Skilled Chicago Property Damage Attorneys Resolving Property Damage Claim Disputes
Representing policyholders throughout Illinois in property damage lawsuits
While some car accidents involve serious injuries to the vehicle’s occupants, most crashes incur only property damage. If your house is damaged in a fire, if hurricane or tornado blows through your area, or if vandals destroy your home or business, the property damage will likely be covered by insurance. What may be unclear is whether your insurance company will pay for the damage, or the insurance company for the person who caused the damage. Also, what steps might you take if you end up in a dispute with an insurance company about your claim?
At Gainsberg Law, we can answer all those questions for you and provide sound legal advice about your specific case. Our experienced property damage lawyers are approachable and they are prepared to protect your rights when you are dealing with property damage that was no fault of yours.
Here are just a few of the insurance companies that our clients have worked with that serve the Chicagoland area:
- State Farm
- The Hartford
- General Casualty
What is property damage?
Property damage describes injury to property that you can see and touch and the loss of the use of that physical property. It also pertains to the loss of use of property even if it was not damaged.
What is property damage insurance?
Property damage liability insurance is part of your auto insurance policy, and it covers the damage done to someone else’s car or other physical property that is caused by a crash for which you are responsible within the limits of the policy. This coverage does not include the damage done to your own vehicle, which is covered by comprehensive and collision policies.
What is uninsured motorist property damage coverage?
Uninsured motorist property damage insurance coverage, also called UMPD, per the personal finance site, Nerdwallet, is coverage that pays for property damage to your vehicle when someone without insurance hits your car. According to the Car Owner’s Blog, about 15% of Illinois drivers are uninsured. Uninsured and underinsured motorist (UM/UIM) pays for your bodily injuries but not property damage when someone with no insurance or not enough insurance crashes hits your car and injures you. In Illinois, UMPD is not required, however your insurance company must offer it to you if you do not have collision coverage.
I am involved in a dispute over my property damage claim. How can I resolve it?
Partially due to the motivation to make a profit and partially in reaction to rampant insurance fraud, some insurance companies routinely deny valid property damage claims. Your insurance policy is a contract between you and the insurance company. You agree to pay your monthly premiums, and they agree to cover you for valid claims. When your insurance company is being unreasonable and treating you unfairly in refusing to settle a legitimate claim that is within the limits of the policy in a timely manner, this may constitute insurance bad faith especially if by their denying your claim you have suffered financial hardship.
Once you have hit a dead-end trying to work with an internal review with the insurance company, you can file a complaint with the Illinois Department of Insurance and then hire a lawyer to file a lawsuit. If you are successful in proving insurance bad faith, you may be entitled to compensation for the following:
- The amount of the original claim that should have been paid
- Damages pertaining to hardship caused by the claim denial
- Attorney fees
- Punitive damages (in some cases)
At Gainsberg Law we take property damage claim dispute cases on a contingency fee basis, so you do not pay attorney fees unless we win compensation for you. Insurance companies tend to take a completely different stance when you hire an attorney to represent you. Do not try to go up against the big insurance companies and their tactics without an experienced, Chicago insurance dispute lawyer fighting for your interests.
Schedule a consultation with an experienced Chicago property damage insurance attorney who will protect your interests
When you have suffered property damage whether in an auto accident, a storm, or an act of vandalism, you need aggressive representation from a Chicago property damage lawyer who will demand justice on your behalf. At Gainsberg Law, our Chicago insurance lawyers will review your insurance policy and your claims. We will investigate the circumstances and offer legal advice about your case. You are encouraged to contact us at 312-313-1621 or complete our contact form to get answers now.