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The world is a dangerous place. On the roads, in your home, out and about in your neighborhood, while shopping, even just visiting a friend, you can suffer an accidental injury pretty much anywhere. If you do, after you receive medical treatment, you might wonder if there is compensation available to you. If there is, how do you get it? A personal injury lawsuit is an option, obviously, but that shouldn’t be the first option. There might be – and likely is – insurance available to cover your injury, whether the insurance is yours or someone else’s. 

An insurance settlement likely will be far quicker and easier than filing and pursuing a lawsuit, and many cases start there. If you have suffered an accidental injury, you should talk to a Chicago personal injury attorney who can help you with what insurance claims you should file.

The Insurance Claims You File Will Depend Upon the Circumstances of Your Accidental Injury

What kind of insurance claims you end up filing will depend upon where and how you were injured. For instance, if you are injured in an accident at home, you would file an insurance claim against your own homeowner’s policy and have your medical treatment covered by your health insurance policy. If you’re hurt in an accident at someone else’s house, you would file a claim against that person’s homeowner’s policy. And if the accidental injury were to happen at a business, you would file against that business’s premises liability policy. You get the idea.

Automobile accidents can get a little more involved. In the most common circumstances, you are involved in a car accident with another driver, your car is damaged, and you are injured. If the accident was clearly the other driver’s fault, you would file a claim against that driver’s liability policy. If it was clearly your fault, you would file a claim against your own collision policy. If both drivers are partially at fault, or if it is not clear who is at fault, you would file claims against the other driver’s policy and against your own. 

Once fault is settled, you’ll get your settlement from one policy or the other, or possibly both. If the other driver, at fault or not, has no insurance, you would file a claim against your own policy if you have uninsured/underinsured coverage. If the other driver is merely underinsured, you would file against his policy while also filing against your uninsured/underinsured coverage.

For your injuries, if the other driver is at fault or if fault isn’t clear, you would file a claim against your personal injury protection policy or your MedPay insurance. That provides immediate payments. You would also file against the other driver’s liability policy and against your own insurance if fault, but a PIP claim means you’ll be covered while the fault gets sorted out.

If You Need a Chicago Personal Injury Attorney, Contact the Lawyers of Malman Law

If you have suffered an accidental injury, in a car accident or elsewhere, you should consult with a Chicago personal injury or car accident attorney. The lawyers of Malman Law are ready to help you on both counts. You can reach us at (312) 629-0099 or through our website.

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 http://www.aiopia.org/selection/.

  • 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 http://www.naopia.com/selection-process.

  • 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.

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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 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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