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Chicago Hartford Insurance Auto Injury Claim Lawyer

Were you involved in an accident by a driver insured by the Hartford Insurance Group? Was the crash the result of the other driver's negligence? If so, you likely have legal rights to seek financial compensation to recover your damages through insurance coverage.

The Chicago accident attorneys at Rosenfeld Injury Lawyers LLC have represented thousands of victims injured in accidents. We do not represent insurance companies but help the injured party seeking monetary recovery to pay their medical expenses and recoup lost wages and non-economic damages, including pain and suffering.

We accept all personal injury cases and auto accident lawsuits through contingency fee arrangements to avoid you making any upfront payments for our legal services. If you need an experienced personal injury law firm to represent your best interest when dealing with the Hartford insurance group, contact our office to schedule an appointment for free legal advice.

Our attorneys currently represent clients throughout the United States, including in Illinois, New Jersey, New York, Connecticut, Michigan, Texas, and Wisconsin.

Hartford Insurance Car Accident Injury FAQs

Below are some frequently asked questions related to auto injury claims with Hartford Insurance. We appreciate that you may have additional questions about your situation, we welcome you to contact our Chicago, IL car accident attorneys for a free consultation regarding your legal options.

Is Hartford a Good Insurance Company?

According to Moody's and the S&P (Standard and Poor) ratings, Hartford auto insurance ranks excellent in financial strength, receiving an A+ rating for years.

For policyholders, Hartford Insurance Company has sufficient financial assets to ensure that all claims are paid timely. Hartford will pay injury victims for their medical bills, hospitalization costs, lost wages, medical treatment for serious injuries, and funeral benefits for wrongful death.

Does Car Insurance Cover an Accident?

Policyholders maintain insurance coverage to pay for damages caused by an automobile accident. The liability insurance pays for the cost of property damage repairs and all victims' medical expenses.

However, the policy limits likely restrict the amount of compensation to $100,000 per injured victim, with a total of $300,000 or less payout for all damages in a single accident.

What Damage Does Car Insurance not Cover?

Bodily injury liability insurance covers nearly all parts of an automobile accident, usually paid by the driver at fault for causing the collision. The amount of money paid out will cover repair costs to damaged property but not regular wear and tear or mechanical breakdowns.

The auto insurance policy limits will restrict the amount paid out to all accident victims. Usually, an injured victim will receive up to $100,000 to cover the extent of their damages with a limit of $300,000 payout for all claims involving the same crash.

How do You Argue With an Insurance Adjuster?

The driver at fault will notify their insurance company that'll hire a claims adjuster to handle your compensation case. Within days or weeks, the adjuster will likely offer you an initial settlement to resolve your claim.

However, it would be best if you always refused the first offer and instead analyze how they determine exactly how much you are entitled to receive for your injuries and damages.

Next, make a counteroffer in writing that itemizes the extent of your injuries and damages. Finally, send the counteroffer in writing to the claims adjuster and begin the negotiation process to resolve your personal injury claim for its real value and not what the claims adjuster says its worth.

Can You Keep the Money From an Insurance Claim?

Once you file an insurance claim seeking compensation for your damages, the insurer will fulfill their responsibility by giving you a payout check based on the agreed settlement amount. Typically, you can keep the money and spend on anything you choose.

Do Insurance Adjusters Lie?

The claims adjuster has years of experience in getting victims to provide a recorded statement to tell their side of the story. However, the adjuster will attempt to get you to slant your story toward their side when saying what precisely happened.

Instead, stand your ground so you are not misled when providing your statement so that your words are not used against you when they offer a settlement check. If necessary, hire a car accident attorney who handles 'bad faith' offers.

Filing a Claim Against Hartford

If you suffered an injury caused by another motorist's negligent actions, you would likely need to follow one or two scenarios to obtain compensation. You might have to file a third-party claim against the insurance company covering the defendant, or you will file a claim against your own insurance company's policy, mostly if the other driver was an underinsured or uninsured motorist.

Either way, you will likely need to negotiate on your behalf with the insurance carrier or the Hartford insurance claims adjuster, which could be devastating to the outcome of your auto accident claim.

All insurance companies, including Hartford Insurance Company, Sentinel Insurance Company, and Hartford Casualty Insurance Company, and casualty insurance affiliates use proven tactics and their extensive negotiation skills to minimize the amount of payout they give victims filing claims. The insurer does this to maximize their profits for their shareholders.

Because of that, many injured victims will hire a personal injury attorney to handle the negotiation process and build the case to take the trial if the insurance carrier is unwilling or unable to make a settlement offer in an amount the victim deserves.

Insurance Solution Options

While the Hartford Insurance Group does not rank in the top ten largest insurance companies in the United States marketplace, they still generate billions of dollars in premiums and millions in profits every year to the joy of their shareholders.

For over two centuries, the Hartford Financial Services Group has offered insurance solutions to individuals and companies. The insurance carrier remains a Fortune 500 company and focuses primarily on insurance and investment products that include:

  • Individual Insurance – The Hartford offers personal insurance policies for everyday items, including cars and homes and products like employee benefits and retirement services. It markets these products primarily through its expansive network of employees, agents, and an AARP partnership (AARP auto insurance program).
  • Business Insurance – The Hartford offers diverse insurance solutions for businesses of any size. The company can ensure commercial properties, casualty losses, company vehicles, and professional negligence. Hartford Fire Insurance Company provides fire and smoke coverage.
    Hartford Underwriters Insurance Company sells flood insurance and natural disaster coverage in nearly all fifty states, including Illinois. Their business interruption insurance expedites the claims process.
  • Investment Funds – The Hartford Insurance Company manages many mutual funds through the advice of Wellington Management. Their mutual funds offer investors the opportunity to purchase an investment vehicle geared towards fixed income with transparency and redeemability.

In recent years, Hartford has seen a significant rise in the number of litigation cases that have gone to trial by injured victims who were unwilling to accept lowball settlement offers from the insurance carrier. Many of these plaintiffs have sought monetary compensation for property damage, injuries, and losses.

The Hartford Claims Process

Filing a claim and receiving fair compensation to recover from considerable damage is not always a painless process from the Hartford. While many victims receive a settlement offer negotiated out of court, others must take their case to trial, and plates help with both the insurance company and the policyholder unwilling to pay the victim what they deserve.

According to Illinois state law, claimants must file a claim for compensation before the statute of limitations expires in their case. However, because determining when the clock begins to run out can be challenging, many victims will hire a personal injury attorney to determine when they should file a claim for compensation in the appropriate courthouse.

According to the Hartford website, victims can file a claim for compensation for an automobile accident, general claims, and property damage by phone at (800) 327-3636 or through mail correspondence at:

The Hartford Financial Services Group, Inc.
One Hartford Plaza
Hartford, CT 06155

Delaying or Denying the Claim

Unfortunately, the Hartford and other insurance companies will delay or deny a claim in bad faith by being unwilling to offer a settlement, hoping that the victim will only go away or use their insurance policy for financial recovery.

This scenario often occurs after the insurance company asks the victim to provide a written or oral statement about what happened only to determine that their policyholder might not be partially or entirely at fault for causing the accident.

Specific red flags that the insurance company is acting in bad faith and are likely to deny or delay a claim will involve:

  • Requesting independent medical exams by physicians with specialties for problems not associated with the victim's injuries,
  • Making massive numbers of requests to obtain duplicate documentation,
  • Denying the claim without giving the victim any real explanation of why it is denied or not offering evidentiary proof,
  • Not deciding on settling the complaint within a reasonable time frame,
  • Not identifying any relevant benefit or policy information concerning the victim before denying the claim

Using a seasoned litigation car accident lawyer with years of experience in resolving cases denied can be highly beneficial to the victim facing an uphill battle with an insurance company unwilling to offer a reasonable settlement amount.

Get Legal Help for a Chicago Auto Claim Involving Hartford

Are you overwhelmed with filing and resolving a claim for compensation through Hartford or another insurance company? If so, the personal injury lawyers at Rosenfeld Injury Lawyers LLC can now provide you and your family legal assistance. Let our team protect your rights and provide many options on how to proceed.

Our lawyers' success rate and extensive experience helped us obtain millions on behalf of our clients by filing cases against all major insurance companies, including The Hartford Insurance Company and others in the insurance industry. We encourage you to contact us today at (888) 424-5757 to schedule a free initial consultation.

We accept all personal injury claims and lawsuits through contingency fee agreements. This arrangement will postpone legal fee payments for all our legal services until we have successfully resolved your case through a jury trial award or negotiated out of court settlement.

Our "No Win/No-Fee" Guarantee promises that you will not pay us anything if we are unable to secure monetary compensation on your behalf. All discussions with our law office remain confidential through an attorney-client relationship.

Our attorneys follow social distancing guidelines to prevent the spread of Covid-19 (coronavirus).


Read what the people we have helped have to say!

"I cannot thank Rosenfeld Injury Lawyers enough for representing me in my accident case. I was severely injured and in the hospital for nearly a week, scratching my head about what to do. I am thankful I found the Rosenfeld legal team that was awesome throughout the entire process until they negotiated a settlement with the other driver’s insurance company. The law firm took great care to protect my interests of which I am extremely grateful. They are by far, hands down, the best attorneys I have ever used."

Jason C. – Elk Grove, Illinois

"If you are looking for a great professional legal firm committed to ensuring your rights are protected, I encourage you to use Rosenfeld Injury Lawyers, the attorneys who represented me in my vehicle accident case. My wife was severely injured, and I suffered a concussion after another driver sideswiped our car while we were on her way home from work. After scheduling an appointment to speak with Jonathan, we came away feeling we had found the right law firm to represent us in our case. Our attorneys developed an effective game plan to ensure we would receive compensation and executed the plan flawlessly. Their attention to detail and their regular communication updates with us made us feel empowered that we could win our case against the other driver who continually made claims that the accident was not his fault. We highly recommend you use Jonathan and his legal team to handle any accident case you have. Two thumbs up."

Charles and Rebecca W – Batavia, Illinois

Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa