Liberty Mutual Insurance is the nation’s seventh-largest auto insurer, writing over $9 billion in premiums every year for about five percent of the nation’s auto insurance market. Although Liberty Mutual presents itself in advertising as charitably motivated, in reality it is a business that loses money every time it pays out a claim. This situation results in a built-in conflict of interest – the more money you lose, the more money Liberty Mutual gains, and vice versa. Consequently, don’t expect them to “stand with you” when you ask them to satisfy your claim. Instead, expect them to spare no effort to reduce the value of your claim or deny it altogether. Insurance industry professionals are savvy negotiators who bring a rather large bag of tricks with them to the settlement table and, if necessary, to court. None of this is anything new to the car accident lawyers at Malman Law – we have seen it all before, more times than we can count. Unlike an insurance company, we really do “stand with you” – due to our Zero Fee Guarantee, we won’t charge you a dime in legal fees unless we bring home a settlement or verdict for you. Even then, what you owe us will be proportionate to how much money we obtain for you. Consequently, there will be no conflict of interest between you and us. We only win if you win too. We can afford to make this offer because we win 95 percent of our cases – and we don’t like it when an insurance company tries to take advantage of our client.
Illinois drivers are required to carry auto liability insurance with limits no lower than $25,000 per victim and $50,000 per accident. Note that these are minimum coverage limits – the at-fault driver may carry more than the minimum coverage. Even if the at-fault motorist does not carry any liability insurance at all, your own mandatory uninsured motorist coverage will pay out $20,000 per person and $40,000 per accident in underinsured motorist coverage. This means that you may need to claim against your own insurance policy, even if the accident was not your fault. Although we are well-prepared to fight it out in court, over 95 percent of our clients’ claims are settled out of court. From the moment that we take your case, we will work to bring you a settlement as quickly as possible – but only if it reflects the full value of your claim. So far, we have collected hundreds of millions of dollars in verdicts and settlements for clients just like you. “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
Malman Law is not a faceless mega-firm whose clients are little more than case numbers. We will assign your case to a team of lawyers with experience in both settlement negotiations and courtroom negotiations. Many auto accident attorneys are experienced in settlement negotiations but lack courtroom experience. The effectiveness of lawyers like these is limited, because Big Insurance isn’t afraid of an attorney who lacks the ability to force them to pay. Our extensive courtroom experience insures that insurance companies will not take us lightly.
A personal injury claim is the type of claim that you file when you are injured in an accident that you suspect is someone else’s fault. A wrongful death claim is a lawsuit filed by the personal representative of the probate estate of a victim who died in an accident. Wrongful death lawsuits are governed by Illinois wrongful death law.
Insurance company executives are experienced negotiators who bring years of experience to the table. Imagine, for example, being asked to state the exact time of the accident, only to find out later that the insurance company is claiming the accident was your fault because you were looking at your watch instead of watching the road.
Yes, under certain circumstances. The Illinois Court of Claims Act governs personal injury claims against the city, county, or state government. The most important limitation on a claim against the government is that you must prove the defendant’s conduct was “willful and wanton,” a tougher standard to meet than mere negligence.
Under no circumstances should you provide a written statement to the insurance company you are claiming against until you attorney agrees and checks it over first. If you are claiming against your own insurance policy, you may be required to provide a written statement at some point. A written statement might not be necessary if you are claiming against the other driver’s insurance policy.
At the very least, you should gather the following:
Wrongful death damages are distributed among close relatives and the victim’s estate. They might include:
A jury is entitled to award whatever damages it considers “fair and just.”