One of the biggest headaches that people face after a motor vehicle collision is negotiating with insurance companies and navigating their insurance policies. Not all policies are the same, and insurance companies often bury key language in legalese or at the end of the document. Knowing when you need to submit certain pieces of information or identifying key deadlines is critical. At Therman Law Offices, our team of Chicago car accident lawyers is standing by to help you make sense of your insurance policy and to ensure that you are treated fairly.
A recent appellate decision highlights the complications that can arise with insurance claims after a car accident. The plaintiff was involved in a motor vehicle crash in 2007 with an uninsured driver. The plaintiff promptly notified her insurance company of the accident. She kept in contact with her assigned insurance representative and updated the representative about her medical treatment and missed work.
In 2009, the plaintiff demanded arbitration with her insurer but did not include the name of the arbitrator whom she intended to use. The insurer denied the request and filed a declaratory judgment action against the plaintiff, asking for a declaration that her demand for arbitration was untimely because it was not submitted within the two-year time period required in the policy. The plaintiff filed a counterclaim, seeking a declaratory judgment and requesting arbitration. This time, the plaintiff included the name of an arbitrator.