Why Do I Need a Lawyer to Deal With Insurers After an Accident?

 Posted on June 29, 2025 in Personal Injury

Whether you were injured in a motor vehicle accident, premises liability incident, construction accident, by a defective product, or through medical malpractice, you may be entitled to compensation. Insurance companies have teams of lawyers and trained adjusters whose goal is to protect the company’s profit margins. They sometimes accomplish that goal by not paying fair amounts for claims. Handling insurance claims on your own can lead to mistakes that reduce or eliminate your compensation.

Our knowledgeable Glenview, IL personal injury attorney can level the playing field and handle your claim from start to finish. With our skilled legal guidance, you can ensure that all insurance requirements are met and your rights are protected.

What Is the Statute of Limitations for Personal Injury Cases in Illinois?

Most personal injury cases begin with filing an insurance claim. The claims process can take time to complete. If settlement negotiations do not yield an acceptable offer, you have the option of filing a civil lawsuit and taking your case to court. However, you must file that lawsuit before the applicable statute of limitations expires. Insurers sometimes try to draw out the claims process, hoping you will miss the filing deadline.

In most Illinois injury cases, you must file a lawsuit within two years of the accident date. Exceptions, such as delayed discovery of injuries or claims involving government entities, may grant you more time or significantly shorten your deadline.

Missing the deadline can result in a judge dismissing your case. Your lawyer will closely monitor your filing deadline to ensure you do not miss it.

Why Would an Insurance Company Not Pay My Injury Claim Fairly?

Adjusters and customer service representatives may seem friendly, but they are not your friends. Insurance companies are businesses designed to make a profit. Although your claim may be valid, that does not mean an insurer will pay it fairly without a fight. Every dollar you receive is one dollar less for the company. Insurers may use several unfair tactics to undermine your claim.

What Tactics Do Insurers Use to Sabotage Personal Injury Claims?

Insurers know that the average person has not handled a complex claim before. They often attempt to use that lack of experience against you. Insurers could imply that your claim is worth far less than it is. They may offer quick, intentionally low settlement amounts before you have a full understanding of your damages. They might suggest you were partly at fault, relying on Illinois’s comparative negligence laws to reduce their liability.

The insurance company could deny or delay your claim, hoping you will give up. It might also ask you for recorded statements, hoping to trick you into making a comment that damages your claim. Insurers often try to intimidate claimants into accepting a settlement offer. All of these strategies can weaken your claim if you do not have legal support and guidance.

How Can Our Lawyer Help You Overcome Challenges With Your Personal Injury Claim?

After your accident, your focus should be on recovering from your injuries, not navigating complex insurance claims. We will handle all communication with insurance companies on your behalf. We can:

• Accurately calculate your long-term damages, which could include future medical care and lost earning capacity

• Gather evidence like medical records, accident reports, and witness statements to support your claim

• Negotiate to counter lowball settlement offers

• Argue against inaccurate fault assignments

• File a civil lawsuit before the statute of limitations expires

With our experienced representation, you are more likely to receive fair compensation.

Speak With Our Park Ridge, IL Personal Injury Lawyer

Do not let insurance company tactics damage your claim. Our highly effective Glenview, IL medical malpractice attorney will work hard to overcome all challenges and achieve the best possible outcome. Call 847-232-7180 or contact us online today to schedule your free case review.