How Car Accident Claims Work in Lincoln Square
The Illinois claims process explained in plain English
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The Claims Process: Step by Step
Initial Consultation
- You speak with a Lincoln Square attorney about your accident and injuries
- The attorney evaluates the strength of your case
- If there is a viable claim, you sign a retainer agreement (no upfront cost)
- The attorney sends a letter of representation to the insurance company
Investigation & Treatment
- Your attorney gathers evidence: police reports, medical records, witness statements
- You focus on your medical treatment and recovery
- The attorney documents all damages including bills, lost wages, and pain
- Experts may be consulted (accident reconstruction, medical specialists)
Demand & Negotiation
- Once treatment stabilizes, your attorney calculates the full value of your claim
- A detailed demand letter is sent to the insurance company
- Negotiations begin. This is where having an experienced attorney matters most
- Most cases settle during this phase without ever going to court
Litigation (If Needed)
- If a fair settlement cannot be reached, your attorney files a lawsuit in Illinois
- The discovery process begins (depositions, document exchanges)
- Many cases still settle during litigation before reaching trial
- If the case goes to trial, your attorney presents your case to a judge or jury
What You Can Recover in Illinois
Depending on the circumstances of your accident in Lincoln Square, you may be entitled to several types of compensation:
Medical Expenses
Hospital visits, surgeries, physical therapy, prescriptions, and any future medical care related to your injuries.
Lost Wages
Income you missed due to the accident, including sick days, vacation time used for recovery, and reduced earning capacity.
Pain and Suffering
Compensation for physical pain, emotional distress, anxiety, depression, and the overall impact on your quality of life.
Property Damage
Repair or replacement costs for your vehicle and any personal property damaged in the accident.
Future Earning Capacity
If your injuries affect your ability to work in the future, you may be compensated for the difference in what you could have earned.
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Where Illinois Claims Go Wrong
Missing the statute of limitations
In Illinois, you have 2 years to file. Miss it and you lose your right to compensation.
Accepting a lowball offer
Insurance companies count on you not knowing what your claim is really worth.
Not documenting everything
Missing medical records, photos, or witness info can weaken your case significantly.
Talking to the other driver's insurance
Anything you say can and will be used to reduce or deny your claim.
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