Bad faith insurance happens when an insurance company doesn't act honestly with a policyholder. This means the insurance provider acts unreasonably or illegally, like denying or delaying claim payments, giving insufficient explanations for denial of coverage, or offering inadequate settlements.

Bad faith conduct in insurance includes inadequate claim investigation, delayed payment, unexplained claim denial, failure to provide reasonable standards, and failure to provide full policy benefits. Some states make bad faith insurance illegal and impose penalties and charges.

At Ktenas Injury, our bad faith insurance attorneys can assist you with your claim against an insurance carrier. Call us at (312) 300-2515 to schedule a free consultation.

Definition of Bad Faith Insurance

Bad faith insurance is a significant challenge for insurance contract policyholders. Insurers engage in this behavior when they deny, delay, or obstruct valid claims. They may also misrepresent contract terms, limit coverage, or prolong the claims process. Policyholders may not be informed of limitations and exclusions before purchasing a policy.

Signs of bad faith include pressuring for unnecessary info and unreasonable claim processing demands. If policyholders suspect bad faith, they should confront their insurer or seek legal advice.

State laws protect consumers against unfair practices by auto insurance companies, homeowners insurance companies, liability insurance companies, and health insurance policy companies, and also offer remedies for those affected.

Causes of Bad Faith Insurance Claims

Insurance bad faith refers to an insurance company's failure to fulfill its obligations to policyholders. Examples include denying claims without explanation, conducting inadequate investigations, offering insufficient compensation, delaying decisions, and making threatening statements. These practices can cause significant financial and emotional harm.

a blank insurance claim form and a pen

Policyholders should understand their policies to recognize wrongdoing and hold the company accountable. If evidence of bad faith is found, seeking legal assistance is crucial for full compensation. 

Types of Bad Faith Insurance Claims

Insurers can act in bad faith towards insured individuals. This includes failing to investigate claims, refusing valid claims, denying coverage, delaying payment, or offering low settlements. Insurance companies have a legal obligation to act in good faith, or they may face bad-faith lawsuits.

Common bad faith insurance tactics include denying valid claims without explanation, delaying payment unreasonably, offering low settlements, or pressuring policyholders.

Under insurance laws bad faith practices are illegal, with potential consequences such as punitive damages. If you suspect bad-faith insurance practices, consult an attorney to protect your rights.

Unreasonable Denial or Delay of Claim Payment

Bad faith insurance is when an insurer acts in a manner that does not meet the reasonable expectations of its policyholders. This includes unreasonable denial or delay of claim payment.

When an insurance company delays a claim payment or unreasonably denies it, it puts the policyholder in a difficult position, as they may be unable to receive the benefits they had expected and may suffer financial hardship due to the delay.

Misrepresentation or Concealment of Policy Terms

Bad faith insurance is a form of insurance fraud. It occurs when an insurance company intentionally misrepresents policy terms or refuses to cover losses that should be covered. The goal is usually to maximize profits by avoiding claim payouts or denying coverage for specific risks.

Bad faith insurance practices are illegal in many countries. One example is when an insurer misrepresents policy terms or withholds important details. This can include hiding exclusions, misrepresenting coverage limits, or omitting vital information from policy documents. These actions can leave policyholders with insufficient coverage and vulnerable during claims.

Unreasonable Interpretation of the Policy

Bad faith insurance is a form of insurance fraud where an insurance company knowingly distorts or misinterprets the terms of a policy to avoid paying out claims. An example of this is when an insurer unreasonably interprets the policy language to deny coverage for a claim that should have been covered. This practice is illegal in many jurisdictions and can lead to severe legal repercussions for the insurer.

Failure to Investigate a Valid Claim

Bad faith insurance occurs when an insurer neglects its duties to a policyholder. This can involve denying valid claims, not investigating valid claims, intentionally delaying payments, rejecting coverage that is included in the policy, or giving incomplete policy information.

an attorney with a gavel and legal pad on their desk getting ready to take notes on a case

When an insurer fails to investigate a valid claim, it means they have declined to examine the necessary information from the policyholder to determine if the claim should be paid. These actions are illegal and can lead to severe legal consequences for the insurer.

Refusal to Settle a Legitimate Claim

Bad faith insurance occurs when the insurer doesn't adhere to the policy terms or fails to investigate and process the claim in good faith. It can also happen if the insurer offers an unreasonably low settlement, delays payment, or blames the insured for their losses. Engaging in this type of bad-faith insurance practice is illegal and can have severe legal repercussions for the insurer.

Consequences for Companies Committing Bad Faith Practices

Bad faith insurance refers to when an insurance company intentionally refuses to honor an insurance policy. This can include denying valid claims, delaying payment on valid claims, or conducting unfair and biased investigations against the customer.

Companies that engage in bad faith practices can face legal action and severe consequences. Policyholders may be able to sue the company if they fail to pay a legitimate claim. State insurance regulators may also impose fines or sanctions on insurers.

Punitive Damages Awarded to Policy Holders

Punitive damages, also known as exemplary damages, are given to policyholders when an insurance company is proven to have engaged in bad-faith insurance practices. These damages are meant to punish the insurance company for their unethical behavior and discourage them from repeating such illegal actions in the future. It is important to note that punitive damages are not awarded in every case involving bad-faith insurance, but when they are, they can be significant.

Economic Losses Suffered by Companies Engaging in Bad Faith Practices

Bad faith insurance is a practice in which insurers do not accurately evaluate claims and deny them without proper investigation or justification. This behavior can be intentional or unintentional, but it causes financial losses for both the policyholder and the insurance company.

The economic losses suffered by companies that practice bad faith can include lost revenue due to denied claims, legal fees for defending against claims, and potential damage to their reputation. Companies that engage in bad faith practices may also face sanctions from state insurance regulators or lawsuits from policyholders seeking punitive damages.

Legal Obligations Imposed Upon Companies Found in Breach of Contractual Obligations

Bad faith insurance occurs when an insurance company fails to fulfill its contractual obligations or duties of good faith and fair dealing. This can include denying or delaying payment of a claim without reasonable justification. Examples of bad faith insurance practices include inadequate investigation of claims, delayed or unfair settlement offers, and failure to attempt a fair settlement without litigation.

a pen and insurance form

When bad faith insurance is proven, the insurance company may face a breach of contract lawsuit. If found liable, the company may be required to pay damages for economic losses suffered by the policyholder. Courts may also impose punitive damages as punishment or deterrence, and the company may be responsible for the policyholder's legal fees and costs.

Attorney Fees Awarded to Plaintiffs Successfully Suing for Bad Faith Practices

When an insurance company doesn't act in good faith towards a policyholder, the person can sue for bad faith. This lawsuit claims that the insurer has acted unreasonably or unfairly by not fulfilling their obligations under the insurance policy. If successful, plaintiffs can receive damages and attorney fees as part of their lawsuit.

Attorney fees awarded to successful plaintiffs cover the costs of pursuing the claim, including court costs, expert witness fees, and other expenses related to filing the lawsuit. The amount of attorney fees can vary depending on the complexity of the case and the amount in dispute.

Negative Public Opinion Towards Companies Engaging in Unfair Dealing and Negligence

Companies engaging in unfair dealing and negligence face negative public opinion. One example is bad faith insurance, which is increasingly targeted by consumers and watchdog groups.

Bad faith insurance occurs when an insurer intentionally disregards the insured's interests, such as denying claims or delaying payments. These practices can lead insurers to financial losses from legal fees, punitive damages, and reputational damage.

Moreover, the public may be hesitant to purchase policies from companies found guilty of bad faith practices. To protect their financial interests and public image, insurers must avoid engaging in these practices.

Putting Strategies in Place to Protect You, Call Ktenas Injury Attorneys!

Bad faith insurance occurs when an insurance company fails to fulfill its obligations to policyholders. This can happen when they don't properly investigate and process claims, refuse to pay valid claims, and provide inadequate coverage. Insurance companies are expected to act in good faith and provide fair and prompt service.

Unfortunately, bad faith insurance is common in the industry. To protect yourself, understand your policy and applicable laws. If you believe you've been a victim, contact our Chicago injury lawyers for a free consultation.

Boat propeller injuries and accidents can result in severe consequences and occur frequently when a boat lacks propeller guards that are a perfect fit for boats, leading to individuals being struck by the rotating blades of the boat's propeller. This can occur while swimming, water skiing, or operating a personal watercraft. The high-speed spinning blades without proper safety devices can cause severe injury or death.

To prevent these accidents, it's important to take safety precautions. Passengers should stay seated and in their designated areas while the boat is moving. Swimmers should stay away from the propellers and boat engines and always wear a life jacket. Boat operators should check the area before starting the engine and be aware of any nearby swimmers at the swim platform.

If you ever find yourself in a boat propeller accident situation due to a negligent boat driver, it is important to seek medical help immediately. Victims of propeller accidents should contact an experienced personal injury attorney who can protect their rights and ensure that they receive fair compensation.

Call Ktenas Injury Attorneys today at (312) 300-2515 for a free consultation with one of our experienced Chicago boat accident attorneys!

How Common Are Boat Propeller Accidents?

Boat propeller injury accidents are unfortunately all too common. Each year, thousands of people are injured in boating accidents that involve contact with a propeller. These types of boating fatalities can occur as a result of the boat operator driving recklessly, operating the boat while consuming alcoholic beverages, not following safety tips, putting the engine in gear or the gear in reverse without properly looking, losing steering control through the prop pitch, and traveling at an unsafe speed.

Additionally, boat passengers can be injured if there is a sudden movement for passengers of the boat by the boat captain if they are in the water and they are not wearing a life jacket, or if they venture too close to the propeller blades.

a closeup photo of a propeller on a boat

No matter the cause of a boat propeller accident, the results can be devastating. Boat propeller injury claim victims may suffer from serious physical injuries, such as deep lacerations or broken bones, as well as psychological trauma. In some cases, these accidents can even result in death. That is why it is so important to exercise additional safety and caution when operating or swimming near boats and to always wear a life jacket when swimming.

What Happens if a Boat Propeller Hits You?

If a boat propeller hits you, the consequences can be severe and potentially life-threatening. Depending on the propeller's speed and contact location, it can cause serious lacerations, fractures, deep tissue damage, amputation, or even death.

The most common boat accident propeller injuries include deep lacerations, fractures, and amputation. It is also possible for victims to suffer from psychological trauma or post-traumatic stress disorder.

In addition to seeking medical attention, it is important to contact an experienced attorney who can help you receive the compensation you deserve. An experienced personal injury lawyer will ensure that your rights are protected and that you receive the financial assistance necessary to cover medical expenses, lost wages, and other damages.

What Percentage of Boating-related Deaths Are Caused by Propellers?

Boat propeller accidents cause approximately 7% of boating-related deaths in the US, according to the US Coast Guard. These accidents happen when someone is struck by a moving propeller while entering or exiting the water, swimming near it, or being pulled into it. To prevent these accidents, safety precautions must be taken when operating or swimming near boats.

Passengers should stay seated while the boat is moving, and swimmers should always wear a life jacket. Boat operators should check the area before starting the engine and be aware of swimmers nearby. Unfortunately, boat propeller accidents are common and can result in severe physical injuries and psychological trauma.

What is the Primary Cause of Propeller Accidents?

Negligence can involve failure to properly maintain and inspect the vessel, lack of attention to the boat's direction, and operating the boat without a lookout. Other causes can include operating too close to other vessels, driving a boat at speed, navigating in shallow or restricted waters, not wearing life jackets, and improper anchoring or mooring leading to drifting into a hazard.

Learn More: How to File a Boat Accident Claim

The consequences of a boat engine propeller accident can be very serious and potentially life-threatening. Victims may suffer from deep lacerations, fractures, amputation, or even death. In addition to physical injury, psychological trauma is also possible. It is important for those who have been in a boat propeller accident to seek medical attention and contact an experienced boat accident lawyer who can help them get the compensation they deserve.

Liability in Boat Accidents

When a boat is involved in an accident, the issue of liability is often brought up. Liability can refer to both criminal and civil responsibility for the accident. In criminal cases, the responsible party may face fines or even jail time depending on the severity of their actions. In civil cases, the responsible party may be required to compensate those injured in the accident.


To determine liability in a boat accident, both the operator of the vessel and any third parties that may have contributed to the incident need to be evaluated. This evaluation may involve examining evidence such as witness statements, photographs, and video footage. An experienced attorney will be able to help victims seek compensation for their injuries and other damages caused by the accident.

Steps to Take for a Successful Boat Accident Claim

When faced with a boat propeller accident, taking the necessary steps to ensure a successful claim is important. The following steps can be taken to ensure that your boat accident claim is successful:

  1. Seek medical attention. This should be done as soon as possible after the accident. Make sure you receive proper treatment and document all of your injuries.
  2. Make sure that you adhere to all instructions given by medical professionals and law enforcement to ensure an accurate record of the incident.
  3. Gather evidence. Take photographs or videos of the scene, collect contact information from potential witnesses, and document anything else that may prove useful in your claim.
  4. Contact an experienced attorney. An experienced lawyer can provide guidance and representation throughout the claims process

Call Ktenas Injury Attorneys

If you or a loved one have been injured in an accident involving a boat propeller, the Ktenas Injury Attorneys can help. Our team of experienced injury attorneys has extensive knowledge of boating laws and regulations, and we will fight to ensure that you receive the compensation you deserve.

We know how devastating and traumatic these accidents can be for victims and their families, which is why we are committed to providing the highest level of legal representation.

Contact us today for a free consultation and learn how we can help you get the justice you deserve.

Whether you’re a business owner, property owner, or professional practitioner, you want to make sure you’re doing everything in your power to protect yourself from legal liability. This is where premise liability insurance comes in. Premise liability insurance provides additional protection from legal claims that arise out of the ownership or maintenance of property and/or activities conducted on it. It includes the expenses for legal defense and any resulting damages.

If you need assistance with premise liability insurance or are currently facing a liability lawsuit, contact an experienced Chicago premise liability lawyer today for a free consultation at (312) 300-2515!

What is Premise Liability Insurance?

Premises liability is an important concept that businesses and property owners must understand. Premise liability insurance is a type of coverage that protects businesses and property owners from financial losses related to any injuries or damages sustained on their premises. This insurance coverage helps protect the insured from lawsuits filed by visitors who are injured on their property. Coverage includes legal costs associated with defending against such claims, as well as any potential settlement or judgment payments. It also covers any necessary medical expenses incurred by those injured on the premises due to negligence.

The types of claims that may be covered by premises liability coverage often include common slip and fall accidents, escalator accidents, swimming pool accidents, injuries from defective equipment, and poorly maintained fixtures and furnishings.

Chicago premise liability attorney Chris Ktenas

For example, a property owner may have forgotten to hose down their entranceways after their cleaning staff finished mopping it, putting those who walk through at risk of slipping and suffering an injury because of it. If this were the case, then the business owner would be liable for the victim's medical care costs since things weren't kept safe.

Snow and ice also present unique challenges that must be taken into account when assessing possible legal liability, as do inadequate maintenance of the premises and defective conditions like broken windows or falling objects. Having proper insurance coverage for accidents can ensure all such liabilities are taken care of without having to worry about too much financial burden on your end.

Types of Premise Liability Insurance Coverage

To determine which type of premises liability insurance is right for your business, it’s important to consider the risks you face due to your business’s operations and activities. For example, if your business involves children, then you may need more than just basic liability coverage due to the heightened risk of injury or illness that may occur in these settings. Depending on the size of your business and amount of visitors each day, you may need to select a more comprehensive coverage option than other types of businesses. 

When obtaining premise liability insurance, it is vital that you provide accurate information about yourself and your business so that you can be sure your policy will properly cover all potential liabilities. Be sure to read through all terms carefully so that you understand what is covered in case an incident occurs on the property for which you are responsible.

a book titled "Premise Liability" on a desk next to a gavel

It’s important to note that premise liability insurance does not cover intentional acts or criminal activities that lead to injury on a property. Additionally, many policies do not provide coverage for certain activities such as trampoline use or swimming pools. Therefore it’s important to review your policy carefully and speak with your insurer if you are unsure about what is covered under your policy.

Who Needs Premise Liability Insurance?

Premise Liability Insurance is a type of insurance that is essential for property owners, business owners, and professional practitioners as it provides coverage for medical expenses, damages for pain and suffering, court expenses, settlements, and other related costs.

Property Owners

Property owners and occupiers are subject to premises liability law, which outlines their responsibility for visitors on the property. This legal framework sets out specific requirements and duties of care depending on the visitor’s status on the property and whether they were invited or not.

Generally, any visitor that is lawfully present on the premises is owed a duty of care by the owner or occupier. This includes people who visit the property with permission, those who enter without permission (trespassers), and even those who come in with implied consent based upon certain circumstances, such as store customers at a retail establishment.

The person’s status is important as it determines how far the owner/occupier’s legal duties extend to them. For example, social guests who are invited onto someone else's property are owed a higher duty of care compared to trespassers, while customers in a public space can be owed a varying degree of duty of care depending on the circumstances.

Business Owners

Business owners who have premise liability insurance will have coverage for any accidents that occur at the office building or premises. This insurance will provide coverage for accidents that involve individuals such as employees, customers, and visitors to the business premises. Business owners are liable for any injury or accident that happens on the property, so it's important for business owners to have insurance coverage in the case of an accident. 

a premise liability insurance form next to a computer and some money

Professional Practitioners

Premise liability insurance can offer coverage for professional practitioners in case they are faced with claims due to bodily injuries or property damage caused while providing services. Professional practitioners, including doctors, lawyers, and accountants, may be held responsible for their actions when they are found negligent in delivering services or advice. Premise liability insurance can provide assistance in safeguarding practitioners from such claims.

Duties of Care and Reasonable Care for Property Owners and Business Owners

When it comes to premises liability and the duty of care, property owners and business owners have a legal obligation to ensure their premises are safe for visitors. This includes providing safe access paths, maintaining adequate lighting, and taking necessary safety measures such as proper fencing around potentially hazardous areas.

The law divides visitors into three categories: invitees, licensees, and trespassers. Invitees have invited guests on the property for the benefit of the owner; patrons of businesses fall into this category. Licensees are those allowed on or invited onto the property by its possessor but not for his/her benefit. An example would be a family member visiting his/her home without an invitation from the occupant. Finally, trespassers are people who enter or stay without permission or right from an owner or occupier of the land.

The legal responsibility that owners have toward each of these categories varies depending on the knowledge of risks involved with particular activities and dangerous conditions, the provision of warnings about potential hazards, and any attempts to correct existing hazards before injury occurs. Business owners must recognize their responsibilities under “duty of care” when it comes to premises liability in order to avoid liability issues in the event there is an accident or injury on-site caused by a hazard or faulty condition.

What Happens if You Don't Meet Duty of Care Requirements

A duty of care includes making sure any dangerous conditions or activities are avoided, that visitors and staff have the necessary information to remain safe, and that all of the proper security measures are in place. If your business does not meet these obligations, you may very well find yourself facing personal injury lawsuits.

One way for businesses or property owners to protect themselves from this type of liability is to purchase premises liability insurance. This type of coverage can potentially help with court costs associated with defending against personal injury claims, as well as any medical bills and settlements arising from such disputes (up to particular policy limits).


It’s important to pay close attention when you’re selecting an insurance policy for your business—each one is unique and offers different levels of protection, so make sure you understand both the positive aspects and limitations of the coverage each plan provides.

Potential Risks Covered by Premise Liability Insurance

There are several potential risks that are covered by premise liability insurance including property damage claims, bodily injury claims, medical bills for the injured party, and more. For more information on how to file a premise liability claim, contact Ktenas Injury Attorneys!

Property Damage Claims

Premise liability insurance provides financial protection for property owners in the event of property damage caused by another individual. It includes coverage for claims and legal fees associated with property damage caused by employees, visitors, or customers. Additionally, it covers claims related to personal injury or medical expenses resulting from injuries sustained on the premises.

Bodily Injury Claims

Bodily injury claims are frequent in premise liability insurance. This insurance covers injuries that happen on a business or homeowner's property, like slip and fall accidents, animal attacks, or accidents. Property owners can be held responsible for injuries to visitors, customers, employees, or tenants. Premise liability insurance provides protection in case of a bodily injury lawsuit.

Medical Bills and Other Damages from Bodily Injury Claims

Premise liability insurance can safeguard business and property owners against the potential financial losses resulting from injury on their premises. If someone suffers an injury on the property, the insurance will pay for medical bills and other damages resulting from the incident. This coverage is typically included in a general liability policy and helps protect against legal costs associated with lawsuits related to medical costs and damages associated with bodily injury claims.

Call Ktenas Injury Attorneys Today!

Lawsuits can be an incredibly stressful and daunting experience. However, the good news is that you do not have to fight the insurance company’s lawyers on your own. With Ktenas Injury Attorneys, our experienced premises liability lawyers are ready to offer help at any stage of the lawsuit process. They will analyze your case and will help you understand how best to present it in order to get the most out of it – ensuring that you don’t have to take whatever minimal sums that are offered by insurance companies or their lawyers who specialize in minimizing payments. Call Ktenas Injury Attorneys today for a free initial consultation.

There are several legal actions that you can take after a pedestrian accident in Chicago. The first step is to seek medical attention immediately. Make sure to document the injuries sustained in the accident, as this will be important later on for your insurance claim.

After receiving medical attention for a pedestrian accident, it is advisable to consult with a personal injury lawyer who specializes in this area. This is because seeking compensation for such accidents is a complex process that involves overcoming legal obstacles. Ktenas Injury Lawyers offers expert legal services for this matter.

Our pedestrian accident attorneys will ensure you receive the compensation you deserve. Call us today at 312-300-2515 and schedule your free consultation!

Legal Actions to Take After an Injury

Pedestrian accident victims may sustain severe injuries, including broken bones, spinal cord injuries, and internal injuries, as a result of being hit by negligent drivers. Even helmets cannot fully protect them from traumatic brain injury. Seek help from a medical professional right away, no matter the injury's severity. Documenting injuries is essential when filing for legal compensation.

Obtain details of the crash scene and the other driver involved. Call the police and gather witness contact information. Get the other driver's contact and insurance information for filing a claim. The more detailed the report, the better the chance for compensation.

Chris Ktenas speaking with his client after a pedestrian accident

At Ktenas Injury Lawyers our pedestrian accident lawyers have handled numerous personal injury lawsuits involving pedestrians who were hit and suffered serious injury due to collisions with cars. The legal battle of recovering medical expenses can be protracted so it is important for individuals involved as either pedestrians or drivers to have experienced legal representation at their side during such cases. Our pedestrian accident lawyers have experience representing clients in similar cases and can answer all your questions about pedestrian accident claims.

Recovering Compensation From Your Own Insurer

The legal principles of negligence in car accidents also extend to cases involving pedestrian accidents. Pedestrians who sustain injuries in an accident may be eligible for compensation if it can be proven that the driver of the vehicle acted negligently or recklessly while driving.

Generally speaking, pedestrians who are injured in an accident may be entitled to file a pedestrian accident injury lawsuit and receive the maximum compensation if it can be demonstrated that the driver of the automobile was negligent or reckless in their driving practices. However, many people mistakenly think that simply because a pedestrian was hit by a car automatically means that they deserve some form of compensation. This is not necessarily true, as negligent conduct on the part of both driver and pedestrian might have led to the incident.

Related Services: Chicago Negligence Lawyer

For example, under traffic laws, if a pedestrian was jaywalking at the time of an accident instead of crossing within a marked crosswalk at traffic signals- then this could be considered negligence on their part which contributed to them getting hit. For liability to be established, it needs to be shown that either one or both parties involved were acting carelessly or recklessly leading up to and at the time of the traffic accident. Determining fault can impact the pedestrian injury lawsuit and the amount of financial compensation awarded.

Common Types of Injuries After a Pedestrian Accidents

As pedestrians, we often face danger when walking near or on busy streets. Nearly a quarter of pedestrian fatalities are the result of hit-and-run drivers.

If you are unfortunate enough to become the victim of an accident involving a motor vehicle, you should be entitled to submit a legal claim to an insurance company and seek compensation for your losses. Insurance company compensation can cover costs like medical bills for physical therapy and lost wages, while also providing restitution for any long-lasting pain and suffering that we might have experienced as a result of the accident. It’s important to keep in mind that these cases can be difficult to prove, so it’s best to stay diligent about preserving evidence of the incident and then speaking with an experienced pedestrian accident lawyer who is knowledgeable about these types of traffic fatalities.

a woman after a pedestrian accident in Chicago

In addition to obtaining compensation for punitive damages associated with the incident, families may also be able to pursue a wrongful death lawsuit if their loved one was killed in the accident. This legal route can help those affected by tragedy recover financial losses incurred from the death, such as loss of companionship, funeral costs, and income from future earnings that had been expected from the deceased. Furthermore, prosecuting parties liable for wrongful pedestrian deaths through this form of legal action can raise awareness within society on ways to potentially reduce pedestrian fatalities in the long run. Learn how our attorneys can help you prove wrongful death here.

Steps You Should Take as a Pedestrian Injured in a Car Accident

If you’re a pedestrian who has been injured in a car accident, there are several steps you can take to pursue legal action. The first and most important is to seek medical care for your injuries as many common pedestrian injuries take time to develop after the initial emotional distress and shock. It’s important to document any evidence of physical injury or mental anguish as a result of the accident. This can include photographs of the scene, witness statements, and medical reports from your medical provider.

Next, you should contact a qualified personal injury lawyer who has experience in these types of cases to discuss the details of the accident and determine whether you have grounds for a lawsuit. The attorney can then work to build a strong lawsuit for damages claim and will represent you throughout the entire legal process.

FAQ: What can a personal injury lawyer do for you?

The last step is to file a claim and seek damages from those responsible for your injuries. Depending on the specifics of the accident, you may be able to receive compensation for medical bills, lost wages, pain and suffering, and even punitive damages.

It’s important to remember that each pedestrian accident case is unique and has its own set of circumstances. A qualified attorney can provide you with an assessment of your case and help you understand the best legal strategy for pursuing a personal injury claim.

Making a Claim Against the Driver Involved in the Accident

Every year, pedestrians are needlessly placed at risk of motor vehicle accidents. Unfortunately, the prevalence of cars means that pedestrian injury accidents and traffic deaths hit an all-time high in 2020. It is important to understand what steps you should take if you ever find yourself in such an unfortunate circumstance.

The first step that any person affected by a pedestrian crash should take is to seek medical attention immediately. Even if it feels like there is only minor damage or injury, it can be difficult to fully identify the harm caused without medical treatment. Additionally, seeking medical attention will provide documentation showing the extent of your injuries and allow for further legal action lawsuits for damages down the road if necessary.

a man injured after being hit by a vehicle

It is recommended that the injured party pedestrian exchanges information with the driver who has hit you, such as their license number, insurance company, and auto insurance policy details.

After this, make sure to record circumstances surrounding the accident, including time of day and weather conditions as well as traffic safety reports and the traffic crash report to help demonstrate fault on behalf of the driver involved. Finally, contact an experienced pedestrian accident attorney who can review your case and guide you through any legal proceedings.

Making a Claim Against the At-Fault Driver's Employer

One way to get compensation after a pedestrian accident is to claim against the at-fault driver's employer.

As property owners, commercial vehicle companies are responsible for their employees' actions during work hours and job duties, according to vicarious liability. The employer doesn't have to be proven negligent for them to be held accountable. The employee's negligence while performing their duties and causing an accident is enough to show liability.

Learn More: Chicago Pedestrian and Traffic Deaths Skyrocketed in 2020

Filing a claim against an on-the-job careless commercial vehicle driver can be highly beneficial for pedestrian accident victims as the required evidence of negligence is significantly lower than when filing against ordinary civilians. Therefore it's important to consider this option.

Making a Claim Against the Government

Local, city, or state government agencies may be partly responsible or the fault party for injured pedestrian accidents due to negligence in their care towards pedestrians. Risk factors such as poorly laid out public streets, highways, broken sidewalks unmarked crosswalks, or broken traffic control signals may cause different types of accidents for pedestrians. Injured individuals may file a claim for compensation against the responsible government entity, but it's a complex process due to city policy and sovereign immunity rules.

an accident compensation claim on a desk next to a scale

A substantial factor is that these rules grant immunity from lawsuits and have specific guidelines for claims. Time limits for claims may be shorter, and compensation levels may be limited. It is essential to have an experienced pedestrian accident injury attorney with a background in legal representation against governmental entities if seeking legal liability and compensation after a pedestrian accident.

Statute of Limitations for Pedestrian Accident Claims

Acting quickly is crucial when bringing a claim for damages after a pedestrian accident. In addition to health insurance and insurance policy limits there is a statute of limitations. The statute limits the time in which legal action can be pursued against the responsible parties, varying by state from two to four years. Gathering evidence and documents immediately after a pedestrian knockdown accident is important, because the longer you wait, the harder it becomes to find evidence and prove your case. Memories will fade, making it difficult or impossible to prove fault.

Therefore, don't hesitate to seek criminal liability against someone who caused obvious trauma and seek money for pain caused through their negligence after a pedestrian accident, before the statute of limitations expires.

Contact Ktenas Injury Lawyers Today for a Free Consult!

If you've been hit by a car in the Chicago area, it's important to know that you have legal options available to you. That's why contacting Ktenas Injury Lawyers is a wise choice if you've been injured as a pedestrian due to someone else's negligence.

At Ktenas Injury Lawyers, we understand how fatal pedestrian knockdown injuries can be and we are dedicated to helping you file for damages you need to cover hospital bills, lost wages, chronic pain, and future pain. Our team of experienced personal injury attorneys for pedestrian accident victims fights hard to make sure that your pedestrian knockdown lawsuit is successful and that your rights are protected.  Contact us today for a free consultation to discuss your case and determine if Ktenas Injury Lawyers is right for you.

Usually, injury lawsuit settlement awards require taxes to be paid. The IRS considers money received from a structured or lump sum settlement as taxable income. This includes money for pain and suffering, medical expenses, lost wages, and punitive damages. But, not all injury settlements are taxable.

For help with a claim contact Ktenas Injury at (312) 300-2515 to schedule a free consultation with an experienced Chicago personal injury lawyer.

Is a Personal Injury Settlement Tax-Exempt?

Personal injury lawsuit settlements are generally tax-exempt. However, other factors like insurance payments, attorney fees, emotional injury medical expenses, and lost wages can complicate matters. To maximize your net payout, it's important to be aware of your tax liability.

Chicago Personal Injury Attorney Chris Ktenas

Personal injury attorneys experienced in personal injury claims may guide you in collecting evidence to counterbalance potential taxable income. This can help reduce the overall income tax owed from your lump sum award or settlement.

Is There a Federal Tax on Personal Injury Settlements?

Personal injury settlements can bring a welcomed financial relief when you’ve been injured, but there are some cases in which the IRS taxes portions of these settlements. Deducted medical cost expenses paid for over more than one year and documented as itemized deductions on previous years’ taxes must be pro-rated according to IRS regulations.

Furthermore, non-economic types of damages such as mental anguish and/or emotional distress due to physical injury are typically not taxable, but their taxability depends on the reason behind them; for example, if won for witnessing a car accident then the IRS may have to apply taxes.

Lastly, if money is awarded for loss of regular income due to the injury, then it becomes subject to paying Medicare and Social Security taxes that would normally apply if earned through an actual job.

It’s important to be aware of these regulations because it helps you understand when taxes are owed and how much will be due when filing your yearly income tax return.

Ultimately, being familiar with the federal tax code helps you organize your finances better so that no unnecessary red flags pop up when declaring your settlement money income taxes at tax time.

Instances in Which Personal Injury Settlements Are Subject to Taxation

When it comes to personal injury accident settlements, most of the time the settlement is not taxed due to its relation to physical injuries. A physical injury can range from direct harm such as broken bones, internal damage, and post-surgical follow-ups, to indirect consequences of such trauma, such as infection. As long as the settlement relates only to a “physical” injury or its associated effects such as non-economic damages, then the settlement may be tax-exempt.

In certain cases, personal injury settlements may be subject to taxation. If the injury is solely emotional or psychological without any physical component, the IRS will tax any settlement funds received.

tax forms on a desk

Furthermore, if an individual’s physical and emotional trauma are linked but not directly tied together with a corresponding physical injury or illness then they too may owe federal taxes on that portion of the award.

It is essential to understand all laws involved with taxation for someone who has received a personal injury settlement to properly manage their finances accordingly.

Punitive Damages and Taxation

Punitive damages are a form of legal recourse to punish and deter a defendant from any similar future actions. Especially in personal injury cases, these damages get awarded as an additional form of payment on top of the compensatory damages already granted. For those cases that qualify, punitive damages can be an effective deterrent against wrongdoing, but they do come with certain tax implications as well.

According to the Internal Revenue Service's guidelines on injury settlement tax, all compensation for injury awards must be reported as other income when it comes time for taxation. This means that the recipient will end up paying taxes on their award, which could greatly reduce the amount received if not accounted for.

Fortunately, this does not mean that any other portion of the settlement gets taxed; only the punitive damages will be affected by taxation as per IRS rules.

Legal Fees Aren't Deductible

Legal fees for personal injury cases cannot be deducted from a settlement according to the IRS's laws. You will still be taxed on the full amount of your settlement even if you paid a significant amount in legal costs. For example, if you received a $50,000 settlement but paid $20,000 in legal fees, you will still be taxed on the full $50,000. It's important to keep this in mind when dealing with personal injury settlement taxes.

Learn More: How Much Does a Personal Injury Lawyer Cost?

Of course, taxation isn’t a one-size fits all subject matter and things can change depending on state laws and certain extra provisions added at times. That is why everyone must seek advice when attempting to understand taxes about personal injury settlements as opposed to relying entirely on their understanding of the matter through online mediums.

Consulting an experienced accountant or tax professional would be recommended since they can provide quality guidance regarding any potential deductions about compensation for property damage that could apply to your specific situation.

Maximize Your Settlement With Our Firm

When contemplating a personal injury lawsuit against an insurance company, it is crucial to comprehend the federal taxes ramifications of a settlement. Some may not be aware that a portion of their settlement may be subject to taxation, resulting in a significant decrease in the punitive damage awards received. It is advised to seek assistance from a knowledgeable personal injury attorney, such as Ktenas Injury Attorneys, who can provide insight into the tax issues and implications of the settlement.

Our personal injury lawyers can offer personalized legal advice and are well-informed about settlement tax implications, and make an effort to maximize their clients' compensation in settlement agreements. They offer a complimentary personal injury laws consultation to address individual cases and provide reasonable compensation for any damages.

Contact Ktenas Injury Attorneys at (312) 300-2515 for legal guidance and tax advice during these challenging circumstances.

For common dog bite injuries, it is recommended to file an insurance personal injury claim promptly. Use your health insurance or the dog owner's homeowner's insurance. Bite victims should get medical attention and treatment and keep records. File a police report for documentation.

Contact the negligent dog owner's homeowner's insurance adjuster and provide information to file a claim. They will investigate and decide if they cover expenses. If denied, consider a bite lawsuit for punitive damages. Follow these steps for compensation for your dog bite injury.

Illinois dog bite attorney Chris Ktenas

Get help from an experienced Chicago dog bite attorney at Ktenas Injury. Call us today at (312) 300-2515 to schedule a free consultation.

Reasons to File an Insurance Claim for a Dog Bite

When a person is injured by a dog bite, filing an injury insurance claim is crucial. Dog bites can cause significant physical and emotional harm, with high medical treatment costs. By filing a claim, the injured person can receive financial support from the liable parties for these expenses.

Filing an insurance claim is also important for protecting against potential legal fees if the pet owner sues. It ensures animal control accountability and proper compensation for the victim. Additionally, filing a claim can help with reporting the incident accurately.

Understanding Your Insurance Policy

Before filing an initial claim for a dog bite, it is important to understand your renters' insurance policy. Coverage and exclusions for animal-related injuries can differ between policies. Review your policy to determine what is covered and what is not.

an insurance policy and assorted items on a desk

Take the time to familiarize yourself with the injury claim filing process and any deadlines that may be associated with it. By knowing the specifics of your policy such as costs per claim, you can ensure that your claim is filed accurately and on schedule. 

Homeowners Insurance and Dog Bites

Homeowners insurance is an umbrella insurance that protects against property damage and liability. If a dog bites you, contact local law enforcement for a police report. The police report is important for filing a claim with the dog owner's insurance agent.

When filing a claim, provide the emergency medical costs, the police department report, medical records, bills, and incident photos. 

How Liability Affects Insurance Coverage for Dog Bites

Dog owners may be held responsible for any harm caused by their pets. In certain situations, the owner remains accountable even if the bite was unintentionally caused and must take precautions to prevent future incidents.

Health Insurance Coverage for Dog Bites

The coverage of health insurance for dog bites can vary depending on the specific policy. Generally, most policies provide coverage for medical expenses related to dog bites, such as emergency room visits, doctor and hospital bills, and necessary medication. However, it is important to consider that different plans may have different deductibles or maximum coverage limits.

How an Attorney Helps With a Dog Bite Claim

If you are bitten by a dog, hiring a bite attorney is important. A personal injury attorney will protect your rights and help you get the nerve damage compensation you deserve. Filing an insurance claim for a dog bite can be complex and time-consuming, so having legal representation from a personal injury law firm is crucial.

When selecting a lawyer, consider their experience with similar injury cases and their knowledge of the dog bite laws in Illinois. Dog bite lawyers will ensure that your rights are safeguarded throughout the process.

Determining Strict Liability or Contributory Negligence in a Dog Bite Case

Determining the owner's liability in a dog bite case is crucial. Strict liability means the owner is responsible for the dog's actions, regardless of their awareness. Contributory negligence comes into play when someone's carelessness contributes to their injury.

Courts take into account the dog's previous behavior and whether it was provoked. They also consider any warnings given by the owner and whether the victim was trespassing.

Obtaining Fair Compensation for Your Injury Damages

If your dog bites someone, it is necessary to file an insurance claim as liability insurance provides coverage for dog bite claims. To get fair compensation, you need to understand how these policies work. Contact your insurance provider and explain the incident and any medical bills.

Evidence That Helps a Dog Bite Claim

To file an insurance claim for a dog bite, gather evidence to support your case. You need compelling evidence that shows the dog caused the injury. Start by gathering information about the owner and the pet. Note the location of the incident and any witnesses. Take photos of the injury and collect medical bills.

Medical Records of the Victim and Witness Statements

When filing an insurance claim for a dog bite, it is important to obtain the victim's medical records. These records may consist of medical bills, doctor's notes, x-rays, and treatment plans. Surgeries or treatments should also be included. Witness statements can provide helpful information for the claim. 

medical bills, a pen, and stethescope on a desk

Acquiring Documentation of Property Damages Due to the Bite

If your property is damaged by a dog bite, document the damages for your insurance claim. Take steps based on the severity of the bite and damage. Determine the evidence needed. Take photos of the property damage and document repair costs. Include information about emotional distress or financial losses caused by the incident.

Filing Your Insurance Claim

If your pet injures someone, you may need to file an insurance claim for the incident. Filing a claim can be complex, so it's important to understand the necessary steps.

Filing an insurance claim for a dog bite can be time-consuming. Consider hiring a personal injury lawyer for assistance in understanding your rights and maximizing your compensation for injuries.

Submitting Your Written Notice of Injury to the Responsible Party's Insurer

If you get bitten by a dog, file an applicable insurance claim right away. Dog bites can cause serious damage, so it's important to get compensation quickly. Filing a bite insurance claim for a dog bite injury is simple, but you need all the necessary documents and evidence.

If the bite happened on someone else's property, submit a written notice of injury and potential damages to their insurer. Include details about the incident, like time, date, location, and witnesses. Also include medical bills and expenses related to the bite.

At Ktenas Injury Attorneys our experienced personal injury attorneys can offer legal advice and help you with the insurance claim process. We'll guide you to a fair insurance industry settlement for your dog bite injury. Contact us today at (312) 300-2515 for a free consultation.

Insurance company bad faith coverage can be a disappointment when it fails to protect you. Bad-faith claim tactics used by some insurers can prevent insurance policyholders from receiving a legitimate claim that they are owed.

These bad faith insurance practices include unreasonable insurance company delay tactics in investigations and not making reasonable insurance contract payments. Insurance companies can use bad-faith tactics such as misclassifying claims, refusing to pay without good cause, offering low settlements, or denying valid claims altogether.

Chicago bad faith insurance attorney Chris Ktenas

These insurance company representative practices benefit claim adjusters and insurers, shift risk onto consumers, and force victims to seek punitive damages through bad-faith lawyers. Policyholders can take legal action if for unreasonable delays or if their claim is rejected.

Our Chicago bad-faith insurance lawyers can help with your claim denial or insurance companies' deceptive practices. Call us today at 312-300-2515 for more information.

The Claim Was Not Approved and No Explanation Was Provided

Insurance claims should be investigated fairly and only denied with valid reasons. However, some bad faith breach insurance companies deny medical expenses, automobile expenses, and personal injury claims without fair dealing or proper justification.

This may be disheartening for claimants who have followed the proper procedure requests for documentation and submitted standard common forms, including medical records, body shop invoices, and requests for additional documentation.

a denied insurance claim form on a desk

Those who submitted the claim on time and are wrongly denied may feel powerless to challenge the bad-faith insurance claim decision. Individuals with insurance should make phone calls, file an appeal to the insurance board regarding the decision made by the major insurance company, and seek clarification on settlement offers or denials.

Consumers must understand their insurance claim process and their right to obtain answers from claims adjusters that use bad-faith insurance tactics. This helps them fight back against sudden and unjustified denials that lack merit.

The Investigation Was Not Conducted Promptly and Thoroughly

Insurance carriers must investigate accidents promptly to identify contributing factors that affect liability or coverage issues. This requires a thorough investigation by real people who can see the damage in person, of personal or property damage in accident claims not just a few photos of the scene.

Failing to investigate promptly is a common tactic in unfair practices and can be seen as acting as a bad faith insurer, as it could prolong negative impacts on the policyholder's interests.

When an insurer responds slowly, it's not just unethical tactics, it can also hurt morale. This lack of care can spread to other customers and damage the company's reputation leading to public outcry.

Insurance company tactics leading to delays can also lead to misunderstandings and missed benefits. Failing to investigate incidents promptly can result in accusations of negligence and financial losses from lawsuits or additional claim settlements.

Providing a Compensation Amount That is Lower Than the Estimated Value of a Claim

When dealing with insurance companies after a dispute or statutory claim, it is important to know that they may attempt to complete a lowball offer. A lowball offer is when the settlement offered by the insurance company is considerably lower than the worth of your personal injury lawsuit case.

Although this type of unfair settlement bargaining tactic may appear obvious, many victims believe they have no choice but to accept the first offer from an insurance company without trying to negotiate for more money.

This assumption could prove problematic as accepting a lowball offer marks the finalized acceptance of your claim, meaning you can't go back and try to negotiate a higher settlement or prompt further negotiation for compensation.

To protect yourself from financial negligence and ensure that you receive a fair settlement, it is important to never accept an insurance company's single lowball offer without attempting meaningful bartering or preferably external consultation from legal experts.

Failing to Provide Compensation for an Approved Request

If your claim is valid and the insurance company does not carry out a complete investigation and continues making unreasonable demands but still refuses your claim via a bad-faith letter this may be an insurance company's bad-faith business dealings.

If they are not genuinely trying to investigate and process a valid claim you are dealing with a bad faith claim insurance company. Double-check all paperwork to ensure accuracy and completeness before submitting it to avoid bad-faith bargaining cases.

an insurance claim form, pen, and glasses on a desk

If you submit an incomplete or inaccurate claim, the insurer may simply deny your application outright without allowing you to correct it. This could be a sign of bad faith practices as it prevents you from correcting any mistakes in your application and obtaining payment for a valid claim.

If this occurs, partnering with an experienced bad-faith insurance attorney can help rectify this situation by holding the insurance company responsible for refusing a valid claim.

Providing Inaccurate Information Regarding Legal or Policy Language

Misrepresenting the law or the facts can have serious consequences. Insurance adjusters may try to minimize your claim and offer a lower settlement. They might downplay your injuries and pressure you to settle without legal advice.

They could also ask for a recorded statement or signature without allowing consultation. This is concerning and could harm you later. You should consult an experienced attorney and independent sources before agreeing to anything from an insurance adjuster.

Postponing the Payment of a Legitimate Request

Delaying payment after an insurance claim is approved can be incredibly frustrating for the policyholder. Unfortunately, this frustrating reality is all too common in the insurance industry. Insurance companies may take anywhere from a few days to several weeks or even months to issue a payment after they have approved a claim.

While any length of “reasonable time” could potentially be open to interpretation, a month should be considered the maximum length of reasonable time allowed without good cause for the delay. Any longer than that period could potentially indicate bad faith on behalf of the insurance company which is grounds for legal action on the part of the policyholder.

FAQ: How Long Does an Insurance Company Have to Pay a Car Accident Claim?

Policyholders should familiarize themselves with their policy and contact their insurer in case there are any undue delays in issuing payments no matter how short or long these might be. The sooner a dispute can be raised, the better as it may lead to faster resolution and may avoid potential lawsuits over bad faith behavior on behalf of insurers.

Moreover, if an insurance company fails to make a payment within thirty days after they have determined that a valid claim exists, then policyholders should seek out legal representation immediately as this constitutes behavior not done in good faith by an insurance provider.

Experiencing Bad Faith Tactics? Consult With an Attorney

Insurance companies must treat their customers fairly and act in good faith by law. Unfortunately, some companies may use bad faith tactics to avoid paying out benefits or denying coverage. If you have been a victim of bad faith tactics, it's recommended to consult a bath faith attorney who specializes in insurance law.

Ktenas Injury Attorneys has an experienced team who can help you understand your legal rights and fight for the compensation you deserve. Contact us today at 312-300-2515 to learn more about how we can assist you.

If you have been in a boat accident in Chicago, file a claim as soon as possible. Document all accident information, and accident reports take pictures, and get contact and insurance info from others involved. Contact your insurance company for guidance on filing an insurance claim. Collect medical expenses bills from medical professionals and repair estimates for the boat engine from a boat business.

Submit your boat accident claim to the responsible party or their insurance company. Keep track of communication with them. Consult a personal injury attorney if necessary.

Chris Ktenas speaking with a client after their boat injury

Filing a claim after a boat accident can be complex, but following these steps will increase your chances of receiving proper compensation. 

Our Chicago boat accident lawyers are here to help! Call us today at (312) 300-2515 for a free consultation!

What Steps Should You Take After a Boat Accident?

After being involved in a boat accident in hazardous waters, it is important to take the necessary steps to ensure your safety and properly file a claim. Here are some tips for what to do after a boat accident:

  1. Take care of any boat passenger injuries first. Seek medical attention if needed, or call emergency services if necessary.
  2. Make sure you have the contact information of any witnesses, as well as the contact information of the other fishing boat operator.
  3. Take photos of the accident scene and document any damage.
  4. Contact your insurance company as soon as possible to start filing a claim.
  5. Collect all medical bills or repair estimates related to the accident and submit these with your claim paperwork.
  6. Keep track of all communication with the responsible party or insurance company.
  7. If your claim is denied, consider seeking the advice of a lawyer to help you explore legal boating accident lawsuit options.

Following these steps will help you ensure that you get the compensatory damages compensation you deserve for any losses or damages under boating laws, incurred in a boat accident.

Duty of Care in Boat Accidents

Duty of care is a legal responsibility that boat operators must fulfill to ensure the safety of passengers, crew members, and other vessels while out on the water. Boat operators are expected to act reasonably and responsibly when operating their vessels to prevent harm to others.

a boat at the shore of a lake

If an accident occurs due to a boat operator's negligence, distracted boating, or recklessness while out in bodies of water, they can be held accountable for any damages or injuries that result.

Who is Liable for a Boat Accident?

Boat owners are usually responsible for any damage or injuries caused in commercial boating accidents or recreational boating accidents involving their vessels.

Other parties might also be at fault depending on the circumstances. For example, if another boat was involved, its operator could be partially responsible. Similarly, if a faulty piece of equipment caused the accident, the manufacturer may be liable. To determine liability and take legal action, it is advisable to consult an experienced lawyer.

What is the Duty of Care in Boating?

All boat operators have a responsibility to ensure safety on board their vessels. This includes following navigation laws, practicing good seamanship, and being aware of their surroundings. Operators must prevent collisions with intoxicated persons and maintain control of their boats. Failure to do so can lead to legal consequences for any damages or injuries caused by accidents.

Reasonable Care and Negligence

After a boat accident, it is crucial to think about reasonable care. Reasonable care means acting as a reasonable person would in similar circumstances.

Negligence occurs when someone fails to exercise reasonable care and causes harm or injury to someone else. If someone is found negligent in a boat accident, they can be held responsible for any damages or injuries that occur.

The Boat Accident Lawsuit Process

A boat accident lawsuit is a legal action that follows an injury in a boating incident. It is similar, but unique, compared with other personal injury claims. These cases require specific considerations and address specific issues. Boat accident lawsuits are necessary if the responsible party is at fault or if negligence caused the incident.

Learn More: Questions to Ask an Injury Lawyer

To succeed in a claim, you must prove someone else's fault and that their negligence caused the damages or injuries. An experienced lawyer can assist you in building a strong case and obtaining rightful compensation for future expenses.

Collecting Evidence

If you are involved in a boat accident, it is crucial to thoroughly investigate the incident. This involves gathering evidence and talking to witnesses. Contact your insurance provider to start the claims process. The first step is to document the scene, taking photos and videos if possible. This will provide an accurate account of the accident and its consequences. Take detailed notes about the incident, people involved, and location.

Consulting with a knowledgeable lawyer can help you understand your legal options and decide if you should file an injury claim.

Establishing Fault

Determining liability after a boat accident is complex. Establishing fault parties is often necessary. The first step is identifying the parties involved, including boat operators, passengers, property owners, and third-party entities like dock owners.

legal books, a scale, and a gavel on a desk

The next step is investigating who caused the accident and determining if negligence was involved. This involves gathering evidence, such as witness statements and photos, and analyzing navigation laws and regulations.

Actions Available to Victims

Victims of boat accidents have the potential to pursue legal action within the statute of limitations based on the facts and circumstances of their case. If they have experienced physical harm, such as an injury or loss of life, they may have the option to seek compensation from those accountable for the accident.

Depending on the situation, victims may consider filing a lawsuit for negligence against the boat owner/operator or against the boat manufacturer if a product defect contributed to the accident.

Additionally, in cases of fatalities resulting from a boating accident, survivors may have the opportunity to file a wrongful death lawsuit.

Common Types of Boat Accidents

A boat accident can take many forms. The type of vessel and the circumstances determine the specific incident. Common types of boat accidents include collisions, groundings, fires, and capsizing.

The aftermath of a boat accident is often devastating, with victims facing long recovery periods, long-term care, and high medical bills.

Collisions With Other Boats or Objects

Boat accidents can cause significant damage, especially when there is a collision with other boats or objects. The severity of the collision can result in extensive damage to both vessels and personal injury to those involved.

It is crucial for those involved to promptly contact local authorities to report the accident, which includes filing a police report and obtaining witness statements.

Furthermore, exchanging contact information and insurance details with each other is important to ensure that all parties are protected in case of future legal action.

Capsizing or Sinking Accidents

Capsizing or sinking accidents are a common type of boat accident that can result in serious injury, property damage, and even death. If you have been involved in such an accident, you must consider the physical injuries sustained by you and others, as well as the damage caused. You may also be eligible for compensation for medical bills and lost wages due.

Grounding Accidents

Boat accidents called grounding accidents happen when a vessel runs aground. This is usually because the captain navigated incorrectly or didn't know their surroundings. Groundings can happen in shallow water, on rocks, sandbars, or coral reefs.

an image of a lake with common types of boat accidents layered over it

Sometimes, mechanical failure, defective products, or poor maintenance can also cause grounding accidents. If you were in a grounding accident, you might be able to file a compensation claim. Depending on how bad the accident was, you could get money for any physical injuries, property damage, or lost wages.

Personal Watercraft Accidents

Personal watercraft accidents are unfortunate and can cause serious injury or death. It is important to be aware of the risks involved. If you have been in an accident involving personal watercraft, you may need to file a compensation claim. When filing a claim, consider medical bills, property damage, lost wages, and pain and suffering caused by the accident.

Contact Ktenas Injury Attorneys for Help With a Boat Accident Claim!

If you have been injured in a boat accident, it is important to contact Ktenas Injury Attorneys, boat accident attorneys as soon as possible. Our experienced personal injury lawyers in Chicago can help you navigate the claims process and maximize any potential recovery. We understand that boat accidents can be traumatic, and we are here to provide the legal support you need.

Our team can assist with filing a claim for compensation from any liable parties, as well as help you seek damages for any medical bills, lost wages, or other related expenses.

Contact us today at (312) 300-2515 to learn more about your legal options.

If someone is hurt because of a property owner's negligence in Chicago, they can file a premises liability claim. To do this, they need to: get medical help, gather evidence, contact a lawyer, and build a case against the property owner.

Chicago premise liability lawyer Chris Ktenas

At Ktenas Injury our Chicago premises liability lawyers can help with your with your lawsuit. Call us today at (312)-300-2515 to schedule a free consultation.

When Can Someone File a Premises Liability Claim in Chicago?

In Chicago, a person can make a premises liability claim when they are injured as a result of negligence by the owner not exercising reasonable care or occupier of the property. Under premises liability laws this includes both residential and commercial properties.

Examples of situations that could give rise to a premises liability claim include slips and fall due to a slippery floor or wet floor, poor lighting, unsafe conditions, poorly maintained staircases or walkways, uneven sidewalks, negligent security, animal bite attacks on another’s property, improperly stored or maintained equipment, dangerous activity and hazardous substances.

Common Types of Premises Liability Claims

Premises liability accident cases involve injuries caused to injury victims by negligent property owners or occupiers. These cases range from structural defects to inadequate maintenance of smoke detectors or office buildings.

Our attorneys handle common personal injury claims like elevator accidents, slippery surfaces accidents, hotel accidents, and collapsing porches.

a photo of a wet floor sign with a person slipping in the background

Seeking legal counsel from a premises liability lawyer can help ensure personal safety and financial recovery after an accident.

Slip and Fall Accidents

Slip and fall accidents are one of the most common types of premises liability cases in Chicago. If you or a loved one has been injured in a slip and fall accident, you may be able to pursue compensation from the property owner. 

Swimming Pool Accidents

Swimming pool accidents can lead to serious injuries and other damages. If you or someone you know has been injured in a swimming pool accident in Chicago, Illinois, you may be entitled to compensation for your losses. 

Elevator Accidents

Premises liability claims for elevator accidents in Chicago can be complex, as they involve a variety of laws and regulations. Depending on the circumstances, victims may have to consider filing a punitive damages claim with the property manager or operator, or even third-party contractors who maintain the elevator.

Learn More: How Long Do You Have to File an Injury Claim in Chicago?

Negligent Security Claims

Negligent security claims arise when an injured person can prove that the private property owner was negligent in providing adequate security and as a result, the injury occurred. To be successful with a premises liability claim, you must prove that the property owner had a duty of care to provide reasonable surveillance footage for security and they breached that duty by failing to take proper measures to ensure safety.

Property Owner Negligence

Property owner negligence is one of the most common grounds for a premises liability claim in Chicago. Property owners have a legal obligation to keep their premises safe for visitors, and if they fail to do so, it could result in injury to the visitor.

To build a successful premises liability claim based on property owner negligence, you must be able to show that the injury was caused by the property owner's failure to provide a safe environment.

Duty of Care Owed by Property Owners in Chicago

Property owners in Chicago owe a duty of ordinary care to their tenants and visitors, meaning that they are responsible for ensuring the safety of anyone entering their premises.

an attorney discussing a premises liability claim with a client

This includes making sure the property is free from hazards and providing adequate security, depending on the type of property. If a person suffers an injury while on someone else’s property, the owner may be liable for damages if they failed to fulfill their duty of care.

In Chicago, premises liability requires property owners to take reasonable steps to protect visitors from harm. This includes maintaining the property, warning visitors of potential dangers, and ensuring safety. The degree of care depends on the situation, but owners are expected to ensure visitor safety and warn of hazardous conditions.

What to Expect From a Premises Liability Claim

Premises liability claims can be filed when someone is injured due to a dangerous condition on someone else's property. Compensation can be sought from negligent parties for pain and suffering and other damages. Property owners are responsible for accidents caused by unsafe, defective, or dangerous conditions.

In Chicago, slips and falls or inadequate security are common cases. To file a valid injury claim, evidence must be gathered, such as medical documents or witness accounts. Obeying applicable laws is important, such as not trespassing or following posted signs.

Gathering Evidence to Support Your Claim

If someone is injured due to an unsafe premise in Chicago, they may be entitled to compensation through a premises liability claim. To increase the likelihood of a successful claim, it is necessary to collect and preserve evidence.

In a premises liability case, the burden of proof lies with the plaintiff, so evidence must show that the property owner or occupier acted negligently or was responsible for the injury.

To achieve this, document the accident and its aftermath as thoroughly as possible. Take pictures of any hazardous conditions, record conversations with witnesses or the property owner, and keep any medical bills records related to the injury.

Calculating Damages After an Injury Occurs

If someone is injured due to another's negligence, they may be entitled to compensation for their losses. Calculating damages for a premises liability claim in Chicago is complex and requires knowledge of both the law and personal finance.

When dealing with a personal injury case, it is important to identify the different types of losses that occurred as a result of the injury. These losses can include medical expenses, lost wages, and non-economic damages such as pain and suffering.

a law book, gavel, and statue of justice on a desk

There are various types of personal injuries, such as traumatic brain injury, spinal cord injury, emotional distress, neck injuries, bite injuries, foreseeable injuries, and head injuries. It is crucial to document any pain and suffering experienced to receive appropriate compensation.

Also, consider indirect or consequential damages like physical therapy and rehabilitation costs, home modifications, and transportation expenses related to treatment. Account for all costs when calculating damages for a premises liability claim.

How an Attorney Can Help You With a Premises Liability Claim

You may qualify for a premises liability claim if you were injured on someone else's property in Chicago. This type of lawsuit holds property owners responsible for injuries caused by dangerous conditions or inadequate security. You can seek compensation if you were a victim of slip and fall accidents, dog bites, or other forms of harm.

Our personal injury lawyers can help you with your premises liability claim by gathering evidence and proving negligence. Our attorneys have experience in handling these cases and aim for maximum financial compensation.

Call us today for more information at (312)-300-2515 to schedule a FREE consultation!

When it comes to personal injury cases, understanding the process is key. It’s important to know what questions to ask a personal injury lawyer that will help you get a better idea of what to expect throughout the process. Ktenas Injury Attorneys is here to help you every step of the way.

Chicago personal injury attorney Chris Ktenas

The following questions should be asked of your experienced personal injury lawyer regarding your legal representation during the initial consultation. Call Ktenas Injury Attorneys today at (312)-300-2515!

What Are Your Fees?

Personal injury law firms with a good track record often work on a contingency fee basis, meaning clients only pay if they receive monetary damages. This eliminates upfront costs and provides a benefit for personal injury accident clients who only pay if they win their case.

a gavel and notebook that has "personal injury lawyer" written on it

The percentage of the award that goes to the lawyers also varies, usually between 25% and 40%. Depending on the specifics of your case, your experienced lawyer may even be able to negotiate a lower rate for their services. Be sure to discuss these fees with your potential lawyer beforehand so that there are no surprises later down the line.

If I Lose, Will I Be Responsible For Any Case-Related Costs?

Knowing the costs of a personal injury claims case is important. These costs include court fees, expert witness fees, and administrative services. Some lawyers may pay these costs and take a contingency fee agreement, but it's important to clarify who will pay if the case is lost. Some lawyers require repayment of prepaid expenses upon loss.

Always discuss case-related costs and financial obligations with a personal injury attorney before signing any contracts. Understanding potential costs can help you prepare for an unfavorable outcome.

Have You Tried Any Personal Injury Cases Similar to Mine to Juries Before?

Selecting a lawyer with extensive legal experience and a record of success in a particular type of personal injury case is crucial. Some attorneys may claim a general level of experience with personal injury law, but lack experience in a specific situation, like slip-and-fall accidents.

a gavel and stethoscope next to a personal injury claim for

To ensure your lawyer has the necessary extensive experience, ask about their experience and successful trials in cases like yours. Requesting examples of past successful trials can help you make an informed decision. Don’t be afraid to ask specific questions about previous clients, look at client testimonials and outcomes.

How Much Time Do You Have Available to Dedicate to My Case?

It's important to know if a personal injury lawyer can devote enough time to your case. Some lawyers may take on new potential clients but not have enough time for existing ones.

You should stress the urgency of your case and ask when it will be filed with the court. This lets you know progress is being made and when deadlines must be met. If a lawyer has no other active cases, they can dedicate more resources to yours and complete the fair settlement process efficiently.

Learn More: Check Out these Crash Statistics from the Illinois Dept. of Transportation

However, if a lawyer has multiple active cases, it may take longer to gather information and develop strategies. Knowing the lawyer's time commitment helps gauge the expected maximum financial compensation resolution timeframe.

What is the Average Duration for Resolving a Case Similar to Mine?

The time it takes to resolve a case depends on many factors including the type of accident, the complexity of the facts, the insurance company, and the availability of witnesses. It's hard to give a precise estimate for civil court cases, which can take months or even years to conclude.

a notebook with questions to ask a personal injury lawyer next to a cup of coffee

To get a better idea of the timeline for your case, speak with personal injury attorneys who have handled similar cases. It's important to choose a lawyer committed to resolving your case quickly and efficiently in a certain time frame so you can move on with your life.

What is the Percentage of Successful Outcomes in your Trials?

Your experienced injury attorney may not have control over whether your case goes to trial. Settlement negotiations may not be successful, so your lawyer must plan for a potential court battle. Your legal team must conduct a thorough review of the evidence, police reports and speak to witnesses to prepare.

Knowing your lawyer's legal action success rate at trial is crucial before choosing them. Some lawyers won't share this information, but it's important to evaluate who will represent you in court. Keep in mind that success rates vary depending on specific cases, so do your research before deciding.

Can You Provide an Estimate of the Value of My Case?

When speaking with a personal injury lawyer, it can be helpful to ask about the potential value of your case to make an informed decision about pursuing legal action. A skilled lawyer can assess all factors and provide a range of maximum compensation settlements or verdicts. They can explain complicating factors and review the evidence and medical expert records.

It is good practice for victims to research and make informed decisions. Comfort with the lawyer's opinion is important and judgment should be used when evaluating claims. Beware of personal injury firms that make promises without credible data.

Who Will Handle My Case?

When choosing representation for an accident lawsuit, it's important to ask who will handle it. You don't want to be misled by someone who won't be working on your case. Find out who you'll have contact with and who will supervise less experienced associates.

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Accident victims should have a clear idea of who they can turn to with questions and concerns. Senior partners may be present, but make sure someone at a similar level is overseeing your case. Knowing who is handling your case will give you peace of mind, knowing that your rights and interests are being properly represented.

Can You Please Clarify What My Involvement is in the Lawsuit?

One of the most important questions to ask a personal injury lawyer is, “Can you please clarify what my involvement is in the lawsuit?” This question helps the potential client understand their role and expectations during the legal process.

Your role in a personal injury victim lawsuit is to be active and informed. Give your lawyer all relevant information, like medical treatment records, witness statements, and evidence. Attend all legal proceedings and stay up-to-date. If you want to be more involved, talk to your lawyer. Some prefer a hands-on approach, but lawyers may limit participation. Establish a relationship with your lawyer and communicate clearly throughout the lawsuit.

Call Ktenas Injury Attorneys Today for Any Other Questions!

Do you have any other questions for a personal injury lawyer? If so, then call Ktenas Injury Attorneys today! Our experienced team of attorneys is here to answer all your questions and provide personalized advice based on your specific situation.

At Ktenas Injury Attorneys, we understand that no two personal injury cases are the same. That’s why we take the time to get to know you and your case and develop a custom strategy for achieving the best possible outcome. For more information or to schedule a consultation, call our office today!