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AIG Auto Insurance Claims

When you’re injured in an auto accident, complications can pile up fast. From lost household earning potential to expensive medical treatments and physical therapy, you can quickly find yourself struggling financially.


Illinois requires that all drivers carry auto insurance. When another driver causes an accident in which you’re injured, you should feel confident that the insurance company will pay your reasonable claim for damages.


Unfortunately, however, the process of claiming benefits from an auto insurance provider can, at times, grow needlessly complicated and difficult. Even if the other driver’s policy is with a well-established insurer like AIG, you may need to fight to recover the full value of your auto accident claim. Abels & Annes, PC, might help. Contact us today at (312) 924-7575 to learn how.


At Abels & Annes, PC, we have extensive experience dealing with a wide range of insurance companies, including AIG. We work hard to get settlements in the hands of our clients faster. Once you have your settlement, you can take care of the bills that have accumulated after an auto accident. Getting settlements quickly also gives our clients the financial backing they need to recover their health and move on with their lives. In many cases, we can obtain settlements for our clients even if the insurance company denied the initial claim.


If AIG or any other insurance company remains stubborn about paying a valid claim, we are willing to take them to court and fight for a jury verdict if that’s what’s best for our client.


Our clients know that they’ll get determined, capable legal support, whether we’re able to settle out of court or pursue a judgment inside a courtroom.


What Auto Insurance Claims May Cover

Auto insurance may cover the cost many injuries to you and your property after an accident, including:

  • Medical and therapeutic expenses not covered by health insurance

  • Repairing or replacing your vehicle

  • Your pain and suffering

  • Your lost income, if your injuries keep you out of work

  • Your lost earning potential if your injuries leave you permanently disabled


Auto insurance policies typically have limits on the total amount they will pay for various damages. Illinois sets the minimum amounts of auto insurance coverage for drivers: $25,000 per person and $50,000 per accident for bodily injury liability and $20,000 for property damage liability. If your damages exceed the limits of the policy that covers your injuries, you may have a claim against the driver who caused the accident for the remainder. An experienced auto accident attorney can help you determine if that’s the case.


Illinois Auto Insurance Payout Timelines

Under Illinois law, an auto insurer must provide you with the necessary documentation with which to file a claim within 15 days of you making a request.


You will want to hire an attorney to fill out and file that claim form, which almost certainly contains confusing questions designed to trick you into admitting fault or otherwise disqualifying you from seeking compensation.


In addition, an insurer must provide a reasonable written explanation of the delay for any property damage liability claim that remains unresolved after 60 days from the date you report it to the company.


Common Issues That Arise in the Auto Insurance Claims Process

Ideally, a claim should go smoothly. You submit paperwork and proof of your injuries and property damages, the insurer confirms your claims are valid, and it pays you the full amount of the claim. Unfortunately, that is not always how it works. Common roadblocks that arise in the auto insurance claim process include:

  • A dispute about fault. When it is not clear who was at fault for the accident, the insurance company may delay a claim while the adjuster investigates it. In the event one party brings a legal action against the other for damages covered by the insurance policy, the insurer for the defendant will likely play a role in negotiating any settlement of that lawsuit. The amount of any settlement will need to take into account that, in Illinois, a person may not recover damages for an injury for which that person was more than 50 percent at fault, and that a person will still see a damage reward reduced by any percentage of fault of less than 50 percent.


  • Multiple parties. The investigation of fault can grow more complicated, and drag out the process of receiving a settlement, when an accident involved multiple parties who could potentially bear liability for damages.

  • A dispute about the extent of injuries or necessity of medical treatments. Insurance adjusters may take issue with injury claims. For example, they may contend a claimant had a preexisting condition to which coverage should not apply. Likewise, if a claimant seeks reimbursement for specialized medical care, the insurer may resist payment on the basis that it is not reasonably necessary to treat the claimant’s injuries.

  • Lack of documentation. A common further complicating factor in all of the scenarios above is a failure of any of the parties to keep adequate records to document a claim. The problem can arise in any context. Insurance companies may lose documentation provided to them by claimants. Medical providers, law enforcement, and other third parties respond slowly to requests for records crucial to claims.


In any of the above scenarios, having an experienced auto accident attorney on your side can make a huge, positive difference in the claims process. Attorneys with experience know where the potholes are in the road to a successful claim and how to avoid them. They speak the language of insurance adjusters and medical office recordkeepers. They know how to extract reports from law enforcement agencies. In short, a skilled attorney can smooth and speed up the claims process.


Fight AIG With Help From Abels & Annes, PC

At Abels & Annes, PC, we offer a free consultation for your auto insurance claim. When we agree to take a personal injury case, we do so on a contingent fee basis—this means we only receive payment when our client obtains a settlement or judgment. Our fees come out of the amount of the payment, so our clients don’t have to worry about up-front attorney fees.


If you are fighting with AIG over an auto insurance claim, get the legal help you need. Email Abels & Annes, PC, or call us today at (312) 924-7575 to learn more.


Client Reviews
★★★★★
Great customer service. Organized and very persistent in pursuit of my claim. Derek
★★★★★
I would give them an A+, a 10, they far exceeded my expectations. Professional, direct, very educated, very honest. I never felt like I wasn’t kept in the loop or that I was left on a need-to-know basis. Molly
★★★★★
The one thing I have learned, especially in using Dave Abels, is that any time you use a professional, there are only two things you should expect: results and communication. Dave Abels excels at both. Jerry
★★★★★
I think of Dave and his firm as a great resource, very knowledgeable, and would certainly recommend them to anyone. Amy
★★★★★
I didn’t have to do anything. It was all in their hands and I would get calls with good news every time. I am happy with the way they handled everything. Jordan
★★★★★
Great team. They helped us in an extremely difficult time! Thanks guys! We were extremely satisfied with the settlement we received. Luis