Get free answers to your Insurance Bad Faith legal questions from lawyers in your area.
I have State Farm insurance and bought my car five years ago. I was supposed to have full coverage, both for myself and for my financial bank, but I only have liability coverage. I was unaware of this until after an accident occurred. I need assistance on how to address this issue and what steps to... View More 
answered on Jun 10, 2025
The question does not describe when the policy which covered the vehicle on the date of accident was issued. Illinois law requires a policy holder to read/review the policy when it is issued to verify they have the insurance coverage they requested and if unsure, to contact their agent/broker to... View More
I bought a car on March 7, 2025, with the requirement to have full coverage insurance in order to drive it off the lot. The car salesman informed me that he would set up insurance for $401. I paid this amount via Cash App but did not receive a declarations page or any official documentation. On... View More
answered on Mar 26, 2025
First things first. Begin by contacting the dealer and requesting the name and contact information of the insurance company. In the future, avoid the situation by comparing various insurance carriers ahead of time and advising them of your intention to purchase this make and model vehicle so... View More
I find it all unjustified how I was done in this matter of my things I worked hard for for 17 years and got 3000 dollars out of all it 48 thousand worth and showed proof of what they asked and I got 3000 for all of it and that was 2 years ago and I didn't sign off on anything in this matter so... View More
answered on Sep 1, 2024
An Illinois attorney could advise best, but your question remains open for two weeks. I'm sorry for your ordeal. It sounds like you're basically saying you got shortchanged on an insurance claim. If that's the case, you could set up a consult with a local attorney to review the... View More
answered on Jan 28, 2025
An Illinois attorney could advise best, but your question remains open for a week. It's difficult to guess why the carrier is refusing to pay. It might be bad faith - it might not be. It's impossible to say based on the limited details. If the carrier issued a denial, you could review... View More
Their part of my insurance so I'm paying much more for the same insurance I get from other job without any fringe pay. This is also a federal grant paid job site in Illinois. Is this legal?
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answered on Jan 10, 2025
This situation raises some concerns about how your employer is handling insurance payments and fringe benefits. The practice of double-charging for insurance coverage - both through regular wages and fringe benefits - could potentially violate federal and Illinois labor laws, especially on... View More
They are saying they will only pay 2,089.36 instead of the full amount of 3,731.00
They also claim I should get 746.20 for salvage of the vehicle and I've never seen that amount given for a 2003 vehicle
answered on Jan 7, 2025
An Illinois attorney could advise best, but your question remains open for a month. A local attorney would need to advise on specific Illinois statutes. But in PD disputes of this scale in general, the options could be to continue negotiation or consider filing suit - small claims, civil,... View More
I received a check from State Farm for nearly $7,000 due to vehicle damage and deposited it into my Chase account on July 29, 2024. After a brief hold, Chase closed my account without notice, citing suspected fraud. They funded the check, then withdrew the funds and refused to release them,... View More
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answered on Oct 2, 2024
I'm sorry to hear about the difficulties you're experiencing with Chase Bank. Start by gathering all related documents, including the check from State Farm, deposit records, and any communication you've had with Chase. Contact State Farm to confirm the legitimacy of the check and... View More
I was in a car accident where the other driver hit me and my car was deemed a total loss from United Equitable. UEI asked me for my schedule for AMAZON FLEX. I was not driving for AMAZON FLEX on the day of the accident and UEI denied my Comprehensive claim for paying off my car. Is this legal?... View More
answered on Aug 29, 2024
An Illinois attorney could advise best, but your question remains open for three weeks. Can you sue? To answer that question, an attorney would probably want to see your policy and the denial. It could involve setting up a consult, either in person or over the phone after emailing documents for... View More
answered on Aug 31, 2023
An Illinois attorney could advise best, but your question remains open for a week. Accepting an offer is up to you. Insurance companies don't usually tell people they have to accept an offer - they might say that the offer is as high as it's going to get, and if they claimant doesn't... View More
inform them. i
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answered on Jul 27, 2023
Insurance companies are required to act in good faith and fulfill their obligations under the terms of the insurance policy. When a policyholder makes a valid claim, the insurance company should process and pay the claim promptly and fairly.
If you had disability insurance, and you suffered... View More
I just looked at my medical records to find I have serious problem from back fusion 1998. Company knew and refuse to pay for surgery
answered on Feb 25, 2023
An Illinois attorney could advise best, but your question remains open for two weeks. It's possible you could sue, but more information is needed. Before exploring the expense of litigating, ask the carrier if they would reconsider their position if you provided something in writing from your... View More
I filed an appeal with my past insurance, and won. They agree to remove the misrepresented/Fraud they marked on the claim as well as remove the claim so it would not effect me getting insurance with other company's. When I asked for a letter to show proof, or a email they said they can't... View More
answered on Feb 17, 2023
An Illinois attorney could advise best, but your question remains open for three weeks. There aren't details here on what the matter involved, and who handled the appeal. However, if you won an appeal, whether in court or through an arbitration tribunal, that would usually involve receiving a... View More
My insurance company denied my claim due to the EDR or black box in my car; it didn't show that any car hit my car. When it comes to the EDR system in the car, the only time it activates is when the airbags deploy. That being said, the vehicle that bumped me didn't hit me hard enough that... View More
answered on Dec 7, 2022
United Equitable's denial is technically legal, but that does not make it completely right. Unfortunately, United Equitable is one of several insurance companies in Illinois that come up with a myriad of reasons to deny coverage for their own policyholders. Those reasons are oftentimes very... View More
I was driving to work when a car from the left lane swerved into my lane ended up bumping my front driver's side bumper and, making me swerve out of the way and having me lose control. My car hit the right side rail on the highway and then spun around, crashing into the median that separates... View More
answered on Dec 7, 2022
United Equitable's denial is technically legal, but that does not make it right. Unfortunately, United Equitable is one of several insurance companies in Illinois that come up with a myriad of reasons to deny coverage for their own policyholders. Those reasons are oftentimes very questionable... View More
answered on Oct 16, 2022
An Illinois attorney could advise best, but your question remains open for two weeks. You could speak with attorneys who handle property & casualty insurance matters. You could also reach out to general civil litigation law firms and ask if homeowners insurance falls under their area of... View More
I sold my car years ago and use rental cars for work so I don’t have my own personal insurance besides on my credit card. I had always thought that rental car companies legally had to have state minimum coverage on their vehicles. How do I fight this?
(Update #2): Providing a second... View More
answered on May 13, 2022
Please don't say that you thought car rental companies were obligated to provide insurance. They all DO provide insurance as a DEFAULT.
The application requires you to SPECIFICALLY DECLINE insurance coverage and additionally makes you sign or initial that choice. Additionally, rental... View More
I presented my insurance card to the States Attorney office's and that is when i found out my insurance has lapsed. Now he is the one introuble. I have since then insured my vehicle thru a different company. What are we looking at
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answered on May 2, 2022
Go to court with him along with proof you have insurance now. They will give you court supervision (protecting the license), although they will require him to carry SR 22 for a period of time.
i was not insured at the time of accident
answered on Mar 18, 2022
On your facts, you are not liable. Rather, the car that struck you is liable for the property damage to your vehicle, any injuries that you or your passengers sustained, any property damage to the car that you were forced into and any personal injury that the driver or any of the passengers of the... View More
I got a 3k check from my car insurance, repair shop was supposed to charge me it plus $500 deductible from my end. They only charged me $500 total and are just now asking for the check.
I live near Chicago, Illinois . Thanks lol
answered on Feb 3, 2022
Well, its your lucky day. The amount of check from the insurance was based upon an estimate of damage provided to them by their adjuster or an outside body shop. The fact that the body shop charged you less in the end should not change the amount of the check from the insurance. If the check is... View More
answered on Jan 29, 2022
Your father had a contract with the life insurance company that requires them to pay the benefits of the policy to the person he named as the beneficiary. They won't make an independent determination of the wisdom of your father's choice. Furthermore, if they gave the proceeds to you,... View More
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