AIG Auto Insurance Accident and Injury Claims

Your Insurance Company may not Have Your Best Interest in Mind

When you’re injured in an auto accident, complications from injuries, mental stresses, and financial pressure can pile up fast. From lost income to expensive medical treatments and physical therapy, you can quickly struggle physically, emotionally, and financially. Illinois requires that all drivers carry auto insurance. When another driver causes an accident with injuries, in theory, the insurance company should pay your reasonable claim for damages. Unfortunately, however, the process of recovering damages from an auto insurance carrier can be needlessly complicated and difficult. Even if the other driver’s policy is with a well-established insurer like AIG (also known as American International Group, Inc.), you may need to fight to recover the full value of your auto accident claim. Abels & Annes, P.C. is here to help. Contact us today at (312) 924-7575 to learn how.

Use an Attorney with Extensive Experience Fighting Insurance Companies

At Abels & Annes, PC, we have a significant history of dealing with a wide range of insurance companies, including AIG. We work hard to get settlements in the hands of our clients faster. Once you have your settlement, you can take care of the bills that have accumulated after a Chicago auto accident. Getting settlements quickly also gives our clients the financial backing they need to recover their health and move on with their lives. In many cases, we can obtain settlements for our clients even if the insurance company denies the initial claim. If AIG or any other insurance company remains stubborn about paying a valid claim, we are willing to take them to court and fight for a jury verdict, if that’s what’s best for our client. Our clients know that they’ll get determined, capable legal support, whether we’re able to settle out of court or pursue a judgment inside a courtroom.

Claiming Benefits from an Insurance Company like AIG

Illinois requires that all drivers carry auto insurance. When another driver causes an accident with injuries, you should feel confident that an insurance company will pay your reasonable claim for damages. Unfortunately, however, the process of claiming benefits from an auto insurance provider can, at times, grow needlessly complicated and difficult. Even if the other driver’s policy is with a well-established insurer like AIG, you may need to fight to recover the full value of your auto accident claim or motorcycle accident claim. Abels & Annes, PC, might help. Contact us today at (312) 924-7575 to learn how. At Abels & Annes, PC, we have extensive experience dealing with a wide range of insurance companies, including AIG. We work hard to get settlements in the hands of our clients faster. Once you have your settlement, you can take care of the bills that have accumulated after an auto accident. Getting settlements quickly also gives our clients the financial backing they need to recover their health and move on with their lives. In many cases, we can obtain settlements for our clients even if the insurance company denied the initial claim. If AIG or any other insurance company remains stubborn about paying a valid claim, we are willing to take them to court and fight for a jury verdict if that’s what’s best for our client. Our clients know that they’ll get determined, capable legal support, whether we’re able to settle out of court or pursue a judgment inside a courtroom.

What Auto Insurance Claims May Cover

Auto insurance may cover the cost many injuries to you and your property after an accident, including:

• Medical and therapeutic expenses not covered by health insurance
• Repairing or replacing your vehicle
• Your lost income, if your injuries keep you out of work
• Lost earning potential if your injuries leave you permanently disabled
• Pain and suffering

Auto insurance policies typically have limits on the total amount they will pay for various damages. Illinois law sets the minimum amounts of auto insurance coverage for drivers. Unfortunately, it's only $25,000 per person and $50,000 per accident for bodily injury liability. Further, there is $20,000 for property damage liability. If your damages exceed the limits of the policy that covers your injuries, you may have an underinsured motorist claim (UIM claim) against your own policy for the remainder. An experienced auto accident attorney can help you determine if that’s the case.

Common Issues That Arise in the Auto Insurance Claims Process

Ideally, a claim should go smoothly. You submit paperwork and proof of your injuries and property damages, the insurer confirms your claims are valid, and it pays you the full amount of the claim. Unfortunately, that is not always how it works. Common roadblocks that arise in the auto insurance claim process include:

A dispute about fault

When it is not clear who was at fault for the accident, the insurance company may delay a claim while the adjuster investigates it. In the event one party brings a legal action against the other for damages, the insurer for the defendant will likely play a role in negotiating any settlement of that lawsuit. The amount of any settlement will need to take into account that, in Illinois, a person may not recover damages for an injury for which that person was more than 50 percent at fault, and that a person will still see a damage reward reduced by any percentage of fault of less than 50 percent.

Multiple parties

The investigation of fault can grow more complicated, and drag out the process of receiving a settlement, when an accident involved multiple parties who could potentially bear liability for damages. Multiple parties with injuries can also complicate the process.

A dispute about the extent of injuries or necessity of medical treatments

Insurance adjusters may take issue with injury claims. For example, they may contend a claimant had a preexisting condition to which coverage should not apply. Likewise, if a claimant seeks reimbursement for specialized medical care, the insurer may resist payment. An adjuster may argue that it is not reasonably necessary to treat the claimant’s injuries. And they often do this without presenting any legitimate evidence of their own. In any of the above scenarios, having an experienced Chicago auto accident attorney on your side can make a huge, positive difference in the claims process. Attorneys with experience know where the potholes are in the road and how to avoid them. They speak the language of insurance adjusters and know case value. In short, a skilled attorney can smooth and speed up the claims process.

Fight AIG with Help from the Experienced Personal Injury Attorneys at Abels & Annes

At Abels & Annes, PC, we offer a free consultation for your auto insurance claim. When we agree to take a personal injury case, we do so on a contingency fee basis. This means we only receive payment when our client obtains a settlement or judgment. Our fees come out of the amount of the payment, so our clients don’t have to worry about up-front attorney fees. If you are fighting with AIG over an auto insurance claim, get the legal help you need. Contact Abels & Annes today by filling out our online form or by calling us at (312) 924-7575 to schedule a free consultation.