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Most car accident cases settle out of court, leaving many victims wondering whether they need to retain an attorney to represent them. Some people reason is that if the insurance company is willing to simply write them a check, they actually save money by handling the matter themselves. While this may seem to make sense, the reality is that it always in your best interest to retain an attorney after a car accident, even if the insurance company has made it clear it plans to settle your case.

Insurance Companies Do Not Have Your Best Interests in Mind

Insurance companies have a fairly simple business model – they collect premiums every month and payout less than they take in. This means that they are strongly incentivized to payout as little as possible on each claim they receive – including yours. They are under no legal obligation to pay you the actual value of your claim, and will gladly settle your case for much less than your actual losses. In fact, if they can, they will deny your claim entirely if they can find any way to do it. 

Insurance Company Tactics to Get You to Settle for Less

Unreasonably Low Settlement Offers

One of the most common tactics that insurance companies use in an attempt to get victims to settle their cases for less than they are really worth is making unreasonably low settlement offers early in the process. These offers are made hoping that victims will simply accept them and move on and also to make subsequent (yet still low) offers sound better.

Misrepresenting Your Legal Rights

Another way that insurance companies may try and get to settle your case for less than you should is by misrepresenting your legal rights to you. For example, they may tell you that you are not entitled to damages for your non-economic losses under Illinois law when you actually are. Fortunately, when you have retained an experienced attorney, you can rest assured that you understand your rights and that they will be protected.

Pressuring You to Provide a Recorded Statement

Insurance company representatives often tell victims that they need to obtain a recorded statement before they can “process” a claim or write a check. This is not the case, and any effort to obtain a recorded statement is made in hopes that you will say something that can be used to justify reducing your settlement or denying your claim entirely.

Call Malman Law Today to Schedule a Free Case Evaluation with a Chicago Car Accident Lawyer

If you have been injured in a car accident in the Chicago area, you should call Malman Law as soon as you can.  We have been helping injured victims obtain the compensation to which they are entitled for more than 25 years and are committed to obtaining the largest possible settlement or award in every case we handle. To schedule a free consultation with a car accident attorney in Chicago, call our office today at (312) 629-0099 or contact us online.

Firm Awards & Recognitions

Steven Malman was selected to the list. The list is issued by the American Institute of Legal Counsel. A description of the selection methodology can be found at

  • Steven Malman was selected to the list. The list is issued by the National Academy of Personal Injury Attorneys. A description of the selection methodology can be found at

  • Steven Malman was selected to the list for 2018-2019.

  • Only the top 100 trial lawyers from each state or highly-populated regions of certain states who are actively practicing in civil plaintiff and/or criminal defense law are eligible for invitation. Invitees must demonstrate superior qualifications, leadership skills, and trial results as a legal professional. The selection process for this elite honor is based on a multi-phase process based upon objective and uniformly applied criteria which includes peer nominations combined with third party research.

    Prospective members of The NTL are carefully screened prior to receiving an invitation for membership.

  • Top Attorneys Diamond Member

  • Top Attorneys of North America 2019-2020

  • The American Institute of Trial Lawyers is an invitation only professional organization composed of premier trial attorneys from each state. These attorneys exemplify the very best qualities and qualifications of an attorney. Each attorney must meet stringent qualifications as a civil or criminal trial attorney. These attorneys practice in a variety of fields to help and promote the ethical and elite practice of law. Selection is based on a thorough multi phase process which includes peer nominations and third party research. Each member must be in good standing with their local compliance organization. Membership is extended to only a select few in each state and/or region.

  • As the founder of Steven J. Malman and Associates, P.C., Attorney Steven Malman has 21 years of experience handling personal injury, nursing home, medical malpractice, premises liability, construction and workers’ compensation cases. Mr. Malman is one of Chicago’s leading authorities on personal injury law and has taken a special interest in defending the elderly from neglect and abuse. He has personally handled over 10,000 cases successfully, and collected hundreds of millions dollars for his clients.

Client Review

  • "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 everyone that I've been in contact with at Malman Law. Mrs. Sabo is outstanding as well as her secretary and assistant in responding quickly to any of my questions or concerns. 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
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