Naperville Car Accident Lawyers

If you suffered injuries in a car accident in Naperville, Chicago, or one of the surrounding communities, you may be entitled to a sizeable financial award. 

When you’re in pain, traumatized, and you’re dealing with doctors and surgeons and ongoing medical care, however, the last thing you need is to be negotiating with a reluctant insurance adjuster. 

Contact our experienced Naperville car accident lawyers at Chute, O’Malley, Knobloch & Turcy, and let our legal team shoulder the challenges of your injury case so you can focus on your recovery.

Why Hire Us?
  • Se Habla Español
  • 50+ Years of Combined Experience
  • Risk-Free Consultations
  • You Don’t Pay Unless We Win
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    Why Trust Our Car Accident Attorneys?

    Our team of Naperville car accident attorneys brings decades of combined experience to help you win your case. We’ve recovered millions in compensation for our clients, demonstrating our commitment to achieving optimal results. Our attorneys are known for their aggressive representation, personalized approach, and in-depth knowledge of the complicated injury laws in Illinois. We work on a contingency fee basis, meaning you pay nothing unless we win your case. With our resources, skill, and unwavering dedication, we’ll fight tirelessly to secure the compensation you are entitled to receive.

    We’ll Maximize Your Compensation

    Complicated injury cases often involve multiple at-fault parties and numerous insurance policies. Even if liability in your car accident case initially appears to be cut and dry, our attorneys will investigate to determine whether additional sources of compensation may be available. We’ll help you file claims against all at-fault drivers, negligent vehicle manufacturers, and even government entities who played a role in causing your injuries.

    We’ll Create Personalized Legal Strategies

    You are not just another injury case when you hire our law firm. Your satisfaction, your well-being, and your full recovery, are important to us. Your case outcome is not successful unless you’re happy with the results. To ensure we deliver first class legal representation to you and your family, our attorneys will evaluate all the details of your accident, the ways your injuries impact your life, and your goals to create a customized legal strategy that’s specific to your case.

    We Won’t Charge Upfront Fees

    You shouldn’t have to worry about the cost of hiring a car accident attorney, or paying for legal fees when you’re already dealing with the aftermath of a crash that was caused by someone else. To make sure injured people in Naperville have access to legal representation to help them pursue compensation for their losses without any additional financial risk, we handle car accident cases on contingency. We’ll only charge you attorney fees if we win your case.

    Client Testimonials

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    Understanding the Basics of Car Accident Claims in Naperville

    Understanding the basics of car accident cases can help you navigate the claims process more effectively if you’re involved in a car accident in Naperville.

    What’s Involved in an Illinois Car Accident Case?

    Illinois is an at-fault state when it comes to car accidents. This means that the driver who is determined to be responsible for causing the accident is also responsible for any resulting damages or injuries. When you pursue damages for your car accident injuries and losses, you’ll need to consider the following.

    Proving Fault

    After an accident, it’s crucial to gather evidence that can help establish who was at fault. This may include police reports, witness statements, and photographs of the accident scene. The more evidence you have that demonstrates negligence on the part of the other driver or drivers, the better your chances of recovering compensation.

    Insurance Claims

    The at-fault driver’s insurance company is typically responsible for covering the costs of damages and injuries to other parties involved in the accident. Not all insurance policies have equal amounts of coverage, however. If the at-fault driver’s insurance policy limits are not high enough to cover your losses, additional policies or other sources of compensation may be available.

    Comparative Negligence

    Illinois follows a modified comparative negligence rule in personal injury cases. This means that if you’re found to be more than 50% at fault for the accident, you cannot recover damages from the other party. If you are 50% or less at fault for the accident, you can recover compensation, but your award will be reduced accordingly.

    Statute of Limitations

    In Illinois, you generally have two years from the date of the accident to file a personal injury lawsuit, and five years for property damage claims. Exceptions may apply to your case, and an attorney can provide you with case-specific information. Just remember – if you wait too long to hire a car accident lawyer and take legal action, you will lose your right to recover compensation through the legal system.

    Minimum Insurance Requirements

    Uninsured/Underinsured Motorist Coverage

    UM/UIM coverage can protect you if you’re in an accident with a driver who doesn’t have insurance, doesn’t have enough coverage, or leaves the scene of a crash. To recover compensation in one of these situations, you’ll need to file a claim against your own insurance policy. Keep in mind – just because it’s your own insurer doesn’t mean the adjuster will play fair. Concerns over their own bottom line will take priority over your recovery.

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    How to Recover Compensation in a Naperville Car Accident Case

    In most car accident cases in Illinois, victims start the recovery process by filing claims against the at-fault driver’s auto insurance policy. Sometimes, further investigation leads to claims or lawsuits against additional at-fault parties, however, like parts manufacturers, mechanics, or government entities. If you hire a car accident lawyer to handle your case, he or she will determine who you can file a claim against, and take care of this part for you.

    To increase your chances of recovering compensation, your lawyer will gather evidence to submit to the insurance company, including information about the amount of your losses. This is typically when car accident settlement negotiations begin.

    Will your car accident case go to trial? Probably not. It is a common misconception in Illinois that complicated claims and those with severe injuries always lead to lengthy trials. However, while the insurance company will usually fight harder against high-value car accident claims that involve large payouts, roughly 95% of injury cases still settle out of court.

    What Are Damages in a Car Accident Case?

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    Economic Damages

    Economic damages, also known as “special damages”, are the financial, or material, losses suffered by the car accident victim. These losses are calculated by adding up medical bills, statements, and receipts, evaluating wage and earnings statements, and sometimes consulting with financial experts. Your damages in a car accident case might include:

    • Lost Wages
    • Medical Care
    • Medications

    Non-Economic Damages

    Non-economic damages, or “general damages”, are the non-financial losses suffered because of your accident. These losses are subjective. They are more difficult to assign a monetary value to since they are not linked to bills or financial statements. After a car accident, non-economic damages might include:

    • Physical Pain
    • Emotional Trauma
    • Loss of Enjoyment of Life

    Punitive Damages

    Punitive damages may be awarded in your car accident case if the at-fault driver’s behavior was particularly egregious or intentional. These are different from compensatory damages, which are intended to make the victim “whole”. Instead, punitive damages are designed to punish the wrongdoer and prevent similar acts from occurring in the future. They might be awarded in cases involving:

    • Aggressive Driving
    • Drunk Driving
    • Hit-and Run Accidents
    Win Maximum Compensation.

    Illinois Car Accident Statistics

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    • Illinois drivers travel an estimated 100 billion miles every year.
    • An average of 285,000 motor vehicle crashes happen annually in the state.
    • Of those, more than 1,100 are fatality accidents that cause approximately 1,260 deaths.

    Most auto accidents that result in severe injuries or deaths involve speeding, alcohol consumption, or distracted driving. Nearly all crashes can be prevented.