Nationwide Insurance is one of the major players in the auto insurance industry – it writes over $7 billion in premiums every year. Of course, many of its client have been greatly assisted by Nationwide’s payment of their claims in times of need. Fundamentally, however, the interests of an insurance company and the interests of the insured conflict when a claim arises – after all, the more Nationwide pays out in claims, the lower its profits become. Keep this in mind next time you hear that Nationwide is “on your side.” Attempting to resolve any but the most trivial claim on your own will pit you against experienced insurance industry executives who have negotiated thousands of claims and whose sole purpose is to reduce the value of your claim as much as possible – even to zero if possible. Insurance companies know that injured parties are seldom aware of the true value of their claims. When you suffer injury in an auto accident, especially when you are not the at-fault party, the sooner you retain competent legal representation, the safer your claim will be. The personal injury lawyers at Malman Law have served over 20,000 clients over the last two decades, with a 95 percent success rate. Unlike your relationship with your insurance company (or the at-fault driver’s insurance company), your relationship with us will not be inherently antagonistic. Under our Zero Fee Guarantee, you will owe us precisely nothing in legal fees unless we win a verdict or settlement for you. Since the amount you will owe us will be proportionate to the amount we win for you, our interests are harmonious – we win if and only if you win. We won’t play around with your claim – right from the start, we will be seeking the quickest possible out-of-court settlement for you, as long as the amount of the settlement reflects the real value of your claim. We will not fall for the negotiating tricks that insurance companies routinely try to pull on claimants who are unrepresented or who have selected mediocre legal representation. Although we will try to settle (and 95 percent of the time we do), we stand ready and able to aggressively pursue a lawsuit that will compel the payment of your claim. Nationwide Insurance, along with other major insurance companies, knows this about Malman Law – we have proven it many times in the past in a wide variety of personal injury cases. “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
Certain acts, if you can prove that the defendant committed them, will drastically improve your odds of winning. Some of these acts are:
You should perform the following acts within the first few days after the accident:
Your auto or health insurance company may pay these bills as they come due, even if your claim is directed against the other driver’s insurance company. If they do pay, however, they are likely to place a lien on any settlement that you receive, meaning that they will have to be repaid out of any settlement received.
If you are injured in a car accident by a defective air bag, you can file a claim against the manufacturer, and perhaps the distributor, under Illinois product liability law. If the accident wasn’t your fault, you will also need to file a claim against the driver who caused the accident in the first place.
Illinois does not allow a child under 18 to file a lawsuit in his or her own name. Instead, a parent or legal guardian must file the lawsuit. Any settlement or verdict might be placed in a special account that can only be withdrawn from for the care of the child.
If you suffered a physical injury, you are usually entitled to a certain amount for pain and suffering (workers’ compensation claims are an exception). The exact amount depends on the nature of your injuries. The amount can range anywhere from a token sum to several times your combined damages for medical expenses and lost earnings.