Chicago Injury Lawyers Blog

August 13, 2020

Illinois Court of Appeal Reverses Summary Judgment for Insurer in Bicycle Accident Claim Involving Policy Interpretation Dispute

There are many different rules that apply to filing a claim with your insurer for a bicycle accident. If you do not follow some of these rules, then you may find that your claim is denied. At Therman Law Offices, we are available to assist Chicago bicycle accident victims with protecting their right to compensation. This includes ensuring that insurers treat you fairly and do not take advantage of you. While you are coping with injuries and stressful disruptions in your life, we will provide you with the responsive and compassionate legal representation that you deserve.

In a recent appellate opinion, the Illinois Court of Appeal considered a claim in which an injury bicyclist filed a claim with his mother’s auto insurance after being struck by a hit and run driver. The insurance company denied the claim on the basis that the son did not follow the requirements of the insurance policy. Specifically, it argued that the policy required someone injured by a hit-and-run driver to report the accident to the police within 24 hours to as soon as practicable. In this situation, the son did not notify the police until 11 days after the accident.

The son filed an action seeking declaratory relief, which is a type of action that asks the court to resolve a particular legal issue or dispute. The plaintiff and the insurer both filed motions for summary judgment. The lower court agreed with the insurer and granted its motion for summary judgment, thereby ending the legal dispute.

August 6, 2020

Illinois Appellate Court Upholds Dismissal of Slip and Fall Claim for Lack of Constructive Notice to Brewery about Wet Floor

by Therman Law Offices, LTD.

A slip and fall accident can have devastating consequences for the victim. When we visit stores, restaurants, and other public establishments, we are trusting that the owner has upheld his or her duty to ensure that the premises is safe for us. When a property owner falls short on this duty, however, the outcome is a dangerous and potentially deadly situation. If you were injured in a Chicago slip and fall accident, the diligent and experienced lawyers at Therman Law Offices are standing by to assist you with exploring your right to compensation.

In a recent case, the Illinois Appellate Court was asked to consider whether a lower court properly granted summary judgment in a premises liability case involving a slip and fall accident. The plaintiff had spent a day drinking beer and repairing vehicles at his auto repair shop before he visited a craft brewery in Evanston. The plaintiff later entered the restroom at the brewery where he slipped on the wet floor and fell resulting in serious injuries to his back. He filed a negligence claim against the brewery along with a loss of consortium claim on behalf of his wife.

The trial court granted summary judgment in favor of the defendant on the basis that the plaintiff could not show that the defendant had constructive notice that the floor in and around the restroom was wet. Constructive notice means that a reasonable person through routine inspection would have known about the danger and had time to remedy it. This is in contrast to actual notice, which means that the defendant knew that the dangerous condition existed or was occurring.

July 21, 2020

Illinois Appellate Court Upholds Verdict for City in Bicycle Injury Accident Claim

by Therman Law Offices, LTD.

Although many personal injury accidents involve two private citizens, some claims involve a municipality. Whether it involves the unsafe design of a roadway or the failure to provide warnings about dangerous conditions on property under government control, claims against municipalities are common. There are different rules that apply when someone is suing a city or other local agency alleging that it engaged in negligent conduct and that he or she suffered harm as a result. There are some situations in which a municipality will be granted immunity from suit and it is critical to understand how these laws may apply to your claim. At Therman Law Offices, our Chicago personal injury lawyers are standing by and prepared to help you determine whether you have a valid claim against a local agency for your injuries.

A recent appellate opinion explores government immunity in negligence lawsuits. The plaintiff filed a claim alleging that he was injured when the front tire of his bike went into a hole created by a broken grating bar on a bridge in Chicago. The cyclist was traveling on the paved roadway of a designated bicycling route during morning traffic when the accident occurred. The complaint that he filed against the city alleged that it was negligent in failing to repair the hole and by making the bridge a part of the designated bicycle route even though the bridge was unreasonably dangerous. In general, the Illinois Court of Claims Act and the Governmental Employees Tort Immunity Act apply to negligence claims brought against the government and its employees. In general, a claim against a local government must be based on willful and wanton conduct and cannot simply be based on carelessness or simple negligence.

In response to the complaint, the city alleged that the bridge was reasonably safe, that the plaintiff was comparatively negligent, and that the city was protected from lawsuits regarding its design of bicycle routes through the government tort immunity laws in Illinois. After hearing evidence from witnesses and experts, the jury concluded that the plaintiff was contributorily negligent, that the city was entitled to immunity, and that the city was not negligent in its design of the bike path, including the bridge. The plaintiff appealed the lower court’s denial of a motion for a new trial among other allegations of error.

July 8, 2020

Illinois Appellate Court Reverses Summary Judgment for Insurer in Dispute about Interpretation of Underinsured Motorist Policy

by Therman Law Offices, LTD.

If you are involved in an auto accident, you are probably wondering how your insurance policy works and whether you will receive coverage from your insurer and any other insurers involved in the crash. In addition to pursuing a civil claim for damages from the person who caused your injuries, you can file an insurance claim to seek coverage benefits. This may sound straightforward, but insurance companies are notorious for hiding the ball and being unfair to insureds. At Therman Law Offices, we are available to assist you with all aspects of your Chicago car accident including ensuring that you receive the insurance coverage that you deserve in a timely fashion.

Recently, the Illinois Court of Appeal considered a case in which the plaintiff filed a declaratory judgment action asking the court to interpret an auto insurance policy that was issued to her and in effect at the time she was involved in an accident with an underinsured motorist. The total damages that the plaintiff suffered as a result of the accident was $250,000. The driver of the vehicle that caused the crash had a policy with a limit of $100,000. It paid this limit to the plaintiff without contest or litigation. The plaintiff then filed a claim with her own insurer for payment of underinsured motorist benefits. The limit for her Underinsured Motorist (UIM) policy was $250,000 as well as medical payments of $100,000. Her insurer paid the full medical payments coverage limit.

Next, the plaintiff’s insurer offset the $100,000 that the at-fault driver’s insurer paid from its $250,000 UIM limit and offset the $100,000 of medical payments it provided to the payment. It provided her with a check for $50,000. The plaintiff declined the check on the basis that it had no right to offset the medical payments against her total damages rather than the limits of liability. The parties both filed motions for summary judgment in the plaintiff’s declaratory judgment action and the court ruled in favor of the insurer. The plaintiff argued that the insurer improperly set off the medical payment benefits that it paid to her against the $250,000 UIM policy limit rather than her total damages of $350,000. The plaintiff appealed.

June 19, 2020

Illinois Court of Appeal Issues Opinion Interpreting UIM Policy Benefits in Car Accident Insurance Claim

by Therman Law Offices, LTD.

When you are injured in a motor vehicle accident, you may be able to receive insurance benefits from the policies involved in the crash including your insurer policy and the at-fault driver’s policy. This can sound like a straightforward process, but all too often an insurance company fails to play by the rules. Also, there are a number of rules that apply to your insurer’s ability to recoup any benefits paid to you from a settlement or judgment entered in your favor in a corresponding civil case. The seasoned Chicago car accident lawyers at Therman Law Offices are available to assist you with understanding your right to insurance coverage following a car accident.

Recently, the Illinois Court of Appeal considered a case in which the plaintiff appealed two orders of summary judgment entered in favor of the defendant, an insurance company. The plaintiff had filed an action seeking a declaratory judgment asking the court to interpret an insurance policy that was issued to the defendant and active at the time the parties got into an accident. The plaintiff suffered injuries when she was hit by an underinsured motorist. Her damages totaled $350,000.

The insurer for the at-fault motorist provided the policy limits of $100,000. The plaintiff then applied for underinsured motorist coverage with her own insurance company to recover the outstanding damages, including a $250,000 coverage limit and $100,000 in medical payments. Her insurer provided the $100,000 medical payment coverage. It then offset the $100,000 paid by the at-fault driver’s insurance company and the $100,000 in medical payments to conclude that the plaintiff was entitled to $50,000. The plaintiff declined the offer and filed an action seeking a declaratory judgment from the court explaining the proper interpretation of the policy.

June 8, 2020

Illinois Appellate Court Discusses Government Tort Immunity in Multiple Fatality Railroad Crossing Accident Case

by Therman Law Offices, LTD.

When you suffer an injury as the result of the negligence or recklessness of a government actor, there are different rules that apply to how you must proceed with your potential personal injury claim. Illinois law recognizes government immunity from certain tort claims through the Local Governmental Tort Immunity Act. If you or a loved one was injured as the result of a government actor, it can be incredibly difficult to understand how this statute may impact your right to recovery. The seasoned Chicago personal injury lawyers at Therman Law Offices are prepared to assist you with understanding your potential rights.

Recently, The Illinois Court of Appeal issued an opinion in a case against a local government entity alleging that it was responsible for the death of multiple parties in a collision that happened at a railroad crossing. The facts of the dispute are as follows. A woman was driving four of her children to a local Halloween parade. She was approaching a railroad crossing on Sixth Street following a line of traffic approaching the parade grounds. As she was crossing the tracks, traffic stopped suddenly and the railroad crossing initiated. The gates closed and the woman was unaware of an approaching train. She attempted to drive forward away from the tracks when the car was struck by an eastbound freight train traveling 46 miles per hour. Only one occupant of the vehicle survived the collision.

The administrator of the decedents’ estate brought a negligence action against multiple parties including the local city. The city filed a motion to dismiss itself from the lawsuit on the grounds that it was immune from tort liability under the statute. The lower court certified the issue of whether the city was immune, which means it asked the appellate court to issue an opinion providing guidance on the issue. The lower court also certified a question asking whether the city owed the woman driving the vehicle and the occupants of her car a duty to keep them safe from hazards associated with the railroad crossing.

May 29, 2020

Illinois Appellate Court Upholds Dismissal of Back Injury Case on Basis of Judicial Estoppel

by Therman Law Offices, LTD.

When you file a personal injury action or any type of legal claim, it is critical to take the process seriously and to abide by the many procedural and substantive rules that Illinois law requires. Navigating the legal system after suffering a painful injury can be incredibly overwhelming and stressful for an injury victim. The seasoned Chicago personal injury attorneys at Therman Law Offices are available to assist you with exploring your legal rights and securing the compensation that you deserve.

A recent opinion from an Illinois Court of Appeal highlights the importance of following the rules in litigation. In the underlying case, the plaintiff filed a personal injury lawsuit against a company alleging that he slipped and fell on polystyrene debris that it negligently left on the floor of its warehouse. The plaintiff worked for another company that contracted with the first company to remove and bail the polystyrene. The complaint was filed on December 31, 2015.

Roughly two years later, the plaintiff filed for Chapter 13 bankruptcy in Arizona. In his paperwork, he did not disclose the pending personal injury lawsuit. A bankruptcy petition is made under oath and subject to perjury laws. These are laws that punish individuals for falsifying information under oath. A few months later, the plaintiff sent the defendant a written offer to settle the personal injury lawsuit in the amount of $1.2 million. Throughout this period, the plaintiff made a number of amendments to his bankruptcy schedules identifying his assets.

In September 2017, the bankruptcy court confirmed a repayment plan for the plaintiff. In December, the defendant in the civil lawsuit filed a motion for summary judgment on the basis that the plaintiff lacked standing to pursue the claim and that he was judicially estopped from seeking legal action when he failed to disclose it in the Chapter 13 bankruptcy petition. The plaintiff eventually amended his bankruptcy schedule to include the personal injury action.

May 14, 2020

Illinois Appellate Court Discusses Statute of Limitations Discovery Rule in Traumatic Brain Injury Case

by Therman Law Offices, LTD.

One of the most important considerations in a personal injury case is ensuring that you file your claim before the statute of limitations expires. The statute of limitations is a law that provides a specific timeframe within which a claim must be filed. Illinois law provides different time frames for different types of injuries and follows the discovery rule, which states that the statute of limitations may be tolled until the time when the victim could have reasonably first discovered that he or she suffered injuries due to someone else’s negligence. As dedicated Chicago personal injury attorneys, Therman Law Offices is standing by and ready to assist you with ensuring that you file your claim in compliance with the statute of limitations.

A recently issued appellate opinion in a case involving a football player who suffered a series of traumatic brain injuries highlights how the statute of limitations can be a critical issue in pursuing compensation. The football player filed a disability insurance claim in 2013 after suffering a concussion that ended his career. He also filed a civil claim against helmet manufacturers for the medical conditions that he suffered.

The defendant responded to the claim by saying that it was barred due to the two-year statute of limitations that applies to personal injury actions in Illinois. According to the defendant, the plaintiff was first aware of his injury in 2013 when he filed the disability insurance claim but did not file his personal injury claim until 2017. The lower court agreed with the defendant’s application of the statute of limitations and dismissed the plaintiff’s case. The plaintiff filed an appeal.

April 28, 2020

Illinois Appellate Court Denies Motion to Compel Arbitration in Nursing Home Wrongful Death Case

by Therman Law Offices, LTD.

Few things are more painful than learning that your loved one suffered abuse and neglect while in a care facility, especially if it leads to his or her unfortunate death. The compassionate and responsive Chicago nursing home abuse lawyers at Therman Law Offices are available to discuss your potential claim against the care facility and/or individuals who are responsible for your loved one’s harm. Although no amount of money can truly make your family whole again after an unnecessary and avoidable loss, it can help ease the financial burden associated with the situation. Contact us today to learn more about your rights and potential options.

In a recent case, the estate of a woman who died at a nursing home as a resident brought a claim against the facility alleging that the operators of the facility were negligent in causing her death and also caused her to suffer before her passing. More specifically, the estate alleged that the facility failed to provide appropriate care and that this resulted in a broken hip.

The defendant responded to the case by filing a motion to dismiss and compel arbitration of the dispute and attached a copy of the voluntary arbitration agreement that the decedent signed when she was admitted. The estate argued that the woman did not have the appropriate mental capacity to enter into the agreement when she signed it. The court rejected this argument and entered an order compelling arbitration of some of the claims in the case. It stayed the wrongful death claim until the arbitration was completed.

April 14, 2020

Illinois Appellate Court Affirms Summary Judgment for Bar in Premises Liability Accident Based on Finding of Sufficient Warnings

by Therman Law Offices, LTD.

Premises liability accidents involve situations where someone is hurt on another person’s property due to the failure of the owner or operator of the property to exercise reasonable care in keeping the premises safe. This means that a premises liability accident can happen virtually anywhere. After you are injured, it can be challenging to know the best way to go about collecting the compensation that you may be owed from a careless owner. At Therman Law Offices, our Chicago personal injury lawyers are prepared to help you explore your potential case and assert your rights.

In a recent claim, an Illinois Court of Appeal considered a case in which the plaintiff alleged that he was injured when he came into contact with a wall heater at the defendant’s establishment, a bar located in Pekin. The establishment had a beer garden functioning as an outdoor smoking area. In the smoking area, a gas-powered heater was mounted on the wall with a sign above it that said, “Heater is hot. We are not responsible for your silly ass getting too close!! Thanks, Pottsie’s.”

The plaintiff alleged that he backed up to the heater to get warm and was swaying back and forth as he was standing. He leaned back to scratch his shoulder and the flannel shirt that he was wearing caught fire due to coming into contact with the heater. He suffered injuries as a result of the incident. An EMT who responded to the accident recorded notes indicating that the plaintiff consumed approximately eight beers during the evening on which the accident took place. The plaintiff also admitted being intoxicated on the same evening.