Car Insurance Claims Dos and Don’ts

Friday, November 18, 2022

Car Insurance Claims Dos and Don’ts

Written by Malman Law, reviewed by Steve J. Malman.

Any car accident victim can tell you that it is a pain dealing with insurance companies. The insurance company always aims to pay out as little as possible on your claim.

However, by knowing what to do and what not to do, you increase your chances of receiving full compensation for your injuries. If you have been involved in a car accident and need a legal advocate, contact a Chicago car accident lawyer at Malman Law today.


  • Report the accident: you are legally required to report an accident if the crash caused any bodily injury, death, or more than $1,500 in property damage (when all drivers are insured). If either driver does not have car insurance, then you are required to report any property damage of $500 or more.
  • Take documentation: take pictures of the accident scene, any property damage, and streets that may be relevant.
  • Review your insurance coverage: review your auto policy so that you are aware of what your coverage includes and any exclusions that may apply
  • Save receipts of your expenses: this may include medical bills, medical equipment, the cost to repair your vehicle, and documenting any time missed from work
  • Contact a qualified car accident lawyer: a knowledgeable car accident lawyer will know the best next steps to take in collecting on your claim


  • Admit fault: don’t admit fault, even if you think that you were responsible for the accident. Admitting fault can result in a lower settlement claim.
  • Don’t negotiate a settlement with the other driver: you will only want your attorney to speak directly with the other driver’s insurance company
  • Skip visiting a doctor: if you suffered from any injuries, seek medical treatment to ensure a faster recovery.
  • Accept a first settlement offer or sign a settlement agreement without consulting with an attorney: if you sign a settlement agreement prematurely, you risk not receiving as much as you deserve in compensation

An Overview of Illinois Insurance

Illinois is an “at-fault” state, meaning that the person who is at fault for the accident must compensate the other injured party for damages. You can recover damages as long as you are not more than 50% at fault for the collision.

However, it is up to an insurance evaluator, and sometimes eventually a judge, to determine each driver’s percentage of fault. Determining liability is complicated, and an insurance evaluator, or judge, is experienced in reviewing the facts and better assessing the situation.

According to Illinois law, drivers are required to have the following minimum coverage:

  • $25,000 for bodily injury or death per person per accident
  • $50,000 for total bodily injury or death per accident
  • $20,000 for property damage per accident

Often, insurance limits are not enough to cover someone’s injuries or the damage sustained to their vehicle. It is important to consult an attorney in any car crash which results in injury or property damage.

Contact a Chicago Car Accident Lawyer Who Puts You First

Insurance companies are always looking out for themselves. But who is looking out for you? If you have been injured in a car accident, contact Malman Law. Schedule your free, no-obligation consultation as soon as possible. Discover what experience and commitment can do for you.

Steve Malman

Malman Law’s founder Attorney Steven Malman has over 30 years of experience handling personal injury, nursing home, medical malpractice, truck accidents, car accidents, premises liability, construction, and workers’ compensation cases in Chicago, IL.

Years of experience: +30 years
Justia Profile: Steve Malman
Illinois Registration Status: Active and authorized to practice law—Last Registered Year: 2024

What’s your case worth? Submit for a free case review


This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by President and Founder, Steven J. Malman who has more than 20 years of legal experience as a personal injury attorney.

Related Blog Posts

view all news