Articles Posted in negligence

When you’ve been injured due to someone else’s negligence, securing a personal injury settlement can provide much-needed financial relief. However, if you’re one of the millions of Americans who rely on Medicaid for healthcare, receiving a settlement could raise important questions about your eligibility for benefits. Medicaid is a needs-based program, meaning that your income…

When a truck barrels down the highway, its sheer size and weight create an undeniable presence. For most drivers, sharing the road with such a massive machine is nerve-wracking but uneventful. Yet, for the unfortunate few involved in collisions with trucks, the aftermath can be devastating. Among the most life-altering consequences of these accidents are…

One question many personal injury clients have when they receive a settlement is, “Why does my insurance company get to claim a part of my settlement?” After enduring the challenges of recovering from an injury, receiving compensation for medical bills, lost wages, and pain and suffering feels like a much-deserved relief. However, it’s common for…

In recent years, car manufacturers have developed a variety of technologies aimed at preventing pedestrian accidents. From automatic emergency braking systems to advanced sensors that can detect pedestrians in a vehicle’s path, these innovations are designed to reduce the growing number of fatalities and injuries involving pedestrians. Yet, according to a recent study by the…

If you’ve filed a car accident claim, there’s an important element of the process happening behind the scenes: the insurance company’s decision to set reserves on your claim. Reserves represent the amount of money the insurer sets aside to cover the potential payout for your claim. While these reserves are an internal accounting mechanism, they…

Car accidents involving elderly drivers are an increasingly significant concern in Illinois, reflecting nationwide trends as the population ages. According to the U.S. Census Bureau, adults aged 65 and older will account for nearly 20% of the population by 2030, compared to just 13% in 2010. While older adults bring years of driving experience, age-related…

Renowned actress and author Brooke Shields, in her memoir “Not Allowed to Get Old“, revealed a deeply troubling experience where a doctor performed an intimate surgical procedure without her consent. Shields recounted that the doctor later justified the unauthorized procedure with the casual remark: “I threw in a bonus.” This shocking disclosure highlights a profound…

Dehydration and malnutrition are severe, life-threatening conditions that should never occur in a properly run nursing home. Unfortunately, neglect in nursing home facilities can lead to residents suffering from inadequate hydration or nutrition, resulting in severe health complications and, in some cases, death. Families often wonder how quickly these conditions can progress and what signs…

At John J. Malm & Associates, we recently resolved a challenging case that underscores the importance of uninsured motorist (UM) coverage. Our client, an innocent driver, was severely injured in a high-speed police chase involving a rented Turo vehicle. We were able to secure a $100,000 policy-limits settlement for him after placing a claim against…

This is a fictional account of an interview with a senior insurance adjuster for a national insurance company. The information shared in this fictional interview is based on actual events and real insurance industry tactics, including delay, deny, defend, and devalue. The facts presented are grounded in my 30 years of experience as a personal…