to me I would highly recommend this law firm to anyone...

    Jeff Walker

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    Mr. Kellerman of Malman Law shows compassion for his clients. Returns calls and emails promptly, he takes time to listen to his clients, and gather facts accordingly.

    Steve Acosta

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    Everyone at Malman Law made me feel welcomed and heard. My lawyer, Adam Meadow, as well as staff, kept me up to date and were more than happy to do so! I would highly re...

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    Dan Petrich was the best man for my case of falling through my porch of an apartment I rented. He made sure I got what I deserved not only $ wise but medical wise and th...

    Jose Cruz

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    Steve Malman helped me with my auto case. He quickly responded and answered any and all the questions I had. My case was a success as well as 2 other family members I re...

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    Malman Law goes above and beyond handling your legal injury case needs. From the first appointment through to the ending verdict my sister and brother in law were very...

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    Malman Law is definitely professionals and skilled at what they do. Mr. Adam Meadow always kept me informed and never hesitated to answer my questions and was open to he...

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    Mailman Law, Excellent firm!! Tiffany Alberty and her assistant Margie Gallegos were super efficient and knowledgeable. Great communication—very quick response and gre...

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    So glad I contacted Malman Law regarding my accident. Professional and caring. Thank you Mr. Malman. I most definitely recommend to anyone if you need the best to call M...

    Virgil Sanner

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    I really appreciated and enjoyed Yennin Calderon’s service. I called asking questions and she was so helpful. Not only did she answer all my questions and concerns...

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    My experience with Malman Law was great. I worked with Attorney Tiffany Alberty and her assistant Margie. Both communicated what was going on with my case, explained the...

    Ashley Jenkins

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2 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

NOAH TAFFELPersonal Injury Victim