Chicago Travelers Insurance Car Accident Claim Lawyer
The Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC have resolved hundreds of Illinois auto accident claims on behalf of innocent victims hurt by Travelers Insurance policyholders' negligent actions.
Our years of experience ensures you receive maximum possible compensation from recovering your damages. If your losses are the result of another's negligence, we encourage you to contact us today for a free, no-obligation case evaluation by completing the online intake form or calling us at (888) 424-5757.
Let us begin working on your behalf now. Our attorneys currently represent clients throughout the United States, Illinois, and the Chicago area, including Cook County, DuPage County, Kane County, Lake County, Will County, Aurora, Chicago, Elgin, Naperville, and Schaumburg.
Travelers Insurance Car Accident Injury FAQs
How Much Does Your Insurance go up after an Accident With Travelers?
Minor accidents usually settle for $2000 or more in property damage on average. Minor crashes can increase Travelers Insurance premiums by more than $450 a year.
What is the Average Settlement for a Car Accident With Injuries?
Major car accident with serious injuries typically resolve for about $352,000 or less. Vehicle collisions with moderate injuries tend to settle for $152,000 or less.
Severe injuries and wrongful death claims typically settle for $750,000 or less, and cases involving extreme permanent or temporary injuries can settle for approximately $1.9 million or less.
Does Health Insurance pay for Auto Injuries?
Most health insurance policies will provide immediate medical care coverage to the injured victim involved in a car accident. However, medical care is not always paid for by the health insurer when other insurance policies are involved.
Your health care insurer might seek compensation from the negligent driver's insurance company after they pay your bills, at least up to the policy coverage limits. Your insurer might provide coverage if an underinsured or uninsured motorist injured you.
How do Insurance Companies Determine a Car's Value When Totaled?
Nearly all policies providing coverage for car and truck accidents use actual cash value (ACV) to pay the victim's vehicle totaled in an accident. The settlement amount is based on the cost of replacing the victim's exact car based on its mileage, age, and condition before the crash.
If you are responsible for causing the collision, your insurer will likely require that you pay your deductible as a part of the collision insurance coverage.
Who Pays for Medical Bills in an Accident?
The liability of who pays for medical bills can be complicated in accidents with multiple drivers at fault for the collision. All victims with psychological, emotional, or physical damage can claim compensation against all drivers at fault for the collision.
However, the driver will likely not pay the medical bills. Their policy coverage limits will cover all pertinent damages up to the policy limit.
How do I get the Most Money from a Car Accident?
Usually, within a day or two after the crash, you will likely receive a call from the insurance adjuster in charge of resolving your personal injury case. To ensure you, or a family member, receive adequate compensation in your car accident claim, you will need to:
- Remain at the accident scene and gather important contact information
- Gather and eyewitness accounts
- Call the police to file a report and received transport to the nearest urgent care center or emergency room, even if you believe you are not injured
- Follow the doctor's recommendations to ensure you receive adequate treatment for your diagnosis to ensure the best prognosis
- Report the collision to your family's insurance company
- Maintain accurate records of all your hospital expenses, medical bills, and lost wages
- Keep a diary of your recovery and the emotional and mental challenges you have while healing
- Go to every doctor's appointment to show the claims adjuster or jury that you are participating in your healing process
The value of a car, truck, or motorcycle accident is based on the crash's unique circumstances that might involve drunk driving, a violation of traffic safety, distracted driving, or hit and run.
Travelers: A Leader an Individual and Commercial Insurance
Travelers Insurance is a global corporate giant with offices all over the world, generating tens of billions of dollars in revenue annually. The company employs thousands of workers and agents and offers numerous products and services that include:
- Personal: For the everyday insurance consumer, Travelers Insurance offers multiple insurance products for their car, home, personal property, and other items.
- Business: Travelers Insurance offers numerous products for businesses, including property insurance, workers' compensation insurance, and casualty insurance.
- Specialty: Travelers Insurance provides highly specialized products for financial companies and processes, including underwriting.
With millions of policies in force, Travelers Insurance is exposed to claims and lawsuits by those injured or damaged by the company's policyholders. Travelers Insurance ranks 10th largest vehicle insurance providing companies in the United States.
The Hartford, Connecticut-based insurer offers consumers discounts on their products for safe driving, paying the policy in full, traveling low miles each year, and exclusive discounts for good students.
A Class Action Lawsuit Brought by Travelers Policy Holders
In 2010, the company settled a nationwide class-action lawsuit involving victims hurt by Hurricane Katrina and Rita. More than 35,000 Travelers members participating in the suit as plaintiffs claimed that the company refused to provide coverage for their damages and losses occurring in both massive storms as their hurricane coverage offered in their Travelers' policies.
Negotiating a Travelers Insurance Injury Claim Settlement After a Chicago Auto Accident
While many injured victims choose to settle their case out of court and conduct their negotiations with the Travelers Insurance Company or their claims adjusters, the process can be quite daunting. Many studies show that without legal representation, the victim is usually at a significant disadvantage against insurance companies with years of experience negotiating meager settlement amounts.
Some insurance companies will offer a low amount in a settlement offer to determine if the victim knows what they are doing. It is important to remember that all insurance companies, including Travelers, are more interested in satisfying their shareholders' financial needs over policyholders and injured victims.
To do that, they use proven strategies and tactics that have work done hundreds of thousands of other victims before. Because of that, many victims will hire personal injury attorneys who specialize in auto injury claims with a proven track record of obtaining the highest amount of compensation available.
Travelers Insurance Investigation Process for Auto Claims
At some point before Travelers Insurance offers you a settlement or negotiates the settlement process, they will conduct a comprehensive investigation into the accident to determine what happened, who is at fault, and the extent of damages, including personal injury or wrongful death.
Either the claims adjuster or insurance carrier will gather evidence and try to obtain testimony from various sources, including:
- The police report filed by law enforcement from information collected at the scene of the accident,
- Statements obtained from other drivers, passengers, and witnesses at the scene,
- Photographic evidence and measurements of the accident scene,
- Obtaining numerous repair estimates on the extent of damage to your vehicle,
- Any information provided by you through a written or oral statement
You will likely be asked to sign a medical authorization release form by the claims adjuster along with an employee records release form. However, our attorneys always advise our clients never to sign anything or speak about the accident or their injuries through a document or oral testimony without having a lawyer present who can protect their rights.
While the insurance carrier might suggest that they need this information, they often use what you provide as a tool to diminish the value of your case or deny your claim outright.
Instead, consider hiring lawyers to handle your case, speak to the insurance company, talk to the defendant's lawyers and present your statement or testimony in a way that safeguards your rights to seek and obtain financial compensation to recover your damages.
Your lawyer can adequately evaluate your medical conditions and present and to the insurance company in a legally protected way.
In some cases, the insurance company will hire investigators to surveyor activities in the hope of discrediting the severity of your injuries. Their findings might help to minimize their payouts to settle your claim to hold on to their profits at your expense.
Resolving Your Travelers Auto Case With Legal Representation
The easiest way to successfully resolve your claim and ensure your family receives adequate compensation is to hire a reputable law firm's legal representation. Lawyers working on your behalf can ensure you are not taken advantage of by the insurance company or the claims adjuster who might misconstrue what you say while building a case against you.
Moreover, an attorney can ensure that your settlement is not delayed or your case is denied without cause. Our attorneys suggest that you obtain legal advice and counsel at once after your motor vehicle accident before the claims adjuster calls asking for information.
Using an attorney can help you avoid many of the pitfalls used by insurance companies that work to protect their best interest and the interest of their shareholders.
Getting Justice for Your Illinois Auto Accident Injury Claim With Travelers Insurance
The process of filing and resolving a compensation claim through Travelers Insurance can be quite daunting because the Illinois civil tort law requires plaintiffs (victims) to prove how others are legally responsible and financially accountable for their damages.
As the accident victim, you will need to show that others' intentional actions or negligence led to your severe injuries or the wrongful death of a loved one. However, you do not have to go it alone.
Hiring an Illinois Travelers Auto Injury Claims Lawyer
The Chicago car accident lawyers at Rosenfeld Injury Lawyers (888-424-5757) provide victims legal assistance in filing in resolving insurance claims for compensation against Travelers insurance. Our legal team can determine your car accident case's actual worth and use proven strategies to ensure your family receives all available financial compensation under the insurance policy.
Our law firm accepts all personal injury claims and wrongful death lawsuits through contingency fee arrangements. This agreement will postpone your payments until after we have successfully resolved your claim for compensation or lawsuit through a negotiated out-of-court settlement or jury trial award.
We provide every client with a "No Win/No-Fee" Guarantee. This promise means that if we are unsuccessful at securing compensation on your behalf, you owe us nothing. Contact our experienced Chicago law firm today at (888) 424-5757 (toll-free phone call) or through the contact form to schedule a free consultation.
Time is of the essence because you must file all the necessary documents and paperwork in the proper courthouse before the statute of limitations expires on your case. All discussions with our personal injury lawyers remain confidential through an attorney-client relationship.