After a serious accident, the first phone call you receive will likely come from an insurance company. While their representatives may seem helpful, their goal is to limit the amount they pay you for your injuries. For families dealing with catastrophic injuries, understanding how to handle these conversations with the insurance company is important. The way you speak to an insurance adjuster can influence the value of your claim.
Talking to insurance companies after a Chicago catastrophic injury accident is not as simple as answering questions. Insurers train adjusters to gather statements that protect their company’s profit margin, not your future. After a catastrophic injury, one of our attorneys at Kaveny + Kroll Trial Lawyers can manage all communications with insurance companies on your behalf. Although we are a small firm, we have big firm experience and a proven record of success.
It is common for insurance adjusters to contact individuals who have been injured or their families within days of an accident. Their timing is intentional. When families are facing overwhelming medical care and financial uncertainty, they are more likely to make statements without fully understanding the consequences.
When speaking with a catastrophic injury victim, Chicago insurance providers will often ask for recorded statements and details about the accident and the injury. While these questions may seem routine, insurance companies have designed them to collect information that they can later use to minimize or deny your claim.
One of the most important things to remember when speaking with an insurance provider is that every word matters. Common mistakes when talking to an insurance company after a severe injury in Chicago include:
The best policy is to hire an experienced attorney who understands how to talk to insurance adjusters. At Kaveny + Kroll, we will alleviate the stress of dealing with the insurance company and speak with them on your behalf.
Catastrophic injuries often require years of medical treatment and long-term care. Insurance companies know this. However, they may offer early settlements that cover only immediate expenses. Communicating with your insurance provider after a catastrophic injury in Chicago and accepting a settlement before you know the full cost of rehabilitation, home modifications, or lost earning capacity can leave you without the resources you need in the future.
State law does not allow you to reopen a case once you have signed a release. This makes patience important. Waiting until you know all of your damages is typically the only way to secure compensation that reflects the full losses you sustained.
Talking to insurance companies after a Chicago catastrophic injury accident requires care and awareness. While insurance adjusters may act supportive, their role is to protect the insurance company’s interests. Understanding how to handle these conversations ensures that you do not accept less compensation than you deserve.
If you or someone you love has sustained serious injuries, it is important to protect yourself during every conversation with insurers. Contact our knowledgeable legal team at Kaveny + Kroll and let us handle communications with the insurance company to maximize your compensation.
Recovery for an 8-year-old girl whose four-limbs were amputated after a delay in the diagnosis and treatment of an infection, leading to severe septic shock.
Recovery for wrongful death of a husband and father of three due to undiagnosed aortic dissection in emergency department 2 days earlier.
Recovery for a 37-year-old man who suffered the partial amputation of both of his legs and one of his arms after a hospital failed to give him antibiotics for a serious infection (Featured in the Chicago Daily Law Bulletin).
Recovery for a 37-year-old police officer who suffered severe burns to his torso, arm, buttocks, and leg when a truck crashed into his stopped vehicle on the shoulder of the highway during a roadside assistance stop (Featured on local TV news stations and papers).
Recovery for a 33-year-old male who was left paraplegic and with limited ability to perform any of his daily activities after a brain arteriovenous malformation (AVM) was missed during a concussion evaluation.
Recovery for a brain-injured newborn after doctors failed to timely deliver the baby by cesarean section.
Recovery for a 47-year-old woman left brain damaged and quadriplegic due to a stroke she suffered after a resident, who was placing a catheter, punctured her subclavian vein.
Verdict for the wrongful death of a 40-year-old wife and mother of six children and her unborn seventh child after she suffered respiratory arrest due to pneumonia while in the hospital.
Recovery for the wrongful death of a 43-year-old husband and father of two adult children who was left brain damaged and comatose for four years following the failure to treat a severe asthma attack in the emergency department.
Recovery for a 63-year-old woman left permanently brain damaged after a delay in the diagnosis and treatment of a neurological disorder.
Verdict for death of husband and father due to failure to supervise in a residential home.
Verdict for the wrongful death of a 44-year-old man who died from a pulmonary embolism during a routine surgery to repair a dislocated knee.
Recovery for the wrongful death of a 36-year-old woman after a delay in the diagnosis and treatment of cervical cancer.
Recovery for the wrongful death of a 47-year-old wife and mother of three children who suffered brain bleeding while waiting in the ER to be seen by a doctor and have studies performed.
Recovery for the wrongful death of a 28-year-old young man whose appendicular cancer was not diagnosed until it had reached Stage IV despite repeated visits to doctors over several years.
Verdict for the wrongful death of a 40-year-old Hyatt executive who died after doctors failed to diagnose his colon cancer.
Recovery for the wrongful death of a 66-year-old man who died from a spinal cord injury.
Verdict for a 31-year-old woman who developed a flesh-eating bacterial infection following the surgical removal of her gallbladder, which resulted in the removal of nearly all of her abdominal muscle.
Verdict for the wrongful death of a Country Club Hills woman who doctors sent home without diagnosing or treating her pulmonary embolism.
Recovery for the death of a baby from infection after the parents had called his doctor’s answering service with an urgent message and no one returned their call.
Recovery for a family who lost their mother from an undiagnosed pulmonary embolism
Verdict for the wrongful death of a 44-year-old man who died from a pulmonary embolism after back surgery (a record verdict in Adams County).
Recovery for the wrongful death of a 49-year-old individual who died of negligently improper post-operative care at a Chicago hospital.
Recovery for a woman whose husband died due to his physician’s failure to diagnose him with a heart attack. The decedent presented to his primary care physician’s group with complaints of worse than ever chest pain and was diagnosed with heartburn and sent home without any cardiac workup or referral to cardiac services.
Recovery for the wrongful death of a 10-month-old baby boy who died from sepsis after contracting bacterial colitis, which went undiagnosed.
Recovery for a 25- year-old woman who suffered serious and life-altering injuries from an unnecessary surgical procedure to her ankle performed by a local podiatrist.
Recovery for a 33-year-old mother who underwent radical hysterectomy, radiation therapy, and chemotherapy after a delay in the diagnosis and treatment of cervical cancer.
Recovery for a Kane County baby girl left permanently disabled and disfigured after suffering shoulder dystocia during labor and delivery.
Recovery for a 31-year-old woman forced to have her leg amputated due to an infection arising from an unnecessary surgery doctors decided to perform.
Recovery for the wrongful death of a 54-year-old woman who went to the ER for COPD and was admitted but intubated incorrectly and lost oxygen to her brain resulting in death.
Recovery for a brain-injured newborn after doctors failed to timely deliver the baby by cesarean section.
Verdict for the wrongful death of a 40-year-old wife and mother of six children and her unborn seventh child after she suffered respiratory arrest due to pneumonia while in the hospital.
Recovery for an infant who suffered brain damage and developed cerebral palsy due to a delayed cesarean section after indications that the baby was not tolerating the labor well.
Recovery for a boy with cerebral palsy and other brain injuries whose mother’s pre-eclampsia went undiagnosed during a third trimester checkup.
Verdict for a boy who suffered a severe stretch injury at birth.
Verdict for a baby boy who suffered a brachial plexus (injury to his shoulder) during his delivery from severe force on him by the delivery doctor.
Recovery for a Kane County baby girl left permanently disabled and disfigured after suffering shoulder dystocia during labor and delivery.
Recovery for the death of a full-term infant baby girl at the time of delivery in DuPage County, Illinois.
Recovery for the wrongful death of a 64-year-old man and the debilitating injuries of a 62-year-old woman—both from southern Illinois—arising from a multi-vehicle pile-up on a highway in Albuquerque, New Mexico.
Verdict for the wrongful death of a 25-year-old helmet-wearing cyclist who was struck and killed by a truck.
Recovery for a 55-year-old Chinese immigrant whose leg was crushed by a Chicago Transit Authority bus making too-tight-a-turn at a downtown intersection. The 55-year-old woman was within the crosswalk at the time of the Chicago accident.
Recovery for a 29-year-old who suffered skull fractures, a traumatic brain injury, an 18-day coma, and partial quadriplegia after his pickup was broadsided by another vehicle, which was attempting to flee from a reckless and unnecessary police chase involving a minor traffic infraction (Featured in the Chicago Daily Law Bulletin).
Verdict for the family of a 25-year-old woman who was wrongfully struck and killed by a truck as she was riding a Divvy bicycle across a Chicago intersection (first ride share verdict).
Verdict resulting from an improper police chase. Fleeing suspect hit car driving through an intersection with mother in front seat and minor daughter in rear. Mother was killed. Entire accident was caught on a nearby CTA bus videocam (Featured in the Chicago Daily Law Bulletin).
Recovery for a 31-year-old woman who suffered permanent brain damage after she was struck by a public transit bus while jogging.
Recovery for a 34-year old man with significant brain damage requiring 24-hour supervision following an automobile collision on I-57 in Chicago.
Recovery for a River Forest police officer who suffered a fractured ankle and knee when his vehicle was struck by another car.
Recovery for the wrongful death of a 22-year-old Kendall County college student who was rear-ended by a Chicagoland food truck.
Recovery for a 34-year-old pedestrian whose leg was degloved after a Greyhound bus making a right turn pinned her against a downtown Chicago construction barrier.
Verdict for two women involved in a collision on the Kennedy Expressway in Chicago; one woman was killed, while the other suffered personal injuries and post-traumatic stress after witnessing her best friend’s death
Verdict for an unemployed Lake County woman’s injuries due to the broken leg she sustained when another vehicle crossed the centerline and struck her vehicle.
Verdict for an auto accident which occurred in Will County Illinois. Plaintiff’s injuries included a SLAP lesion, which required two surgeries.
Recovery for a 35-year-old DuPage County resident who suffered broken ribs, a torn knee ligament, and a mild, traumatic brain injury after a car crashed into his motorcycle.
Verdict for the wrongful death of a single mother who was struck and killed by a taxicab at the Milwaukee Avenue and Green Street intersection in Chicago.
Recovery for the wrongful death of a 43-year-old LaGrange Park husband and father of two who was killed in an automobile crash after a drunk driver crossed the centerline on Route 83 in DuPage County.
Verdict for a north suburban 20-year-old woman with a shattered pelvis after she was hit by a pizza delivery car while crossing the street within a crosswalk on her bicycle.
Recovery for the wrongful death of a 61-year-old man whose car was rear-ended by a Pepsi-owned vehicle while stopped at a red light.
Recovery for the wrongful death of a motorcyclist who was struck and killed by a motor vehicle while motorcycling in a “Toys for Tots” fundraiser parade.
Verdict for a 55-year-old man who suffered a traumatic brain injury when his car was rear-ended by a speeding truck.
Recovery for the wrongful death of an 18-year-old University of Illinois student who was struck and killed by a public transit bus while walking home from class.
Verdict for the wrongful death of a 13-year-old boy killed by an ambulance while riding his bicycle in Golconda, Illinois (largest reported verdict in Pope County).
Recovery in Grundy County for an 80-year-old man who had a head-on collision while crossing a bridge. His lifelong best friend and driver was killed in the accident.
Recovery for a woman with a fractured hip, broken rib, pulmonary contusion, and hernia after a truck crossed the center line on IL Route 47.
Recovery for a 31-year-old male who lost his left leg after the parked pick-up truck on which he was standing was negligently rear-ended by another vehicle.
Verdict for a non-English speaking Hispanic pedestrian hit by a truck while crossing a downtown street.
Recovery for the wrongful death of a mother and son killed in a truck/automobile accident in a newly-opened construction zone in Bartlett, Illinois.
Verdict for a mentally handicapped 19-year-old boy who suffered two broken legs when he was struck as he crossed the street.
Verdict resulting from an auto accident involving a 28-year-old woman who was a passenger in a vehicle when the vehicle was struck by a driver who crossed the center line. Her injuries included a broken collarbone and four subsequent doctor’s visits. Plaintiff rejected the final offer of $100,000.00.
recovery for a teenager with ankle injuries after his bicycle was hit by a speeding car ticketed for failure to yield the right of way.
Recovery for a 34-year old property adjuster in Dallas, Texas, left severely burned after being electrocuted by a dangerously-low-hanging electrical wire on a roof, about which the company had received complaints but failed to correct.
Recovery for three college students killed in an apartment fire when one fell asleep smoking. Apartment did not have working smoke detectors at the time.
Recovery for the wrongful death of a 24-year-old truck driver who was killed in an Adams County heptane gas explosion, leaving behind a wife and a 3-year-old daughter.
Recovery for a 29-year-old who suffered skull fractures, a traumatic brain injury, an 18-day coma, and partial quadriplegia after his pickup was broadsided by another vehicle, which was attempting to flee from a reckless and unnecessary police chase involving a minor traffic infraction (Featured in the Chicago Daily Law Bulletin).
Verdict resulting from an improper police chase. Fleeing suspect hit car driving through an intersection with mother in front seat and minor daughter in rear. Mother was killed. Entire accident was caught on a nearby CTA bus videocam (Featured in the Chicago Daily Law Bulletin).
Verdict for a 58-year-old public school principal whose reputation was damaged after she was wrongfully arrested, wrongfully charged, and wrongfully prosecuted following a fight involving six students at her school in which she merely called 9-1-1.
Verdict resulting from a false arrest of an 83-year-old African American woman when she failed to tell officers the location of her adult son residing outside Illinois, who owed child support (Featured in the Chicago Tribune.)
Verdict for a paralyzed 24-year-old female injured at O’Hare International Airport (highest compensatory verdict awarded to an individual in Illinois, and top five in U.S., excluding punitive damages).
Recovery for a 34-year old property adjuster in Dallas, Texas, left severely burned after being electrocuted by a dangerously-low-hanging electrical wire on a roof, about which the company had received complaints but failed to correct.
Recovery for a Rolling Meadows high school football player who became a quadriplegic after he was tackled by a teammate into an unpadded, 25 foot-high steel post located 11.5 feet from the sideline of the school’s practice field.
Recovery for a 47-year-old mother of two left paralyzed from the waist down after falling 11 feet through an unsecured, unbarricaded hole while viewing a home under construction in the Fox Run Estates subdivision in Schererville, Indiana.
Recovery for a Chicago high school student who was paralyzed during a pool-diving incident.
Recovery for an Asian grocer killed when a portable stove used for cooking in his store exploded and burned the majority of his face and arms.
Recovery for an Asian grocer killed when a portable stove used for cooking in his store exploded and burned the majority of his face and arms.
Verdict for the wrongful death of a 20-year-old Northern Illinois University student who was killed when a fellow student threw a cinder block from a third-floor fraternity balcony.
Judgment for a 52-year-old woman with permanent pain in her upper left arm following a trip and fall at a medical conference due to an overturned folding table left unattended by event staff.
Judgment for a 52-year-old woman with permanent pain in her upper left arm following a trip and fall at a medical conference due to an overturned folding table left unattended by event staff.
Recovery for the wrongful death of a construction worker who was impaled and killed when a piece of metal rebar was dropped by a subcontractor at a Chicago construction site.
Verdict for a 69-year-old window-treatment-installer who sustained a traumatic brain injury, thirteen skull fractures, severe cognitive, behavioral, and emotional deficits, and speech, vision, hearing, and memory impairments after he fell down a stairway while working on another’s property.
Verdict for a DuPage County resident with a shattered kneecap after a slip and fall due to a leak in the roof of the Ogilvie Transportation Center.
Recovery for a young woman who sustained a brain injury when the cable railing of a restaurant’s patio broke, allowing her to fall to cement sidewalk one floor below.
Recovery for a 15-year-old Lake County boy who suffers from post-traumatic stress disorder after he was violently attacked and injured by a 120-pound Bullmastiff dog which escaped through a large hole in a family’s fence and violently pulled him off his bicycle and onto the street.
Recovery for a young boy whose leg was amputated after an injury due to lack of safety devices on a conveyor belt.
Recovery for the wrongful death of a 13-year-old boy who was electrocuted when he urinated on the third rail.
Verdict for a 33-year-old veteran forced to undergo seven surgeries after his left foot was degloved when it was run over by a forklift while working at an international technology show at McCormick Place.
Recovery for a 34-year old property adjuster in Dallas, Texas, left severely burned after being electrocuted by a dangerously-low-hanging electrical wire on a roof, about which the company had received complaints but failed to correct.
Recovery for a 42-year-old Chicago construction worker whose leg was shattered when he fell 20 feet after the steel beam on which he was working collapsed.
Recovery for a 35 year old man who sustained injuries to his right tibia after being struck by a vehicle while working at O’Hare Airport
Recovery for a 39-year-old Cook County construction worker after a 1,600-pound steel beam was dropped on his right foot while working at a steel plant.
Recovery for the wrongful death of a construction worker who was impaled and killed when a piece of metal rebar was dropped by a subcontractor at a Chicago construction site.
Recovery for a 28-year-old elevator mechanic who lost his right arm and several fingers on his left hand after a hotel failed to replace defective cables which it had discovered produced an unusual black-tarry substance when in use.
Verdict for a 69-year-old window-treatment-installer who sustained a traumatic brain injury, thirteen skull fractures, severe cognitive, behavioral, and emotional deficits, and speech, vision, hearing, and memory impairments after he fell down a stairway while working on another’s property.
Recovery for a young boy whose leg was amputated after an injury due to lack of safety devices on a conveyor belt.
Currently seeking recovery on behalf of clients who have filed lawsuits against Abbott Laboratories, Inc. (“Abbott”), Mead Johnson & Company and Mead Johnson Nutrition Company (“Mead Johnson”). Babies born to these plaintiffs developed necrotizing enterocolitis (“NEC”) after they were fed infant formula manufactured by Abbott or Mead Johnson. NEC is a serious gastrointestinal problem that mostly affects premature babies and can lead to permanent injury or death.
Received financial compensation for the families of plaintiffs who were prescribed the pain medication Vioxx manufactured by Merck. The drug was found to cause heart attacks and strokes and has subsequently been withdrawn from the marketplace.
Verdict obtained on behalf of homeowners who lived near the Sterigenics facility and contracted various forms of cancer as a result of ethylene oxide (“EtO”) emissions into the environment by Sterigenics and its parent company, Sotera Health.
Verdict for a paralyzed 24-year-old female injured at O’Hare International Airport (highest compensatory verdict awarded to an individual in Illinois, and top five in U.S., excluding punitive damages).
Recovery for a 55-year-old Chinese immigrant whose leg was crushed by a Chicago Transit Authority bus making too-tight-a-turn at a downtown intersection. The 55-year-old woman was within the crosswalk at the time of the Chicago accident.
Recovery for a 31-year-old woman who suffered permanent brain damage after she was struck by public transit bus while jogging.
Recovery for a 34-year-old pedestrian whose leg was degloved after a Greyhound bus making a right turn pinned her against a downtown Chicago construction barrier.
Recovery for the wrongful death of an 18-year-old University of Illinois student who was struck and killed by a public transit bus while walking home from class.
Recovery for the wrongful death of a 13-year-old boy who was electrocuted when he urinated on the third rail.
Verdict against school district for sex abuse of two minor children by gym teacher off school grounds.
Kaveny + Kroll has filed suit against Northwestern University due to its failure to protect a student who was knowingly experiencing suicidal ideation and planning. The student jumped from a fourth story window and suffered two punctured lungs, multiple broken ribs, damage to internal organs, and traumatic brain injury. The case remains pending.
