Insurance Claims

Home/Practice Areas/Insurance Claims

Chicago Insurance Claims Attorneys Fight for all the Insurance Proceeds Your Deserve

Helping Illinois plaintiffs negotiate with insurance adjustors and try jury cases when insurance companies are unreasonable

In most personal injury cases, it is not the person or business that caused the accident who writes you a check for the damages. It is the insurance company for that person or business that pays. Car owners in Illinois are required to have minimal insurance coverage in case an accident occurs. Most homeowners and business owners have premises liability insurance to cover the cost of any settlement or verdict. Doctors and health care providers carry medical malpractice insurance. Most businesses have some form of general liability insurance to pay for any kind of harm they cause.

At Gainsberg Law, our Chicago insurance claims lawyers understand insurance law and insurance litigation. When an accident happens, we inform the injured person that they should not settle with any insurance companies that contact them. It is much better to have an experienced negotiator handle the negotiation process. Cases should not be settled until the person hurt knows the full extent of their injuries. A skilled lawyer understands what the case is worth, what first offer to make, and when to reduce any offers.

What is a third-party claim?

In legal language:

  • The first party, also called the insured, is the car owner, homeowner, business or professional who wants to make sure they have enough money to pay damages if someone else is injured.
  • The second party is the insurance company that the insured contracts with. The insured pays the insurance company monthly or regular premiums in return for the pledge by the insurance company to pay any valid claims.
  • The third party is the person who is hurt, or in death cases, it is the family or beneficiaries of the person who is killed.

Third party claimants usually demand the following payments when the first party causes them harm:

  • All medical bills. This payment includes all necessary hospital stays, doctor visits, medications, and medical devices the injured person needed or may need.
  • Property damage. If personal property, such as a vehicle, is damaged in an accident, the victim can ask to be compensated.
  • All lost income. Typically, this means lost salary, lost wages, or lost self-employment income.
  • Pain and suffering. This sum is for the physical anguish and emotional anxiety the injured person suffers on a daily basis.

In wrongful death cases, the damages include the loss of financial support and the loss of emotional support the deceased would have given to family members.

Our Chicago insurance claim lawyers demand all the damages the law allows when someone else is liable for your injuries.

Common types of insurance policy disputes we handle

Our Chicago insurance claims lawyers are ready to legally force the insurance company to meet its obligations. We bring lawsuits in the following types of actions:

  • Car and other accidents. When accidents happen, there are two basic types of claims – first party and third party. In first-party claims, the insured seeks to have his/her own company pay benefits. In third-party claims, the insured seeks to have the insurance company for the person who caused the accident to pay. If, for example, you suffered an accident worth $100,000 and the person that crashed into you only had $30,000 in coverage, then we work to get that $30,000 third-party claim paid and then to get your own company to pay the balance through the underinsured coverage on your policy.
  • Personal injury. Many accidents that injure or kill people are due to reasons other than a vehicle accident. Personal injury can occur because someone didn’t keep their property safe, because of medical malpractice, due to defective product design, nursing home abuse, or a variety of reasons. In most personal injury actions, after we settle the case or obtain a verdict, we seek payment from the insurance company that covered the person or entity at fault.
  • Medical malpractice. Doctors in Illinois who injure a patient because of an improper diagnosis, failure to perform the correct procedure, failure to get an informed consent, or other medical error and required to pay for their medical malpractice. Doctors should have medical malpractice insurance to cover the cost of the pain and suffering, additional medical procedures, and lost income the cause.
  • Life insurance. Insurance policies have two main provisions — payment of a preset amount on death and a designation of beneficiaries. Disputes resolve around how the person died, whether the premiums were paid, which beneficiaries are entitled to the proceeds, and other matters. The person who dies is the first-party. The beneficiaries who are making the claims are the third-parties.

Speak with a professional Chicago insurance attorney to get prompt and full payment of your claim

When it comes to insurance claims, being represented by a Chicago lawyer who focuses on working with insurance companies can make it much easier to settle any claim disputes that may arise. At Gainsberg Law, our Chicago insurance lawyers will review your claims and advise you of your legal rights under your policy. We are fully prepared to help in litigating any disputes involving insurance claims. Please contact us at 312-313-1621 or through our contact form to get answers now.

Free Case Evaluation

No-Obligation Case Review

  • This field is for validation purposes and should be left unchanged.
Chicago Injury Attorneys

Our Testimonials

J.O., Indiana

"Neal Gainsberg at first represented me in a Chapter 13 Bankruptcy case. He explained everything to me and developed a payment plan that I could afford. Whenever I had any questions, Neal responded quickly to any emails or phone calls. Unfortunately, I lost income during my plan, and Neal recommended that I convert the case to a Chapter 7 case. Despite my worries about my finances, Neal made everything easy for me, converted the case, and made sure that I received a fresh start. Neal was very knowledgeable about bankruptcy law, and I highly recommend him as a bankruptcy lawyer."

J.O., Indiana

2016-11-21T16:42:07+00:00

J.O., Indiana

"Neal Gainsberg at first represented me in a Chapter 13 Bankruptcy case. He explained everything to me and developed a payment plan that I could afford. Whenever I had any questions, Neal responded quickly to any emails or phone calls. Unfortunately, I lost income during my plan, and Neal recommended that I convert the case to a Chapter 7 case. Despite my worries about my finances, Neal made everything easy for me, converted the case, and made sure that I received a fresh start. Neal was very knowledgeable about bankruptcy law, and I highly recommend him as a bankruptcy lawyer."

N.S., D.S., Chicago, IL

"Neal Gainsberg was our lawyer in a car accident case. We were both injured in addition to our 16 month old daughter. Even though the other driver ran the red light and we had witnesses of her illegal conduct, her insurance company at first denied our claim and said it was our fault. We hired Neal and he fought the insurance company hard. Without having to go to court, he was able to convince the insurance company that it was their driver’s fault. Neal got a great settlement for us and our child within three months of the accident. We were very happy with Neal, he kept us informed about everything, and eased our stress from the accident. If you want an excellent car accident attorney, you need to hire Neal!"

N.S., D.S., Chicago, IL

2016-11-21T19:33:43+00:00

N.S., D.S., Chicago, IL

"Neal Gainsberg was our lawyer in a car accident case. We were both injured in addition to our 16 month old daughter. Even though the other driver ran the red light and we had witnesses of her illegal conduct, her insurance company at first denied our claim and said it was our fault. We hired Neal and he fought the insurance company hard. Without having to go to court, he was able to convince the insurance company that it was their driver’s fault. Neal got a great settlement for us and our child within three months of the accident. We were very happy with Neal, he kept us informed about everything, and eased our stress from the accident. If you want an excellent car accident attorney, you need to hire Neal!"

K.R., Chicago, IL

"After my former lawyer refused to continue with my auto accident case, Neal Gainsberg took over the case, and he was able to obtain a settlement for the other driver’s policy limits. He was actively involved in my case, returned all my calls, and explained any issue that I had during the case. After I spoke with Neal, he was able to resolve any problems or issues. Neal provided exceptional representation against the insurance company for the other driver. Since Neal settled my case, I have recommended him to my family members and friends. If you have a legal issue, you should call Neal and hire him to be your attorney."

K.R., Chicago, IL

2016-11-21T19:21:53+00:00

K.R., Chicago, IL

"After my former lawyer refused to continue with my auto accident case, Neal Gainsberg took over the case, and he was able to obtain a settlement for the other driver’s policy limits. He was actively involved in my case, returned all my calls, and explained any issue that I had during the case. After I spoke with Neal, he was able to resolve any problems or issues. Neal provided exceptional representation against the insurance company for the other driver. Since Neal settled my case, I have recommended him to my family members and friends. If you have a legal issue, you should call Neal and hire him to be your attorney."

J.T., Chicago, IL

"Neal Gainsberg was a great lawyer. He represented me at a small claims trial and obtained a great result. Neal was there for me and answered all my questions even though my case was not that large."

J.T., Chicago, IL

2016-11-21T19:21:23+00:00

J.T., Chicago, IL

"Neal Gainsberg was a great lawyer. He represented me at a small claims trial and obtained a great result. Neal was there for me and answered all my questions even though my case was not that large."

L.G., Chicago, IL

"Neal Gainsberg helped me obtain long-term disability benefits. The insurance company denied my claim and cutoff my benefits even though I was set for surgery and there was no way I could work. Neal collected my medical records and letters from my doctors and had my benefits reinstated. I have had no issues with the insurance company once I hired Neal."

L.G., Chicago, IL

2016-11-21T19:19:37+00:00

L.G., Chicago, IL

"Neal Gainsberg helped me obtain long-term disability benefits. The insurance company denied my claim and cutoff my benefits even though I was set for surgery and there was no way I could work. Neal collected my medical records and letters from my doctors and had my benefits reinstated. I have had no issues with the insurance company once I hired Neal."

V.S.G. and M.G., Richton Park, IL

"Neal is a great attorney. He helped us with several legal issues, including obtaining a large settlement for us following a car accident. He worked very hard on our case from the start, answered all our phone calls and questions, and kept us continually updated. Since then, we have used Neal for other civil matters. We have known Neal for over 13 years, and call him whenever we have a legal question. We know Neal will be there to help us."

V.S.G. and M.G., Richton Park, IL

2016-11-21T19:25:43+00:00

V.S.G. and M.G., Richton Park, IL

"Neal is a great attorney. He helped us with several legal issues, including obtaining a large settlement for us following a car accident. He worked very hard on our case from the start, answered all our phone calls and questions, and kept us continually updated. Since then, we have used Neal for other civil matters. We have known Neal for over 13 years, and call him whenever we have a legal question. We know Neal will be there to help us."

E.S., Chicago, IL

"Neal Gainsberg represented me in my Chapter 13 case. He knew all the details about bankruptcy and my case, explained everything to me in the beginning, made every issue easy to understand, and provided the help I needed during the five years of the plan. As a result of Neal’s legal assistance, I was able to make all my plan payments and get a fresh start. I highly recommend that anyone considering bankruptcy to give Neal a call."

E.S., Chicago, IL

2016-11-21T19:22:30+00:00

E.S., Chicago, IL

"Neal Gainsberg represented me in my Chapter 13 case. He knew all the details about bankruptcy and my case, explained everything to me in the beginning, made every issue easy to understand, and provided the help I needed during the five years of the plan. As a result of Neal’s legal assistance, I was able to make all my plan payments and get a fresh start. I highly recommend that anyone considering bankruptcy to give Neal a call."

M.T.G., Chicago, IL

"Neal Gainsberg took my personal injury claim against large store after I fell on water and injured my knee and back. The store employees disputed that anything happened and the manager accused me and my son, who witnessed the fall, of making it up. Neal brought a lawsuit against the store, took several depositions of the store employees, and obtained a great settlement for me and my family. Neal fought hard on my case, and I was very pleased with the results."

M.T.G., Chicago, IL

2016-11-21T19:18:57+00:00

M.T.G., Chicago, IL

"Neal Gainsberg took my personal injury claim against large store after I fell on water and injured my knee and back. The store employees disputed that anything happened and the manager accused me and my son, who witnessed the fall, of making it up. Neal brought a lawsuit against the store, took several depositions of the store employees, and obtained a great settlement for me and my family. Neal fought hard on my case, and I was very pleased with the results."

L.S., Chicago, IL

"Neal Gainsberg was an excellent attorney. He explained everything to me and made the process very easy. He was available to answer any questions and provided the help and representation that I needed. I would use Neal again if I had another legal issue. I urge anyone who is looking for a lawyer to call Neal."

L.S., Chicago, IL

2016-11-21T19:24:30+00:00

L.S., Chicago, IL

"Neal Gainsberg was an excellent attorney. He explained everything to me and made the process very easy. He was available to answer any questions and provided the help and representation that I needed. I would use Neal again if I had another legal issue. I urge anyone who is looking for a lawyer to call Neal."

R.P., Chicago, IL

"Neal Gainsberg is a smart and an aggressive lawyer. He did a great job on my case. He helped me with a money dispute with a former friend and obtained a judgment for me. Neal listened and paid attention to any question I had, answered my calls right away, and was there for me at every point during the case. He knew exactly what to do in court. If you are looking to get compensation, I highly recommend that you hire Neal."

R.P., Chicago, IL

2016-11-21T19:35:21+00:00

R.P., Chicago, IL

"Neal Gainsberg is a smart and an aggressive lawyer. He did a great job on my case. He helped me with a money dispute with a former friend and obtained a judgment for me. Neal listened and paid attention to any question I had, answered my calls right away, and was there for me at every point during the case. He knew exactly what to do in court. If you are looking to get compensation, I highly recommend that you hire Neal."

M.S., Chicago, IL

"Neal Gainsberg represented me in a personal injury case after a vehicle struck a motorcycle that I was riding on. Neal made sure I understood my rights as an injured party, and that I was receiving the proper medical attention. He did a great job in negotiating a settlement with the insurance company and making sure all my medical bills were paid and that I was compensated for my injuries and loss time at work. I recommend Neal as a lawyer to anyone who unfortunately is injured in an accident."

M.S., Chicago, IL

2016-11-21T16:41:13+00:00

M.S., Chicago, IL

"Neal Gainsberg represented me in a personal injury case after a vehicle struck a motorcycle that I was riding on. Neal made sure I understood my rights as an injured party, and that I was receiving the proper medical attention. He did a great job in negotiating a settlement with the insurance company and making sure all my medical bills were paid and that I was compensated for my injuries and loss time at work. I recommend Neal as a lawyer to anyone who unfortunately is injured in an accident."
Chicago BarIllinois BarYelpAvvoBBB
Text Us312-313-1621