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Illinois Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Illinois on
Q: I need help here I'm out 48 thousand dollar and only got a partial payment of 3000 and I never signed off on this matter

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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Illinois on
Q: I am having problems with my car insurance company they are telling me that I have to accept the offer but not have sign
Tim Akpinar
Tim Akpinar
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

2 Answers | Asked in Employment Law and Insurance Bad Faith for Illinois on
Q: How can Uber not be held responsible?

While Uber driving my husband got shot at we have 4bullet holes in car 2in muffler one in back driver door and one that went through the trunk which we found embedded in back of back seat and they tell us to get a quote we send in and now they saying he went offline yeah he wasnt really worried... View More

James L. Arrasmith
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answered on Aug 29, 2023

Not an intellectual property question -- but Uber's liability in situations like this often hinges on whether the incident can be considered part of the "course and scope" of employment, a concept used to determine employer liability for actions of its workers. If Uber argues that... View More

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2 Answers | Asked in Employment Law and Insurance Bad Faith for Illinois on
Q: How can Uber not be held responsible?

While Uber driving my husband got shot at we have 4bullet holes in car 2in muffler one in back driver door and one that went through the trunk which we found embedded in back of back seat and they tell us to get a quote we send in and now they saying he went offline yeah he wasnt really worried... View More

John Michael Frick
John Michael Frick
answered on Sep 3, 2023

I have a difficult time understanding why Uber would be responsible. I presume the shooter(s) weren’t Uber employees acting in the course and scope of their employment. I think the shooter(s) are most likely legally responsible for the damage to the motor vehicle and that such damage is most... View More

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2 Answers | Asked in Insurance Bad Faith for Illinois on
Q: i had disability insurance for myself and had a stroke. i paid for them 2 years after and they didnt pay because i didn

inform them. i

Tim Akpinar
Tim Akpinar
answered on Jul 29, 2023

I'm sorry about your stroke. I hope you are okay. Something isn't fully clear about the timeline of events here. If you had a policy and suffered a stroke, and it resulted in disability, it should be an event that the carrier should consider covering. If you mean you had an EARLIER stroke... View More

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2 Answers | Asked in Insurance Bad Faith for Illinois on
Q: i had disability insurance for myself and had a stroke. i paid for them 2 years after and they didnt pay because i didn

inform them. i

T. Augustus Claus
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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...
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1 Answer | Asked in Insurance Bad Faith for Illinois on
Q: Can I sue insurance company for denying additional surgery from 1st surgery in 1998 I’m 64 they refuse all doctors findi

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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Illinois on
Q: I filed an appeal with my past insurance, and won. They won't send me a letter or email showing the records. allowed?

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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Insurance Bad Faith and Car Accidents for Illinois on
Q: My auto insurance denied my claim on a financed vehicle. How can they deny my claim if I had full coverage?

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

Lindsey Seeskin
Lindsey Seeskin
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

2 Answers | Asked in Insurance Bad Faith and Car Accidents for Illinois on
Q: I had full coverage insurance with United Equitable and they denied my claim on a financed vehicle. Is that legal?

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

Charles Candiano
Charles Candiano
answered on Dec 7, 2022

On your facts, the claim cannot be "denied." The insurance company can deny that it was a hit and run if there is no physical evidence of another car hitting yours (e.g. a different color paint on your fender or eyewitnesses). That does not mean that your insurance company can deny the... View More

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2 Answers | Asked in Insurance Bad Faith and Car Accidents for Illinois on
Q: I had full coverage insurance with United Equitable and they denied my claim on a financed vehicle. Is that legal?

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

Lindsey Seeskin
Lindsey Seeskin
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

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1 Answer | Asked in Consumer Law, Banking, Civil Litigation and Insurance Bad Faith for Illinois on
Q: I am reaching out to seek your legal guidance regarding a situation I am currently facing with Chase Bank.

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

James L. Arrasmith
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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

1 Answer | Asked in Insurance Bad Faith for Illinois on
Q: I had full coverage insurance with United Equitable and they denied my claim on a financed vehicle. Is that legal?

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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Insurance Bad Faith and Civil Litigation for Illinois on
Q: If I have proof that my home insurance has violated our contractual agreement who would I need to speak to, to sue them.
Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Illinois on
Q: A few months back I was driving a rental car and hit a deer. I now am going to court for driving without insurance?

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

Charles Candiano
Charles Candiano
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...
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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for Illinois on
Q: My 16yr old received a no insurance ticket in a vehicle that is not his. will he lose his license over this. Illinois

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

Theodore J. Harvatin
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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.

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Illinois on
Q: involved in accident a car slammed into me and pushed me into the car in front now her insurance wants me to pay ? why?

i was not insured at the time of accident

Charles Candiano
Charles Candiano
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

1 Answer | Asked in Consumer Law, Contracts, Products Liability and Insurance Bad Faith for Illinois on
Q: Do I have to pay them since they forgot?

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

Ana M. McNamara
Ana M. McNamara
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

1 Answer | Asked in Insurance Bad Faith, Family Law and Insurance Defense for Illinois on
Q: My dad passed away he left his life Insurance policy to my older brother. But my brother is in drug rehab I need it pay
James G. Ahlberg
James G. Ahlberg
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

1 Answer | Asked in Insurance Bad Faith and Medical Malpractice for Illinois on
Q: Can dr be liable for a bad surgery

Had shoulder surgery and still having problems from it and I have a long painful scar and nerve damage now can the hospital be liable for my problems after surgery,loss of grip nerve pains from my shoulder to my hand

Robert D. Kreisman
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Robert D. Kreisman
answered on Oct 23, 2020

Much depends when, where, and most importantly whether your nerve damage was caused by a deviation from the standard of care during this surgery. It's impossible to know the answer to the last point without a thorough review of your hospital records, your operative report, and post-operative care.

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