Dealing with car accidents is stressful. But the situation can become even more complicated when your insurance provider is a nonstandard insurer, such as United Equitable, First Chicago Insurance, Direct Auto, or American Heartland. Nonstandard insurance companies typically serve high-risk drivers—those with prior accidents, tickets, or other red flags—and often attract complaints regarding claim delays and denied payouts.
If you’ve experienced issues with your car insurance provider after an accident, it’s essential to know your rights and consider consulting an experienced attorney like the Fabbrini Law Group to help protect your interests and maximize your compensation.
Understanding Nonstandard Insurance
Nonstandard car insurance caters to drivers considered high-risk due to factors like poor credit, driving infractions, or limited insurance history. These companies often provide minimal coverage at higher rates. Although nonstandard insurers serve an essential role by offering coverage to individuals who might otherwise be uninsured, policyholders sometimes report issues such as:
- Delayed claim payouts
- Inconsistent communication with customer service
- Disputes over liability or claim amounts
- Non-compliance with Illinois insurance regulations
Recent investigations by the Chicago Sun-Times highlight that some nonstandard insurers operating in Illinois—such as United Equitable and First Chicago Insurance—have faced numerous complaints regarding claim handling, leaving drivers frustrated and financially vulnerable .
Steps to Take After a Car Accident
If you’re involved in an accident and covered by a nonstandard insurer, follow these steps to protect yourself:
- Document the Scene: Take photos of all vehicles involved, license plates, road conditions, and any visible injuries. Collect contact information from witnesses, if available.
- Report the Accident to Your Insurer Immediately: Illinois law requires drivers to report accidents resulting in injury, death, or over $1,500 in property damage. Notify your insurer promptly to start the claims process.
- Request a Police Report: A police report is crucial in proving fault and supporting your claim. Ensure that you receive a copy for your records.
- Track All Communications with Your Insurer: Maintain a record of every phone call, email, and letter exchanged with your insurance company. This documentation can be essential if you face delays or disputes later on.
- Seek Legal Advice if Needed: If your insurer denies your claim or offers insufficient compensation, consult an experienced car accident attorney. Firms like Fabbrini Law Group specialize in personal injury and insurance disputes, helping you navigate complex cases and advocate for fair compensation.
Frequently Asked Questions (FAQs)
What can I do if my nonstandard insurer denies my claim?
If your claim is denied or significantly delayed, you have the right to appeal the decision. Consider hiring an attorney to review your case and negotiate with the insurer on your behalf. Attorneys familiar with Illinois insurance law can ensure the company meets its legal obligations.
How long does an insurance company have to settle a claim in Illinois?
Illinois law mandates that insurers respond to claims promptly and pay approved claims within 30 days. If there are delays, you can file a complaint with the Illinois Department of Insurance or seek legal counsel to speed up the process .
Can I switch insurance providers after filing a claim?
Yes, you can change insurers at any time. However, any active claims will still be processed by your previous insurer. Be sure to review your new policy to ensure it provides adequate coverage for future accidents.
What damages can I recover after a car accident?
You may be entitled to compensation for medical bills, vehicle repairs, lost wages, and pain and suffering. If your insurance company offers an unfair payout, an attorney can help you pursue the full amount through negotiation or legal action.
Why You Should Consider Legal Representation
Navigating a car insurance claim can be challenging, especially with nonstandard insurers. Companies like First Chicago Insurance or United Equitable have faced complaints about their claim-handling practices, leaving policyholders with inadequate support after accidents . If you encounter any resistance or unfair practices, legal representation can make a significant difference.
The Fabbrini Law Group offers expertise in personal injury cases, including those involving insurance disputes. Our team can help:
- Review your policy to ensure you understand your coverage
- Negotiate with insurers to maximize your payout
- File lawsuits if the insurer acts in bad faith
- Protect your rights throughout the entire process
Contact Fabbrini Law Group Today
Nonstandard insurance can serve as a lifeline for high-risk drivers, but it also comes with challenges. If you’ve been involved in a car accident and are facing difficulties with your insurer, it’s crucial to act quickly—document the accident, communicate effectively with your insurer, and seek legal advice if necessary.
For personalized assistance, Fabbrini Law Group is ready to help you navigate your insurance claim and fight for the compensation you deserve. Don’t let delays or denied claims add more stress to an already difficult situation—reach out to an experienced attorney today and ensure your rights are protected.
Contact Fabbrini Law Group for a free consultation to explore your options and get the support you need after an accident.
This guide aims to empower you with the knowledge needed to manage insurance claims effectively and encourages seeking professional legal support when necessary. With the right strategy and legal advice, you can overcome the challenges posed by nonstandard insurers and secure the compensation you deserve.