Frequently Asked Questions

After an accident or injury, it’s normal to feel overwhelmed. Keeping track of important information can be confusing, especially when you’re trying to protect your rights.

At Spiros Law, P.C., we want clients to have quick and easy access to basic legal information. To help, we’ve gathered answers to common questions we hear from personal injury clients.

We hope these FAQs help you better understand personal injury law. We update this list regularly, so check back if you don’t see your question right now.

Important: The information below is for general purposes only and is not legal advice. If you have questions about your specific situation, contact the Illinois personal injury lawyers at Spiros Law, P.C. to discuss legal options available.

MEDICAL BILLS & LEGAL FEES

Can I get help paying my medical bills after an accident?

Yes. If you were injured due to someone else’s negligence, you may be able to recover compensation for past and future medical bills through a personal injury claim. This can include hospital care, surgeries, therapy, medications, and ongoing treatment.

Do I have to pay a lawyer upfront?

No. Spiros Law works on a contingency fee basis. This means:

• No upfront costs
• The firm covers case expenses
• Legal fees are only paid if compensation is recovered

Can a lawyer help reduce my medical bills?

Yes. An attorney may be able to:

• Negotiate medical liens
• Work with providers to reduce outstanding balances
• Ensure medical bills are properly addressed in your settlement

INSURANCE & CLAIMS HELP

How does a lawyer deal with insurance companies for me?

A lawyer can:

• Handle all communication with insurance companies
• Protect you from saying anything that could harm your claim
• Push back against low settlement offers
• Negotiate for fair compensation

What types of insurance coverage may apply?

Depending on your policy, coverage may include:

• Medical Payments (MedPay)
• Uninsured Motorist (UM) coverage
• Underinsured Motorist (UIM) coverage

An attorney can identify all available coverage options.

What if the insurance company acts in bad faith?

If an insurer delays, denies, or undervalues a valid claim, a lawyer can challenge unfair practices, negotiate aggressively, and pursue legal action if necessary.

TIME LIMITS & FILING DEADLINES

How long do I have to file a personal injury claim in Illinois?

In most cases, you have two years from the date of the injury. Some exceptions apply under the discovery rule, when injuries are not immediately known.

Are there different deadlines for different cases?

Yes. Common Illinois deadlines include:

• Personal injury and car accidents: 2 years
• Medical malpractice: 2 years from discovery (4-year maximum)
• Wrongful death: typically 2 years
• Workers’ compensation: 3 years, or 2 years from the last payment

Missing a deadline can permanently bar your claim.

LIABILITY, FAULT & NEGLIGENCE

What is negligence?

Negligence occurs when someone fails to act with reasonable care and causes injury to another person.

What is liability?

Liability means being legally responsible for another person’s injuries and damages.

How do I prove fault in a personal injury case?

You must generally show:

• The other party owed a duty of care
• That duty was breached
• The breach caused your injuries

Who decides fault after a car accident?

Police issue an initial report, insurance adjusters investigate, and final fault determinations may be resolved through negotiation or court proceedings. Illinois follows a modified comparative fault rule.

CAR COLLISIONS & UNINSURED DRIVERS

What if the driver who hit me does not have insurance?

You may still recover compensation through:

• Uninsured Motorist (UM) coverage
• Underinsured Motorist (UIM) coverage

Most Illinois auto insurance policies include UM coverage.

What does a police accident report include?

Police reports typically include:

• Date, time, and location
• Parties involved
• Witness statements
• Diagrams and officer observations

INJURY TYPES & CASE ELIGIBILITY

How do I know if I have a valid personal injury claim?

You may have a claim if:

• Another party acted negligently or recklessly
• You suffered physical, emotional, or financial harm
• Medical treatment was required

What qualifies as medical malpractice?

Medical malpractice occurs when a healthcare provider deviates from accepted medical standards and causes patient injury.

What are signs of nursing home abuse or neglect?

Common warning signs include:

• Unexplained injuries
• Poor hygiene or malnutrition
• Emotional withdrawal
• Sudden behavior changes

COMPENSATION & CASE VALUE

What damages can I recover in a personal injury case?

Compensation may include:

• Medical expenses
• Lost wages and future earnings
• Pain and suffering
• Disability or disfigurement
• Long-term care costs

What is my injury case worth?

Case value depends on:

• Injury severity
• Medical costs, including future care
• Time missed from work
• Long-term impact on your life

An attorney can provide a realistic estimate after reviewing your case.

EVIDENCE & CASE PREPARATION

What information helps build a strong injury case?

Important evidence may include:

• Medical records and bills
• Accident or incident reports
• Photos or video
• Witness statements
• Proof of lost income

AFTER A SEVERE INJURY

What should I do immediately after an accident?

If possible:

• Seek medical care right away
• Document what happened
• Collect witness information
• Avoid speaking with insurance companies before getting legal advice

FREE CONSULTATION & LEGAL SUPPORT

What is a free consultation?

A free consultation allows you to discuss your accident, understand your legal options, and ask questions with no obligation.

Who will I speak with at Spiros Law?

You will work with experienced attorneys and a dedicated legal team that provides regular updates and prompt responses throughout your case.

WHY HIRE A PERSONAL INJURY LAWYER

Why do I need a lawyer if the insurance company made an offer?

Insurance companies often offer far less than a claim is worth. A lawyer can evaluate the offer, calculate future costs, negotiate on your behalf, and prepare your case for trial if needed.

When is hiring a lawyer especially important?

Hiring a lawyer is critical when:

• Injuries are severe or permanent
• Long-term care is required
• Multiple parties are involved
• Liability is disputed
• The insurance company delays or refuses to pay

Disclaimer: This FAQ content is for general informational purposes only and does not constitute legal advice. Past results, verdicts, settlements, and testimonials do not guarantee future outcomes. Each case is unique and depends on its specific facts and applicable law. Attorney advertising. Spiros Law Firm is licensed in Illinois.