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Understanding Auto Insurance Coverage

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If you are having trouble settling with the insurance company after a car accident, seek legal help from a Chicago car accident lawyer.

chicago car accident auto insuranceAll car insurance companies are not the same and they do not always provide the same type of coverage – the difference goes beyond the price tag. There are different types of insurance companies, each offering different types of coverage. Consider a variety of factors when shopping for auto insurance.

Minimum Requirements

In the state of Illinois, there are a number of things to keep in mind before renewing your current policy or buying a new one. The policy you purchase must meet the minimum requirements. Drivers must have a minimum bodily injury coverage of $25,000, $50,000 for personal injury coverage per accident, and $20,000 for property damage. If you are found guilty of causing an accident, any damages awarded above these limits must be covered by you.

These limits are commonly known as liability limits because they cover costs related to an accident that you are liable for. It is also advisable to have underinsured or uninsured coverage on your policy. This type of coverage allows a car accident victim to file a claim against their own policy when they are involved in a hit and run accident or an accident caused by someone who does not have coverage.

Underinsured Coverage

Underinsured coverage comes in handy when you are involved in a car accident caused by a underinsured driver – a driver who does not have adequate coverage to cover all costs related to the accident. This coverage proves extremely beneficial in the event of a severe crash, resulting in extensive property damage, serious bodily injuries, and lost wages due to time missed from work.

Collision Coverage

Drivers also have the option to purchase collision coverage. With collision coverage, the policy pays for repairs or replacement of your car in the event of a crash. If you do not have collision coverage, and you get involved in a crash, you may have to pay for the damage out-of-pocket. Comprehensive insurance is another type of coverage that is optional in Illinois, and provides coverage if you car is stolen, vandalized, or strikes an animal.

Tips To Save Money on Auto Insurance

Insurance premiums have been on a steady increase the past few years and has become a cause of concern for consumers. A recent industry wide car insurance satisfaction survey indicates that satisfaction levels have dropped by seven points. The 6.6% insurance hike comes up against a 1% inflation rate and this has many vehicle owners looking at ways to save on insurance – without compromising on coverage.

There are several ways to save on insurance premiums; however, insurance owners should be careful when they consider changing their policy or while reducing coverage. Car insurance is used to pay for all expenses in the event of a car accident. Ultimately, car insurance should be able to cover for repair costs, medical expenses, lost wages, and other accident-related expenses, without compromising an accident victim’s ability to pay for basic daily expenses. Here are a few pointers on getting the maximum out of insurance without compromising on coverage.

How to Save

  • Shop for insurance – Car insurance buyers should shop around and look at different insurance providers. Choose one that is best suited for your needs.
  • Look for discounts – Ask an insurance provider for discounts. Many insurance companies include discounts for good driving behaviour, students’ concessions, and discounts for certain groups.
  • Use one insurance provider – Many insurance companies offer multi-policy discounts. One can save by moving all policies (car insurance, homeowner’s policy, medical insurance, etc.) to one insurance provider.
  • Higher deductible – While trying to save on insurance premiums, increasing the deductible amount is one way to lower the monthly payment. However, policy owners should be aware that raising the deductible can cost more in the event of an accident.
  • Safety features – Adding safety features and technology in cars are designed to reduce accidents. Some insurance companies will consider these while calculating premium rates. More safety features can translate to lesser premiums.
  • Good credit – Credit scores are always considered when policy premiums are calculated. Maintaining a good credit score is an important factor for deciding insurance premium.
  • Stacking UM/UIM coverage – Dual or multiple car owners can opt to stack their UM/UIM coverage wherein the coverage doubles at an inexpensive cost.)

Avoid These Costly Mistakes

Reducing coverage can save on premium costs. However, it always comes at a price, especially in the event of an accident. Here is what one should not do.

  • Uninsured and underinsured motorist coverage (UM/UIM) – UM/UIM is a coverage component that covers an accident victim in case the at-fault driver is not covered or is not covered enough to pay for the expenses. One should never reduce the UM/UIM coverage.
  • Tort option – Policy owners should always opt for full tort. In the event of an accident, the full tort clause enables a victim to sue for pain and suffering, thereby increasing the settlement amount one receives for car accident damages.

Accident Claims: Insurance Company Tactics You Should Be Aware Of

After a car accident, your first thought may be to claim compensation from the insurance company for your injuries and other losses. However, it has been known that insurance providers have methods to either minimize your claim or deny it altogether. To avoid these from happening to you, be aware of these common tactics that insurance companies use to deny accident claims.


Insurance providers have a duty to process claims in a timely manner, but disreputable companies use stalling or delaying tactics to eventually force you to give up. Your insurance adjuster may use excuses such as ongoing investigation, more requirements to comply with, and coverage confirmation. Don’t hesitate to call the adjuster everyday if necessary and ask for a clear update on your claim.

Denying Fault

Fault or liability is a key element in insurance claims. If another driver is liable for your vehicle accident, that driver’s insurance provider may try to deny that it was his/her fault. Or, if it is obvious that the other driver was indeed at-fault, the insurer may try to minimize the liability by arguing that you were also partly at-fault.

Check your state’s laws on fault and comparative negligence – these set the rules on how you should be compensated with regard to who was at fault in the accident.

Claiming Lack Of Evidence

The insurance company may simply tell you that you have failed to provide enough evidence to support your claim. This is why it is crucial for you to document everything relevant to your accident. File a police report, take photographs, keep medical bills and reports, and document the wages you lost from missing days at work.

Minimizing Injury

To limit the amount they have to pay you, an insurance company may argue that the extent of your injuries isn’t as much as you claim it to be. Typically, the company hires a doctor or medical professional to conduct an “independent medical examination”. While this is part of the investigation process, some hired experts may unfairly conclude that your injuries aren’t as severe as claimed or that you underwent excessive treatment.

“Pre-existing Condition” Excuse

Another excuse that an insurance adjuster may take advantage of is claiming that your injuries are part of a pre-existing condition and weren’t caused by the accident. This tactic makes many people hesitate to pursue their compensation claim.

For example, if you have had arthritis before the accident, but started to experience back pain only after the accident, the adjuster may assert that your back pain is part of your pre-existing arthritis that didn’t have anything to do with the crash. Don’t abandon your claim because of assertions like this. A rule of thumb is that if the symptoms occurred only after the accident, they may very well have been caused by the accident.

Insurance company tactics are tricky and may not be easily recognizable. It is best that you get the guidance and protection of an accident attorney to ensure that you get paid the full amount you deserve.

Why You Shouldn’t Skimp on Underinsured Coverage

If the person has only minimum Illinois coverage then the most their insurance will pay you for your injuries and losses is $20,000.

Despite what many people think, there isn’t an endless stream of settlement money available to you if a negligent driver hits you and sends you to the hospital. What you can do after that depends on the choices you made when you purchased your own insurance.

Whom does underinsurance coverage pay?

If you are in an accident and the other driver was at fault but has no insurance, your uninsured/underinsured coverage is the insurance that will pay for your injuries and losses up to the amount of your policy. In case you missed that, underinsurance coverage is insurance on YOU if the negligent party doesn’t have enough insurance to cover you. If you only purchased the minimums, that amount would be $20k for you or $40k if others in your car were injured. However, if you wisely spent the extra few dollars per month to have adequate coverage, say $250,000/$500,000 then that money would be available to cover your injuries and losses.

If you have 250k/500k liability coverage, it is only a few dollars more to have that same coverage on you with underinsurance coverage. You aren’t buying insurance for the other driver, this money is to make sure your injuries and losses are covered in an accident caused by a negligent driver.

A typical case without adequate underinsurance coverage

A good example of inadequate underinsured coverage would be a young person who buys only the minimums ($20k/$40k) on both liability and underinsured coverage for his or her motorcycle. (To save money, of course) Your motorcycle accident occurs when a texting driver didn’t see you. Your injuries were typical for a serious motorcycle accident, leaving you with injuries and losses of over $150,000. The driver of the car only carries the minimum insurance. (Same as you)

This means that your negotiations with the other driver’s insurance company will be over how much of the $20,000 they are going to give you. There is no other money to fight over logistically. That leaves you $130,000 short. However, if you had $250,000/$500,000 underinsurance coverage or more, our negotiations for your settlement would be with your insurance company for your share of your $250,000 underinsured coverage.

5 Causes of Car Insurance Premium Increase in Chicago

While most of us have a good idea about the basics of car insurance, such as shopping around for a suitable insurance plan, selecting the needed coverages, making premium payments and adjusting the plan according to any changes in our situation.  But there are several factors that many people are unaware of that can cause insurance premiums to spike. Chicago car wreck lawyer explains these 5 factors in detail.

  1. Adding a teenage driver to the insurance plan – It’s a well-known fact that teen drivers are more prone to accidents, and insurance companies are well aware of this. Their inexperience combined with poor judgment become a perfect recipe for a car accident. Every time a teen driver ventures out on the road, they are prone to making mistakes and can cause accidents that involve other drivers. Due to this, once you add a teen driver to your insurance plan, your premium will most likely increase. Insurance companies perceive teen drivers as high-risk.
  2. Driving record and traffic accidents or violations – If you have been involved in any automobile accident or have any traffic tickets, your insurance rates may increase. Most insurance companies perform a background check on the driver, and during this process, they check for any traffic violations and accidents that he/she was involved in. If they find that you have received tickets or have been involved in any accident, your insurance premiums may spike.
  3. Purchasing a new car – It often costs much more to replace newer vehicles compared to older models. Also, newer models have a higher market value than older vehicles and insurance companies are aware of that.  If you get into an accident with your new vehicle, it may be more expensive to replace parts and make the repairs.
  4. Type of vehicle – Your insurance rates can decrease or increase based on the type of vehicle you drive. If you drive a swanky sports car, the premium rates you have to pay may increase for several reasons. These types of vehicles are stolen more often and attract more attention from law enforcement officials. This can make you more susceptible to traffic tickets. Family cars, in general, have lower premium rates.
  5. Marital Status – Married drivers with children are considered safe drivers because they are less likely to drive recklessly. Insurance companies believe that when a driver has children strapped into their vehicle, they will be more cautious while driving. Married drivers with children are also more likely to follow traffic rules and avoid accidents. On the other hand, unmarried drivers without children are considered high-risk drivers and have to pay higher premiums. If you are a man under the age of 25, be ready to pay more.

The Importance of Having Enough Auto Insurance

Despite Illinois law, many drivers that use our roads do not have insurance. Many others do not carry enough insurance. It seems to me that the people who have little or no car insurance always seem to be the most irresponsible drivers. Case in point – We were recently retained by pedestrians who were struck by a drunk driver in Chicago. One of the pedestrians suffered a wrongful death and the others suffered very serious injuries. Our investigation revealed that the drunk driver (now in jail) had car insurance, the Illinois minimum of $20,000 per person and $40,000 in the aggregate. Since the drunk driver had minimal insurance and the pedestrians did not carry sufficient UIM coverage, it appears that their maximum available recovery, between the four of them, will be $40,000, a tiny fraction of what their cases are worth. If the pedestrians would have carried more UIM coverage, let’s say $250,000 or more, they would be in much better shape. I recommend that anyone who owns a car carry AT LEAST $250,000 in UM/UIM coverage. In our case, the pedestrian not only have to suffer physically and emotionally but financially as well.

How Social Media Affects Car Accident Lawsuits

The internet, particularly social media, have become almost an addiction for many people. Take a look around and you will find people fixated on their smartphones. If you are involved in a car accident lawsuit, be careful about using Twitter, Facebook, and other social media platforms. Defense attorneys and insurance companies may use your social media activities to contradict your claim. In some cases, this strategy is successful.

Posting on Social Media

Photos and comments posted on social media can hurt your case. If you have filed a car accident lawsuit claiming a back injury and you post a photo of yourself lifting weights in the gym or playing soccer with your kids, the insurance adjuster can use those postings as evidence against your claim. Your posted comments on social media can also be used against you.

Avoid Using Social Media

You should not give the insurance company anything that they could potentially misrepresent or manipulate in order to damage your case. The goal of the insurance company is to reduce any settlements as much as possible. In order to protect your claim, take a break from social media while your lawsuit is pending. If you do use social media, practice these safety tips to protect your legal rights:

  • Make any postings factual and brief.
  • Set your social media account to family and friends only.
  • Do not accept any friend or follow request from people you do not know.

Dealing With Medical Bill Collectors

After the shock of being injured in a Chicago car accident comes the shock of how much it can cost you.

Not only are you looking at car repairs and bodywork, but may now be facing a stack of medical bills that your health insurance policy will not cover. Before you take out a second mortgage to start paying off those medical bills, you should speak with a car accident attorney. They may be able to help you recover your financial damages, and even lower your costs in the process.

Even for Chicago drivers who have comprehensive car insurance coverage to cover the cost of the medical care, it could take months before you see a payout from your claim. In most cases, a driver will be expected to pay for those medical charges out of pocket until the claim is settled, hopefully in their favor. Any injury causing accident is going to be complicated, and the car insurance company is likely to conduct an investigation, trying to find ways in which they can deny your claim.

Should You Pay Your Medical Bills Before Getting Compensation for Your Car Accident?

Before putting yourself into further debt paying off the medical bills incurred from a Chicago car accident, you should consult with a Chicago car accident lawyer. They can explore other forms of compensation that could result in you receiving more compensation over-all. Bring all of the details of the car accident, including the police report, with you to the consultation along with your medical records and bills.

It is important during this time that you are keeping careful track of all of your expenses related to the car accident during this time. Not only does that help in ensuring that you recover all of the money spent, it goes towards helping establish the seriousness of your injury.

Should You Accept a Quick Settlement in Order to Avoid Collections?

Taking some time to resolve a car accident settlement can also be beneficial to you. If you have suffered injury that will require long term care, the cost of that future care could be incorporated into the settlement amount. Once you accept an offer, you are usually not permitted to ask for more, and since the extent of injury is not always evident at first, it could be in your best interest to wait until your treatment has been completed to see what the outlook is.

Negotiating With Medical Bill Collectors

A Chicago car accident attorney also has the ability to speak directly with your creditors while your claim is being processed. They can provide proof that bills will be paid after the settlement, and in some cases negotiate to have the bills reduced on your behalf. As a result, you may pay less for your medical care.


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Illinois Injury Law Firm Practice Areas

Our Personal Injury Lawyers Can Help You Navigate Your Injury Case

Willen’s Injury Law Offices’ Accident and Personal Injury Lawyers have varied and extensive experience with personal injury law, from both sides of the aisle, is a true asset for their clients. Our Chicago personal injury attorneys not only have years of litigation and negotiation experience working for victims of accidents or negligence, but they also have Matthew L. Willens’ background as a former insurance company executive. 

Additionally, another accident lawyer at the firm, David Baez, spent the first part of his career as a defense attorney who represented insurance companies. As the firm’s clients sometimes say, “It’s like they know the other side’s playbook!”

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Twenty-five years of success in personal injury and medical malpractice cases.


Voted “Best of the Best” in personal injury and medical malpractice law, year after year.


No fees unless we win, plus we advance all costs.


Available to speak with you 24/7. Can’t come to us? We’ll come to you for your free consultation.


We are dedicated to obtaining the best possible resolution for our clients.

Client Reviews

Willens Injury Law Offices was highly recommended by a friend. Upon my initial consultation, David was very friendly yet profesional. He was able to get a favorable result, I will definitely recommend him to my family and friends. Thank you!
Lucia R.
19:41 08 Apr 21
When I got into my accident in 2018, I was 18, I was scared and I didn’t know what to do. David worked with me and made sure I was taken care of all the way to the end. He fought for my case and made sure I got the settlement I deserved. Definitely will be recommending the Willens office to my friends and family .Thank you!!!!
Emmalee R.
19:51 23 Nov 20
I 100% back this firm. I was in an accident that caused me some injury that needed medical attention. I reached out to Willens Law Offices to assist since I noticed a large amount of overwhelmingly positive reviews. Believe all the positive ones!!This firm is very professional and helpful from the beginning to end. They look out for their clients, and do their best to achieve 100% client satisfaction. If you consult with them to help, you will not be unhappy at the end.I want to give a huge shoutout to David Baez who assisted my throughout the entire case. I highly recommend him and this firm.Please note, if you utilize them and don't hear back a lot during the case, don't be alarmed. They will reach out to you when the time is right. They are not neglecting you, they are working hard day in and day out to resolve your case.1 Million % recommended!!!!!
Michael R.
18:42 13 Jun 20
It's been over a year since I was involved in my car accident - everyone knows that is a very stressful time for the injured party. I considered going through the whole process on my own but I quickly realized the insurance company was NOT my friend. I reached out to Willens Law Offices, met Matt and the attorney that would be handling my claim, David Baez. David was excellent, I'm big on communication and anytime I texted David; sometimes ad nauseam, he would always respond quickly and professionally. I had a ton of questions, and David answered everyone of them to my satisfaction. I could not have asked for a better attorney to fight for me, I have extremely high expectations and they were exceeded consistently.
Edmond P.
15:33 28 Apr 20
Reliable, efficient, & informative. Personable yet professional, Willens office took care of my every last need & then some!!
Kyle M.
15:35 10 Apr 20
I got into a car accident a couple years back, I didn’t know what to do so I researched on Google then found Willens law office. At the time it was new to me but after they help me out, guided me, let me in the right path and I haven’t been happy here ever since because justice was served! Thank you Willens coming from the Herrera family
Jose H.
18:38 03 Apr 20
I had an accident injuries and based on google reviews I reached out to Willens Law Offices in Chicago. David Baez helped me with my case. He came to meet us and understood our case in detail and he guided me all the steps of the process. I had advices from friends that you are unnecessarily going after the process and nothing will happen. David made everything worthwhile and he gave right advice always which was right for my health and right for the case. He worked very hard on my case for 2 years collecting all the paperwork, talking to physicians and taking care of my case and making it in my favor. I was truly blessed by having David Baez handling my case who was extremely professional, great ethics and felt as my family with him. After the injuries and pain I was afraid to select one but my God made me select the right one. If anyone feel they need accident injuries lawyer then I will only recommend David Baez. Nobody will beat his hard work, professionalisms, ethics and perseverance and yet down to earth and honest. Thank you for everything you have done for me and blessings from my heart for his success.
Mamta S.
14:25 06 Mar 20
David A. Baez at Willens Law office has been fantastic to work with. Very professional, informative and responsive to all questions. Hopefully I don't get into another car accident but if so I will call the Willens Law Offices asap.
steve B.
17:33 10 Dec 19
The initial impressions I had of this place turned out to be false, and I am thankful that I am pursuing the case with Mr. Willens. He is pretty incredible at what he does.
Donald B.
08:05 27 Nov 19
I can only say good things about Mr. Willens. He was fantastic, Aside from his awesome expertise, he is very down to earth and make you feel like family! HE TRULY CARES! Always eager to help and make himself available at every point of time. Thank you Matt again for everything!
Arthur L.
10:27 25 Nov 19
Truly passionate about their clients. Professional and easy to work with.
Peter W.
11:01 22 Nov 19
I came across Willens Law Offices after searching endlessly for a law firm to represent me in my personal injury case. I was well accommodated and he made me feel at ease, you truly feel like he will go the extra mile for you from the moment you hand the case over to him until the very end. I highly recommend this firm to anyone looking for representation!
Edna S.
10:05 20 Nov 19
If I ever find myself needing another law firm I will not hesitate for a second to contact him!
Micheal E.
10:12 18 Nov 19
I was involved in a car accident and was having trouble getting compensated for the amount I felt I should get. I contacted Willens Law Offices through a referral, worked with David Baez and had a very good experience. They helped educate me on the process along with helping me get what I deserved. I would HIGHLY recommend contacting them if you are involved in an accident.
mohsin M.
19:38 15 Nov 19
His staff was always so nice and friendly and responded promptly if I ever had any questions. I'm very thankful to come across them and will highly recommend them!
Rodrick M.
10:04 15 Nov 19
I'm sending a special thanks to Matt for working patiently and closely with me regarding the status of my case till the end. I can't recommend him highly enough.
Randy D.
14:08 13 Nov 19
Throughout the process of the case, he did an exceptional job. The entire process was extremely smooth and the staff kept me up to date on the status of my case. I give him 5 stars as he is the best legal attorney there is in the greater Illinois area. He truly deserve it.
Regina B.
15:40 11 Nov 19
I just want to thank Mr. Willens for being extremely reliable and diligent. He was able to adequately answer all my questions and concerns. He settled my case rather quickly. I will definitely recommend him to friends and family.
Bernadette F.
15:43 08 Nov 19
I was involved in a bad accident with multiple cars and I was in a terrible shape. Matt Willens handled my case exceptionally. Everyone that helped was also great! he was detailed and clear in all our communication and he always made sure I was aware of everything that was going on throughout my whole case. Really helped me get through a rough time. I am 100% satisfied with the outcome of my case. If you need a good lawyer on your side, look no further!
Laura W.
14:49 06 Nov 19
Willens Law Office handled my accident and they were incredible! Matt drove all the way to see me and I could see he really cared. He handled my injury case from start to finish and I’m now rebuilding the part of my life that I lost. Thanks for your help.
Todd Z.
05:55 11 Oct 19
I was involved in an accident back in last year and was searching for an attorney who looked like I can trust. I found Matt Willens and I am thankful. I called him up just to get a feel for him as a person and I could tell right away that he truly cared, not only about me but my family too. To say that he fought for us would be an understatement. He was ready to go to trial! Luckily we settled and it was for more money than I imagined, especially after my initial talk with the insurance company. Thanks Matt!
Paula D.
13:14 10 Oct 19
Matt Willens went above and beyond for my case. I felt as though he cared more about me and my situation than he did himself and the time that he was required to spend on my case. I highly recommend using him.
Marci P.
13:24 03 Sep 19
It was great to work with this firm. They handled every piece of paperwork. David Baez handled my case. He kept me informed through the whole process and treated me like family. I highly recommend David and the entire firm.
John C.
14:42 16 Aug 19
Willens Law is a firm I trust in because they specialize in personal injury matters. I have had a wonderful experience with Matt WIllens personally and I can say he is pleasant to work with and communicates thoroughly with his clients. I would recommend Willens Law.
Grant V.
05:28 19 Jul 19
I’m rarely compelled to leave a review for anyone but I felt I needed to show my gratitude.From the first time I spoke with Matt Willens on the phone I actually felt like he was there for me, looking after my best interests and not his own. That’s rare in my experience.Matt is an absolute pro and I wouldn’t think to call or recommend anyone else if I or a loved one were injured in the future. Thanks Matt!
Kyle W.
04:16 19 Jul 19
When I first contacted Willens law office, I just wanted to make sure everyone was paid after I was rear ended and I wasn’t the one doing it. My correspondence was primarily with David, he was always patient when I was slow to get him information and ended up calling me with great news after almost a year of back and forth with the at-fault insurance company.I can’t thank David and the Willens law office enough.
Amanda H
18:36 14 Jun 19
Willens Law Office is GREAT! David handled my case. He made me feel like family. He explained everything in detail every step of the way. He fought to get the results that would best benefit me. David is a great attorney. Thanks David and the Willens Law Office family.
Michael S.
17:53 31 May 19
Willens Law came highly recommended after I was badly injured when hit by an out of control car. I in turn most highly recommend Willens Law based on my great experience over the past year and a half.I am very pleased with both the outcome of my case as well as the experience working with Matt Willens and David Baez throughout the process.I had no specific expectation regarding a case outcome, seeking only ‘the best outcome possible.’ I certainly believe my case outcome was a great outcome. And I strongly believe that outcome was a direct result of fantastic work done by Matt and David.From beginning to end Matt and David were great to work with. They did a great job setting expectations; explaining what was to happen, including the why and the how; guiding me through the steps I needed to take; and answering both my “need to know” and “just curious” questions. They were always extremely prompt and clear in their guidance and responses to me.A silver lining in a tough situation was working with Matt and David, both of whom I came to respect professionally and like personally. I do most highly recommend Willens Law to others who may need such services.
18:55 22 May 19
Willens Law Offices is simply the best!!! David handle my case , and was nothing but professional! He is the best at what he do!!!!!Every step of the way, I was informed of my case!!!Thanks again!!
cassandra J.
17:55 26 Mar 19
Great team, did me right, pleasurable experience.
Robert P.
03:34 21 Feb 19
David Baez was prompt and professional in answering all of my questions.
Richard D.
00:19 07 Feb 19
David Baez was very professional, helpful and always kept me informed about my case. David responded quickly to any questions I may of had. I highly recommend Willens Law Offices for any personal injury case. Thanks again David for all the great work you did.
21:39 06 Nov 18
After being in an Uber accident about a year ago, I reached out to Willens Law to assist me through the settlement process. I had the pleasure of working with David Baez. From the start he was very personable and professional. He was always willing to educate me on the process and made sure I understood each step before going forward. Even after receiving my settlement, David has been willing to assist with any questions related to my case. I would highly recommend Willens Law.
Madelyn D.
02:47 05 Oct 18
I reached out to Willens Law Offices following a car accident that my girlfriend and I were involved in, and we met with David Baez for an in-person consultation shortly after. David was very personable and knowledgeable, and gave us confidence and peace of mind in a situation where we felt initially felt completely overwhelmed. There were times when we felt the communication could have been more proactive, but David was always responsive when we felt the need to check-in, even if there were no significant updates on our case. The process took a little longer than anticipated, but David was honest, thorough, and professional throughout.Overall, great experience and I'd recommend to anyone in need. Thank you David!
Geoff B.
20:44 17 Sep 18
After I was injured, and after researching Chicago's best law firms, I found Willens Law and read their reviews. After meeting Matt, I retained their services, along with the special efforts of his Partner, David Baez.They handled my case in a professional, efficient manner, while keeping me regularly informed. We worked incredibly well together, and won a very nice settlement. You would be foolish not to consider Willens Law for your Counsel, as I did. I highly recommend them!Ed Dybas
Ed D.
21:26 07 Sep 18
We had a very positive experience and felt their representation was very effective.
Kent M.
22:43 29 Aug 18
Working with Willens Law was a pleasure. They were responsive and extremely pleasant whenever I had questions or concerns. In my case, I personally took a little longer than I should have to start the process on my end, but David was able to pickup on my delay and process my personal injury case in a timely manner. I would highly recommend Willens Law and David when looking for an attorney to represent you in a case.
Maggie O.
14:07 23 Jul 18
I had a tremendous experience with this law firm, and I would highly recommend them. I had a bicycle injury caused by a negligent Uber car, and when I was first doing research and calling law firms all over the Chicago area to find representation, Matt Willens himself returned my call personally within ten minutes. I found that to be a huge integrity move as every other firm I contacted had a lower level employee call me back. Nothing wrong with that per se, but to have the lawyer whose name is on the door personally return my call meant a hell of a lot to me and was ultimately why I decided to meet with them first.I made an appointment and met Mr. Willens and the fantastic young attorney David Baez in their offices and they were wonderful to deal with. They are down-to-earth, funny, intelligent, tenacious, capable, experienced lawyers who explained the entire process to me in a way I could understand and made me feel comfortable and confident, and we were off and running with my case.I work in a law firm and I know exactly how slowly the wheels of justice turn, and my case was settled in about half the time that these things normally take! Amazing results. Mr. Baez and his team were incredible throughout and kept me informed every step of the way, and negotiated a higher settlement number and a lower fee for the insurance company in the eleventh hour which meant more money in my pocket!! I wholeheartedly recommend this law firm for your personal injury case. They are highly skilled and I couldn't be happier. This organization is fantastic and they will produce results for you.
15:01 05 Jun 18
Matt has been there for us every step of the way. He, personally, has taken the time to answer all of our questions. We never feel like we are bothering him or pestering him. We have only experienced patience and professionalism from both Matt and his team.
Maribeth C.
15:45 03 May 18
David was very good at keeping me up to date with what was going on and helping with every step throughout the entire process. I could not have asked for better representation.
Jennifer B.
21:14 24 Apr 18
David Baez was an excellent representation of the Willens Law Office. He achieved my desired result along with keeping me updated during the entire process. Very fortunate to have him by my side - thank you David.
keith B.
19:29 20 Apr 18
Matt is an impressive attorney and person! Took on State Farm and won for me. Highly recommend Matt for PI cases.
Danielle B.
22:47 10 Apr 18
This Law firm has been very prompt and kind in dealing with my case. I would recommend this law firm to anyone who needs injury lawyers.
F Z.
22:45 10 Apr 18
I used Willens Law for a personal injury claim. Matt was knowledgeable and professional. He also responded quickly which I really appreciated. I would definitely recommend.
Robyn R.
21:44 29 Mar 18
After a bad auto accident, and months of rehab, Matt Willens and his staff worked with me as though they were part of my family. They were professional, courteous and looking out for my best interest during the entire legal process. I would highly recommend Willens Law Offices for any personal injury.
dan B.
19:27 25 Mar 18

What Types of Cases Can Personal Injury Lawyers Handle?

Injured in an Accident? Give Us a Call Today: (312)-957-4166

Do I Really Need a Personal Injury Attorney to Handle My Case?

You are not legally required to have a personal injury attorney to handle your injury claim. You could file all the necessary paperwork yourself and represent yourself in court. However, your chances of winning your case and getting the compensation you deserve are much higher if you hire an experienced personal injury lawyer.

Why You Shouldn't Settle Directly With An Insurance Company

Insurance providers will try to get you to settle quickly. In the midst of your crisis, they might offer you what seems like a large dollar amount. The problem is they rarely make an offer of settlement for the true full cost of your damages. Don’t be misled, hospital bills aren’t the only things for which you will need compensation. You also need to keep in mind the suffering and pain associated with your traumatic event. 

Personal Injury Resources

Illinois Personal Injury FAQs

The Chicago personal injury lawyers of Willens Injury Law Offices respond to frequently asked questions related to personal injury, car accidents, medical malpractice, and workers’

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