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1. Copyright Notice
Copyright © 2017 by Rosenfeld Injury Lawyers
All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or
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prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews
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publisher, addressed “Attention: Permissions Coordinator,” at the address below.
Rosenfeld Injury Lawyers
33 N Dearborn St #1930
Chicago, IL 60602
www.rosenfeldinjurylawyers.com

2. Introduction:
Why Car Accident Victims Deserve
a Book to Protect Their Rights
My name is Jonathan Rosenfeld and I work with
personal injury clients from all walks of life who have
suffered a wide variety of injuries simply because they
were in the wrong places at the wrong times. Our
society depends on vehicles as a primary mode of
transportation and millions of drivers access Chicago
and its suburbs through major highways and busy
streets. The unfortunate side effect of such high traffic
volume is a greater number of accidents.
We never think of the chance we take every time we get
behind the wheel of a car, but it is true that our lives can
be changed in the blink of an eye over our own mistake
or the reckless actions of others. When such
catastrophes occur, it is important that we are able to have access to the compensation our laws have
provided us so that the physical toll we endure is not exacerbated by a financial burden.
I founded Rosenfeld Injury Lawyers on the premise that every person who has suffered an injury deserves
access to a legal representative with relevant knowledge and experience. This is why my legal teams include
a car accident law team that is comprised of lawyers who specialize in car accident cases and who have
recovered compensation on behalf of other car accident victims like you.

3. This book will cover the different causes and types of car accidents and the types of injuries victims
suffer. It will also offer information about your rights and what actions you can take following an
accident to ensure that you recover the full amount of compensation the law has afforded you. I
compiled this information because I believe that everyone deserves to know their rights when dealing
with insurance companies and the reckless drivers they protect.
If you have any other questions, I am more than happy to answer them if you contact me. You can also
visit www.rosenfeldinjurylawyers.com to learn more about me and my award winning law firm. I hope
that this book provides you with valuable information during your search for the answers you deserve.

4. Causes and Types of Car Accidents
Chicago is one of the busiest cities in the nation and it comes as no surprise that its roads are home over
200,000 accidents every year. Understanding the most common causes of accidents doesn’t only allow us
to represent our clients more effectively, but also helps us educate the public on the issues that impact the
safety of our roadways the most. It is likely that every single driver can improve his or her habits and reduce
the likelihood of being involved in an accident.
Distraction Among Most Common Causes of Accidents
Advances in technology have allowed us to connect with more people and bridge great distances and to
get more done throughout our busy lives. Unfortunately, this has come at the cost of safety and many of us
have become so dependent on our devices that we allow them to interfere with other aspects of our lives.
Studies have shown that you are less likely to get into an accident under the influence of alcohol than you
are while sending a text message behind the wheel. Next time you think about taking a phone call or
reading a text message, remember that the person on the other end can wait and will do so willingly if it
means you arrive at your destination unharmed.
Here are the most common causes of accidents for you to consider.
Î Driving while tired or fatigued. While this is a major concern with truck drivers, it also applies to
motorists who choose to take to the roads over long distances without giving themselves adequate
breaks or rest. There are many similarities between drunkenness and tiredness in that your vision,
ability to make decisions and reaction time are all impacted in a similar manner.
Î Driving while distracted. Talking on the phone, sending a text message, doing your makeup, eating
and drinking while behind the wheel are all examples of distracted driving and studies are finding that
distraction is becoming the cause of more accidents each year.
Î Influence of drugs or alcohol. One of the most irresponsible decisions you can make is to get
behind the wheel after consuming alcohol or controlled substances. It places yourself and
everyone else on the road at great risk. Alcohol is a factor in the majority of fatal accidents and
debilitating injuries, as drunken driving accidents tend to be much more violent and serious.

5. Î Weather conditions. Rain, ice and snow contribute to many accidents in Chicago each year, but our
Chicago auto accident lawyers have also noticed the impact of the sun on driving accidents. The
morning or early evening sun can cause blinding glare and make it difficult for drivers to see traffic
lights or the taillights of the cars in front of them.
Î Speeding and reckless driving. Speeding is a major factor in many accidents and negligent drivers are
often in ahurry and found in violation of multiple traffic laws. This makes them liable for any
property damage or personal injury that results from their poor decisions.
Millions of drivers find themselves involved in auto accidents every year in the United States and these
collisions cost drivers billions of dollars in property damage, medical bills and lost financial opportunity.
Regardless of whether your accident resulted in serious injuries or was a common fender bender, you are
entitled to recover compensation for any losses you suffered.
The Most Common Types of Auto Accidents
There are many unique types of auto accidents— all of which occur under a special set of circumstances.
Most of these accidents can be grouped into six categories that have their own set of causes and
consequences. Our lawyers believe that every person who is in an accident has a right to recover
the compensation needed to cover the cost of their medical expenses and damaged property, and
understanding the type of accident they’ve been involved in is important in determining fault and the
potential value of the case. The most common types of car accidents include the following.
Î Single Vehicle Crashes
Î Accidents at Intersections
Î Rear-End Collisions
Î Low Speed Impacts
Î Commercial Vehicle Accidents
Î Side Swipe Accidents
Accidents do not always involve multiple drivers, but they may involve numerous passengers even if only

6. one car was involved. Examples of single vehicle accidents include when drivers lose control of their
vehicles and exit the road due to inclement weather or when drivers collide with a building or object while
trying to avoid an accident with another vehicle. If passengers are involved in the accident, they may suffer
injuries that the driver is liable for, and the owners of property that has been damaged in the incident are
entitled to compensation for their losses as well.
Accidents at Intersections
Misjudging distance and approach speed of oncoming traffic is one of the most common causes of auto
accidents. Other accidents occurring at intersections can be the result of drivers running red lights, failing to
yield to others or operating a vehicle while under the influence of drugs or alcohol. The injuries suffered in
these accidents can be extreme, due to the following factors.
Î Many accidents at intersections are T-bone collisions, which place the driver or passenger at
greater risk due to an impact from the side. Modern vehicles are designed to distribute the force
from a front or rear impact away from the driver or passenger, but a collision from the side can
cause severe trauma.
Î Accidents at intersections have the potential to become multi-accident events. The force from the
first collision can send one vehicle into another and create a chain event of collisions that place more
drivers and passengers at risk.
Î Speed is often a factor in these accidents. Drivers may misjudge the speed of oncoming traffic, or
the offending driver may be speeding up in order to make it through the intersection during a
yellow light. High speeds are linked to more severe injuries.
Rear-End Collisions
There are many causes for rear-end collisions, such as tailgating, not braking quickly enough or loss of
vehicle control due to inclement weather. Regardless of the cause, our lawyers recommend seeking a
comprehensive medical evaluation following any rear-end collision due to the possibility you’ve suffered an
injury to the brain, neck or spine. What makes rear-end collisions unique is that the force of impact often
throws the victims’ bodies forward and then back.

7. It is not uncommon for victims to strike their heads or to experience whiplash during these accidents. The
symptoms for these injuries may not present themselves immediately after the accident, however, and
many victims refuse medical treatment because they feel fine. Several weeks later, they may show
symptoms of a traumatic braininjury or whiplash, both of which can become debilitating and impact the
victim’s quality of life forever. Symptoms of an injury to the brain or neck can include the following.
Î Memory loss during the accident or at a later date during physical recovery.
Î The inability to focus or concentrate. This often feels like a haze or cloudy feeling.
Î Migraines occurring shortly after the accident and progressing in severity.
Î Severe stiffness in the back of the neck or back accompanied with the loss of motor function in the
arms.
Î Shooting pains in the arms, neck or shoulders.
Î Ringing in the ears, sudden changes in vision or dizziness.
Î Blackouts following the accident or at a later date.
Î Sudden changes in mood or mental state.
Low Speed Impacts
Accidents occurring in parking lots, side streets or as vehicles back out of their driveways may involve
speeds under ten miles per hour. These impacts can still be jarring enough to cause injury and damage
vehicles, however. It is tempting to just trade insurance information and go on your way, but you should
really make sure that you document the accident, take pictures and undergo a precautionary medical
evaluation just in case.

8. Commercial Vehicle Accidents
Some of the most devastating and catastrophic car accidents involve commercial vehicles. These large
vehicles can include charter buses, delivery vehicles and large semi-tractors. Negligent drivers can cause
incredible damage to property and serious injuries when their actions result in an accident. Their
employers’ actions may also be a factor in the accident, which makes the process of determining liability
more involved. The following must be considered if you’ve been involved in an accident with a
commercial vehicle.
Î If the commercial driver was in violation of traffic or work laws, he or she can be held liable for his or
her actions. It is the responsibility of employers to screen their employees, however, so ifthe driver
has a reckless driving history or repeated violations, the employer may share responsibility.
Î Many commercial vehicles are in poor condition. Bus and truck companies are notorious for cutting
corners and trying to force their drivers to shoulder the responsibility for maintenance concerns. If
mechanical failures or poorly maintained equipment is afactor, the party responsible for
maintaining the vehicle can share liability.
Î The manufacturer is often considered liable in the event that commercial vehicle equipment failure or
defects cause the driver to lose control of his or her vehicle. This provides an additional avenue of
recovering compensation if it is needed.

9. Side Swipe Accidents
Side swipes often occur when drivers merge into traffic or change lanes without checking their blind spots.
Speed plays a large role in these accidents— especially when drivers occupy merging lanes while others
are attempting to enter a highway. The damage can vary in degree depending on the speed and angle of
impact. These accidents can cause a chain of events if one vehicle is pushed into another and the vehicles
spin out of control at high speeds.
Understanding the type of accident you’ve been involved in can help when evaluating your symptoms and
determining what types of tests are required to ensure that you receive the right treatment. Each accident
has unique circumstances and mechanics which may influence the type and severity of injuries suffered.
Even if you haven’t suffered severe physical injury, you may have experienced the loss of a vehicle that you
depend on to maintain your independence.

10. Head-On Collisions
Head-on collisions are among the most dangerous forms of auto accidents and are responsible for
numerous fatalities every year. It is our primary goal to help each of our clients obtain the care that they
need to be able to move forward with their lives and to ensure that they will not need to be subjected to
the burden of expensive medical bills and out of pocket expenses by holding the people responsible for
their injuries liable.
Secret Service Crash is a High Profile Example of the Dangers of
Head-on Collisions
On December 29, 2015, a man died after he crossed into oncoming traffic and collided with a vehicle
carrying four secret service agents. He was transporting two passengers, who were both transported to
the hospital with all four of the agents in the other vehicles. The secret service agents were reported to
have suffered very serious, but non-life-threatening injuries.
Further investigation revealed that the at fault driver had an extensive criminal record and did not have a
valid driver’s license at the time of the accident. While the accident highlights some of the dangers that
secret service agents must encounter on a regular basis, it also underscores how serious head-on
collisions can be and how rapidly things can go wrong when a driver exits his or her lane of traffic and
moves toward an oncoming vehicle.

11. The Causes and Types of Head-on Accidents
Our lawyers have noticed that while there are variable factors that contribute to every accident, about nine in ten
accidents are the fault of at least one of the drivers involved. If so many accidents can be prevented, then it is the
responsibility of every driver to do whatever is necessary to keep the roads safe for others. Following are the main
causes and types of head-on collisions.
Î Adverse road conditions. Weather can make the roads more difficult to travel, reduce visibility and throw
debris into the path of unsuspecting drivers. Potholes, poor lighting, inadequate or non-existent lane
markings and poorly designed medians and guardrails can also contribute to accidents.
Î Accidents at intersections. There are a variety of factors that can contribute to accidents that take place in
the middle of intersections. A traffic light may be malfunctioning, a driver may misjudge the distance and
speed of an incoming vehicle prior to turning left, or a hurried driver may make a turn without making sure it
is safe to do so.
Î Driver distraction. Technology is quickly becoming one of the leading causes of serious accidents. Too many
motorists are attempting to multitask behind the wheel and despite advances in safety technology; more
drivers are being killed or seriously injured in accidents. The data is showing a link between the rise in texting
and talking behind the wheel and increases in collisions.
Î Multi-car accidents. In these accidents, one car may force another car into the opposing lane where it strikes
an oncoming vehicle. This is common at intersections when a left turner is rear ended or when a vehicle
entering the path of another is struck in the intersection and sent in the direction of oncoming traffic.

12. Î Sleep deprivation. Commercial truck drivers are often overworked and under-rested. While this groups
receives the greatest amount of attention for fatigued driving, others can slip behind the wheel on a
minimal amount of sleep as well. Nobody who is overly tired and has difficulty concentrating on the road
should operate a vehicle until he or she has rested.
Î The influence of drugs and alcohol. Many head-on collisions are the fault of drunk drivers or motorists who
are driving under the influence of adrug or controlled substance. There is simply no excuse for the reckless
behavior of operating a vehicle while under the influence of a mind altering substance and these drivers
should be held accountable to the fullest extent of the law.

13. Accidents at Intersections
Accidents at intersections always have the potential to cause very serious injuries to everyone involved, especially
when the at fault driver disobeys a traffic control device or move into the path of an oncoming vehicle. Studies have
shown that as many as nine out of ten auto accidents that have occurred could have been prevented and it is for
this reason that reckless and irresponsible drivers should be held liable for the harm caused by their actions.
Accidents at Intersections are common and Deadly
Collisions occurring at intersections are highly common, especially among elderly drivers who have diminished
depth perception and reaction times. The number of left turn accidents resulting in serious injuries has even
prompted some cities to implement the use of traffic circles in the planning of their roadways in order to limit the
number of left turns motorists will be forced to make. Left turns are not the only cause of collisions at intersections,
however. Other causes include the following.
Î Motorists running red lights or not obeying traffic control devices. When combined with excessive speeds,
these violations can result in very serious accidents that threaten the lives of innocent victims that
happened to be in the wrong place at the wrong time.
Î Multi-car accidents. Fender benders at intersections have the potential to become destructive and
devastating to the numerous motorists involved. If the car that was initially struck is pushed into the
intersection, it can collide with other vehicles and set off a chain reaction of accidents.
Î Distracted driving. When drivers choose to text or talk on the phone while driving, they are unaware of how
they are jeopardizing the safety of those around them. A simple glance away from the road can cause the
driver to miss a stop sign, run a light or head into oncoming traffic at an intersection.

14. Î The influence of drugs and alcohol. There is no excuse for drunk driving,
but many drivers are unaware of how the medications they take impact
their driving. Cough syrup and allergy medicines can cause drowsiness or
delay reaction time. Some cold medications even contain alcohol. It is
important that drivers take responsibility for what they put in their bodies
prior to getting behind the wheel of a vehicle.
Common Injuries
Our auto injury lawyers have helped many clients recover compensation for
the treatment of many different types of injuries. Accidents at intersections
have the potential to result in life threatening injuries or to leave victims
with physical or mental impairments they must live with for the rest of their
lives. Some of the common and serious injuries suffered in these accidents
include the following.
Î Traumatic brain injuries. Recent studies have uncovered a strong link
between serious neurological disorders and untreated trauma to the
head. Many of the injuries that the brain suffers go asymptomatic for a
long time before the first effects begin to manifest themselves. Loss of
cognitive function, speech, memory and motor skills are some of the long
term effects of these injuries.
Î Injuries to the spine or neck. Depending on the severity, a spinal injury
can be the cause of a lot of pain and limit the ability of the victim’s
mobility. In the most serious cases, the victim may suffer temporary or
permanent paralysis.

15. Î Lacerations, puncture wounds and disfigurement. Metal, glass and debris can cut deep into the skin
and cause deep tissue damage. These wounds can leave unsightly scars or become infected, forcing
doctors to amputate the affected limb in order to save the patient. In other cases, the wounds may
make it impossible for doctors to repair or restore the affected limb or digits.
Î Broken or shattered bones. The massive force and power that are displaced during an accident can
greatly damage the human body. It is not uncommon for accident victims to suffer one or more
fractures through the course of an accident. Fractures vary in severity and form and may require
extensive care to set back in place so that the bones will heal.

16. Rear End Collisions
Rear end collisions are extremely common on the streets and highways of Chicago, which are traveled by
millions of drivers every year. These types of accidents most often occur at low speeds, but can still cause
very serious and often debilitating injuries that require extensive therapy to recover from. It is also nearly
impossible for the victims in these accidents to do anything to avoid being hit or to mitigate the severity of
the damage. Fortunately, determining fault in these accidents is pretty cut and dry and it is possible for you
to recover the compensation you deserve.
Rear End Collisions Cause Serious and Nagging Injuries
You wouldn’t suspect that a rear end accident could cause such serious injuries, but victims are often
caught completely off guard when an automobile slams into their rear bumper. The impact of being
bucked forward and back again due to restrain systems can have a unique effect on the body and injuries
to the neck and back are quite common. Here are some of the injuries that often result from this type of
accident.
Î Whiplash, which results from damage to the cervical vertebrae when the neck snaps forward and
then back in the motion one would crack a whip.
Î Injuries to the back or spine. The same motion that results in whiplash may also injure the lower
back or the spine, resulting in the dislocation or rupturing of discs, commonly referred to as
herniated discs. The impact of these injuries can vary from intense pain when bending or moving to
partial paralysis of areas of the body that rely on the nerves in that area of the spine.

17. Î Traumatic brain injury. Studies have shown that sudden acceleration and deceleration can cause
the brain to move inside of the skull, often resulting in swelling when the brain collides with the
skull. Traumatic braininjuries are especially concerning because they may not present symptoms
for weeks or months following an injury. Our Chicago auto accident lawyers recommend that you
request special tests for a TBI following any accident, even if you feel fine.
Î Injuries to the knee or legs. When it is evident that a collision is imminent, most people tense their
legs and try to brace themselves before impact. This tension is counterproductive and causes
injuries rather than prevents them.
Î Injuries to the wrists and hands. Just as many people tense their legs prior to an accident, they
may place their hands in front of their body or head as an instinctive response to protect
themselves.
Î Injuries to the face or head due to airbag deployment or striking the back of a seat. While airbags do
save lives, they often deploy with enough force to cause moderate injuries to the face and head. Rear
seat passengers often strike the back of the front seat as well, resulting in injuries of varying severity.

18. Most Rear End Collisions are Preventable
Chicago traffic tends to frustrate drivers, who react irresponsibly by breaking traffic laws and taking ill-
advised risks for the sake of saving a few seconds. Others are often distracted by their phones or attempt to
multitask while behind the wheel, reducing their awareness of their surroundings and reaction time. Rowdy
passengers may also influence drivers and increase the risk of an accident. It is the responsibility of every
driver to place his or her focus on the road ahead and to follow all applicable traffic laws, however, and the
failure to do so makes them liable for any bodily harm and property damage that
they cause.

19. Speeding Accidents
Speeding is a major factor in the number of accidents and serious injuries that occur on Chicago’s streets
every year and drivers who are in a rush often fail to realize the ramifications their actions can have.
I have represented the needs of countless individuals whose injuries could have been less severe or
prevented entirely if not for the excessive speeds by with the at fault driver operated his or her vehicle.
The risks that you take when speeding are not worth the several minutes that you save getting to your
destination.

20. Motivation for Speeding
Speeding greatly increases the chance of severe injuries in a car crash, so why do so many drivers blatantly
disregard the posted speed limit? While it is impossible to speak on behalf of every driver in the Chicago
area, many of the drivers caught breaking speeding laws are doing so for similar reasons. Some of the
motivations for speeding include the following.
Î The driver is in a hurry. Whether late to work or
an appointment, many drivers feel that they
can make it to their destinations quicker if they
speed and weave in and out of traffic. If
you’ve ever noticed, traffic lights often stop
these speedsters in their tracks and they
only ever save a few seconds at a time
between each red light.
Î The driver is unaware of his or her speed.
Have you ever looked down at your
speedometer and instantly hit the brake
upon noticing how fast you were going?
Too many drivers have become distracted
by phones and other devices while driving
and it can cause us to speed without even
realizing it. Best to pay attention to your
driving and handle everything else when you are stopped.
Î Young drivers attempt to show off or seek thrills on the road. Teenagers take risks that adults
wouldn’t due to the need to impress others or to feel a rush. Unfortunately, this contributes to
many teen deaths each year.

21. Speeding Increases the Severity of Injuries
Our injury lawyers cannot recount all of the times in which a client’s injuries would have been minor if the
other driver had been traveling at the posted speed limit. Speed is linked to life altering and ending
injuries and the risk of these injuries increases as the needle on the speedometer rises. Some of the
injuries attributed to speeding include the following.
Î Paralysis due to extreme spinal injury. Not only is it emotionally traumatic to be told you will never
walk again, but the cost of caring for a quadriplegic can exceed $2 million over the rest of his or her
lifetime.
Î Deep lacerations, disfigurement and loss of limb. Metal fragments, debris, glass and other sharp
objects can cause severe injury at high speeds and result in unsightly scars, disfigurement or even the
loss of alimb either due to the injury itself or an infection brought on by foreign bodies entering the
body through the wound.
Î Traumatic brain injury. When you come to an abrupt stop, your brain still has momentum inside of
your skull and an internal collision with the skull can result in massive swelling. High speed
collisions can result in brain damage or less noticeable brain trauma that becomes worse over time
when undiagnosed, leaving the victims with serious neurological disorders.
Î Death. There is an undeniable link between high speed collisions and fatalities and many of these
deaths can be prevented if drivers were to act more responsibly behind the wheel.

22. Pedestrian Accidents
Less than ten minutes from reading this, another person will be injured in a pedestrian accident within
Chicago or its surrounding suburbs. Your life can change in the blink of an eye due to another person’s
irresponsible actions, but you can rest assured that we will go to work for you to ensure you receive every
last penny you deserve so that you can pay for your hospital stay, medical bills and other expenses as you
work to get your life back.
An Alarming Number of Pedestrian Injuries
There are 70,000 accidents every year that result in the injury of a pedestrian and an unfortunate 5,000
people are killed in these accidents. As a pedestrian, you have absolutely no means to protect yourself
when a driver fails to yield or speeds through the city streets in a hurry to get to work. It is for this reason
that pedestrian injuries tend to be so severe and often require ongoing therapy or care for years following
the incident. The types of injuries our Chicago pedestrian accident attorneys often encounter include the
following.
Î Fractures and complex bone and joint injuries. Most people are oblivious to just how powerful their
vehicles are and the potential they carry to cause bodily harm. When a pedestrian is struck, he or she
may experience multiple fractures, shattered bones or severe injuries to critical joints.
Î Internal bleeding and organ damage. Whether via laceration of blunt trauma, there are many ways
the internal organs can be damaged during these types of accidents. Broken ribs can puncture the
lungs, metal and glass fragments can cut into the abdomen or deep internal contusions can result in
unchecked internal bleeding.
Î Degloving injuries. If you’ve been dragged along the pavement or caught in between objects, it is
possible for your skin to be pulled away. The term comes from the way the victim’s hand is left
without any skin, as if the skin was pulled off like a glove and may require multiple corrective
surgeries to address.
Î Injuries to the head, neck and back. Severe internal trauma can result from being pinned between
objects or when your head strikes the ground. When the brain begins to swell inside of the skull,
it can result in permanent neurological disorders and injuries to the neck or spine may result in

23. paralysis from the point of injury downward.
150
134 138
124 123
2011 2012 2013 2014 2015
Data Source: http://www.nhtsa.gov/
Î Death may result from any combination of the aforementioned injuries and it is your right as a
family member of the deceased to seek compensation when your loved one has been killed by a
negligent driver.
Failure to Yield Cited in Many Accidents
A study of pedestrian car accidents revealed that 48% of incidents were the result of the driver’s failure to
yield to the pedestrian. Even more concerning is the fact that 33% of the drivers fled the scene for fear of
the repercussions of hitting a pedestrian. The city of Chicago has responded to this data by strengthening
its crosswalk laws, requiring all drivers to stop at all crosswalks, whether located at an intersection or not.
Left turning vehicles are also involved in many accidents involving people crossing the streets and
turning accidents accounted for half of all pedestrian injuries.

24. Uninsured Motorists
It can feel horrible to not only be in an accident, but also to learn that the driver who has caused your
injuries does not have insurance or has fled the scene. It is normal to feel lost, frustrated and angry if an
uninsured driver caused you harm, but you can also take some measure of comfort in knowing that you
can still receive the damages you are entitled to.
How an Understanding of Your Insurance Policy Will Help Your Claim
About 15% of the accidents that occur in Chicago involve uninsured motorists and nearly one in six drivers
do not have coverage. These statistics are very worrisome considering that all drivers are required to have
liability insurance so they may cover the cost of
others’ medical bills if they are found at fault for an
accident. Many people who are involved in
accidents where the other driver lacks insurance,
has coverage that is insufficient to cover the cost of
their medical treatment or flees the scene of the
accident may quickly give up in their pursuit of
damages. Here is a bit of information that may give
you hope, however.
Î Whenever you purchase an auto insurance
policy, uninsured motorist coverage is
automatically included. You may not
have read the fine print when you bought your
policy, but the law requires all insurance
companies to include uninsured/
underinsured coverage equal to the personal
liability coverage amount.

25. Î The Illinois state minimum uninsured motorist coverage is $20,000 per person and $40,000 per
accident, but if you elected for personal liability coverage in excess of these amounts, your
uninsured motorist coverage should be the same.
Î Your uninsured coverage is automatically included in your policy unless you have submitted a
request in writing for a different coverage amount, which is an important fact to remember
whenever dealing with an insurance company.
Î Seeking compensation from your insurance company is more effective than filing a lawsuit against
the driver. Our lawyers recognize that drivers who don’t have insurance don’t often have many assets.
Therefore, even if we win your case on your behalf, it may still be impossible to actually recover
compensation. The most effective option is to negotiate with your insurance company.
25.90%
Top10 States ofUninsured Motorists - 2012
23.80%
22.90%
21.60%
21%
20.10%
19.60%
17%
16.20%
16.10%
Data: iii.org
Insurance adjusters can be deceitful and manipulative when handling your claim and it is important to
remember that they are acting in their company’s best interest— not yours. Be very wary of quick offers to
settle your claim and never bow to threats issued when you mention that you will be retaining legal
Oklahoma
Florida
Mississippi
NewMexico
Michigan
Tennessee
Alabama
RhodeIsland
Colorado
Washington

26. representation. Insurance companies may try to make it appear as though your claim will be more
difficult when an attorney is representing you, but they are actually much more cooperative the
moment you’ve hired a lawyer to negotiate on your behalf. Lawyers are aware of the laws that insurance
companies must abide by and will not approve of any settlement offer that forces you to give up your legal
rights or is not in your best interest.
Whenever you speak with an insurance company, assume that every word you say can and will be used
against you. Each phone call is recorded and adjusters will try to ask gotcha questions or confuse you in
order to use your responses against you. If you feel uncomfortable at any moment or would prefer not to
communicate with the insurance company at all, you are free to tell the person to contact your lawyer
instead.

27. Motorcycle Accidents
There is really not much that we are able to do to reduce the severity of motorcycle injuries other than to
take every measure possible to prevent the accidents in the first place. Motorcyclists lack the protection
that all other motorists are afforded by advanced technology and structural components designed to
absorb kinetic energy, and their injuries are often much more serious.
Illinois Motorcycle Accident Rate on the Rise
The weather in our state has been more pleasant and dry in recent years, and this has encouraged
motorcyclists to take to the roads in greater numbers. Thankfully, the number of motorcyclists killed by
motorists in accidents is small when compared to the total number of those who have been injured, but
more than one out of three motorcycle injuries is classified as Type A. Type A injuries are those which
greatly alter the ability of the injured to live normal lives and include paralysis, amputation and severe
brain damage. We need to take greater efforts to be aware of motorcycles on the road and give them the
respect that they deserve in order to prevent such debilitating injuries.
Location Has Little Impact on Injury Risk
It is a common assumption that riding a motorcycle through highly trafficked urban areas is more
dangerous than traveling rural roads, but crash data suggests the risk is about the same. 76 motorcyclists
were killed in city accidents in 2013 while the same number died in rural accidents. Riders are slightly more
likely to report injuries in the city, but the additional risk isn’t that significant. 528 motorcyclists suffered
Type A injuries on city roads compared to 439 on rural streets.

28. Helmet Use Improves Prognosis for Survivors
Data has shown that just as many motorcycles died in accidents while wearing helmets as those who
chose not to, but the use of a helmet prevented two thirds of victims from suffering severe brain
injuries. This makes a strong case for the use of helmets, even as most states still do not require their
use. Regardless of whether you use a helmet or not, however, it is important to be aware of the fact that
motorcyclists are 26 times more likely to suffer fatal injuries in accidents than any other motorist.
Types of Injuries
The speed and force of impact are great influences on motorcyclists who have been struck by another
vehicle or who have lost control of their bikes. The initial impact can result in injuries when a limb is
caught between two objects and then additional injuries may occur when the motorcyclist hits the
ground. He or she may also be dragged along the pavement and suffer additional injuries from contact
with the pavement. Common motorcycle injuries include the following.
Î Multiple fractures and crushed bones. Compound fractures are common in motorcycle accidents
due to the force exerted on the victim and exposure to his or her surroundings.
Helmeted
28%
2015 Data
Lives Saved at Current
Helmet Use
Additional Lives Savable at
100% Helmet Usage
Data Source: http://www.nhtsa.gov/
24
40

29. Î Deep lacerations and mutilation. Glass, metal parts, road debris and other objects can slice,
puncture or scrape the victim. While every effort is normally made to save affected limbs, the
injuries may be too severe to forgo amputation and infections become a concern as well,
facilitating the need to remove the limb in order to save the patient.
Î Broken neck, back and spine. Serious accidents can result in complete paralysis from the point of
injury down. The cost of caring for a loved one who is paralyzed is extensive and can exceed $2
million depending on the location of the injury and the age of the victim at the time of injury.
Î Traumatic brain injuries. Injuries to the brain can impact the ability of the victim to lead a normal and
independent life. They can result in loss of memory, impaired speech, inability to concentrate, loss of
motor function and numerous neurological conditions that have a longstanding impact on quality of
life.
Î Death. Motorcycle deaths represent over 13% of the total fatalities in motor vehicle accidents
across the nation. Compared to 1997, the number of people killed in motorcycle crashes has
doubled in 2013.
Riders
94% Motorcyclist
Fatalities 2014
6%
4,586
Passengers
Data Source: http://www.nhtsa.gov/

30. Accidents Caused by Glare
If you live in or around Chicago, you are already accustomed to putting up with almost every form of
weather that exists while traveling. Sun glare is one of the most frustrating hazards for Chicagoans because
regardless of the season, the sun will always rise and set on the city. Summertime is when we encounter the
most sun, however, so we need to take special care to guard ourselves from sun glare and recognize how it
may impact others on the road— often causing automotive accidents. At the end of the day, it is the
responsibility of drivers to travel safely and at fault drivers are liable for the accidents they cause regardless
of the cause.
Common Accident Scenarios Resulting from Sun Glare
Sight is probably the most important sense available to us when we drive and when our sight is
impaired, we are immediately placed in a precarious situation. The majority of sun glare accidents
happen at intersections; primarily resulting from blinded drivers failing to see traffic control devices or
others on the road. These are some of the most common scenarios that create this type of accident.
A driver is unable to see a stop sign or traffic light and collides with another vehicle in the intersection.
These accidents can be serious or fatal when travelling at higher speeds.
The affected driver is unable to see his or her lane position or the road itself. He or she may drift from the
lane in a manner similar to how drunk drivers swerve. The result could be as minor as a side swipe
accident or as major as a head on collision when the driver heads into oncoming traffic.
Î Sun glare makes it difficult to locate other carson the road. This often causes blind spot accidents
because when the driver checks his or her blind spot, the glare makes it difficult to locate the other
vehicle.

31. Î The sun impairs the driver’s ability to see the tail lights of the car immediately ahead of his or her
vehicle. This becomes problematic when the lead vehicle slows or comes to a stop and may result in
a fender bender or rear end collision.
Î The driver makes a left turn into oncoming traffic because he or she does not see the oncoming
vehicle(s). The severity of these accidents may vary depending on how fast the other vehicle is
traveling and may also lead to multi-car accidents.
Î Pedestrians crossing an intersection are struck because the driver fails to see them. Sun glare may
cause drivers to be involved in accidents with bicyclists as well for the same reason.
Rush Hour is When Sun Glare is Worst
Rush hour may frustrate you enough already without the added glare contributed by the sun, but it is
noteworthy to recognize that the conditions that present the worst glare occur during the morning and
evening rushes each day. It is when the sun is low and toward the horizon that its angle toward the earth
makes it a menace to drivers that are traveling east or westbound. Recognizing this may make it easier for
you to protect yourself and prevent being involved in accidents of your own. Consider these tips for taking
on glare.
Î Try not to drive with a dirty windshield as this amplifies the effects of sun glare and the dirt itself can
obstruct your vision. Clean your windows often and always check your windshield fluid level so that
you don’t run out in a pinch.
Î Wear sunglasses that are designed specifically to protect your eyes from the sun. Not only will this
help you fight the glare, but it is a known fact that UV rays can be harmful to your eyes and that
sunglasses will mitigate the toll the sun takes on your sight.

32. Î Never look directly into the source of the glare such as directly at the sun or a reflective object. This
will not only irritate your eyes but it can create temporary spots in your vision that make it difficult for
you to see.
Î While sun glare is a common concern during the summer, keep in mind that snow accumulation
during the winter can result in winter glare. Snow can be extremely reflective and bright.
Î Treat sun glare as any other common source of obstruction to your vision such as fog, heavy rain or
drifting snow. If you are having trouble seeing ahead, slow down so have time to react should a
pedestrian or vehicle move into your path.
Do not be afraid to exercise your rights. Regardless of weather or road conditions, drivers are accountable
for the accidents that they cause. If you are involved in an accident because the other driver did not see
you, you are entitled to compensation to pay for your medical bills and property damage.

33. Trucking Accidents
Lawmakers have made numerous efforts to make the roads safer for the millions of motorists that travel
the thousands of miles of roadways in Illinois, but trucking companies and their employees have made just
as many attempts to subvert the rules. Those who pay the most are the victims of truck crashes, many of
which could be prevented if the driver or employer had simply followed the rules.
Fatalities on the Rise in Illinois
In only ayear, between 2012 and 2013, the number of fatal truck related accidents increased by 16%. This
is an alarming statistic which demands a decisive response to the manner in which we handle truck
safety and pursue companies and drivers whose actions are the cause of the thousands of truck collisions
occurring on our streets every year. The victims of trucking accidents are not only more likely to die from
their injuries than when in accidents with other motor vehicles, but those who survive are often left
mangled, maimed and forever changed by their experiences.
The Root Cause of Trucking Negligence is Greed
Regulations and laws are in place to protect the general public, even if adherence to these rules results in
additional expenses. Drivers may not be able to earn as much money if they only work the amount of
hours the law allows and trucking companies may have to spend money maintaining and repairing
vehicles that fail to pass inspections, but making sure that drivers are awake, alert and in control of
equipment that is functioning properly could prevent the deaths of hundreds of motorists every year who
only happened to be in the wrong place at the wrong time. The following actions and policy decisions are
common influential factors in truck collisions.
Î Drivers working beyond their allowable hours of service. It is ultimately the responsibility of every
driver to follow the law and log his or her hours accurately. However, companies often pressure their
drivers by pushing tight deadlines and only paying by the mile rather than the hour. Drivers who
need to make up for lost time are often tempted to falsify logs to appease their employer or make
the money they need to make ends meet.
Î Failure to perform routine maintenance. It is a great disservice to employees for truck companies to
refuse to properly maintain their vehicles, because when the driver is involved in an accident, he or

34. she is the one to take the brunt of the criticism and blame. The long distances traveled by truck
drivers can wear on their vehicles’ tires, braking systems, hydraulics and engines. When these systems
fail during use, it can have catastrophic consequences.
Î Decision to forgo regular inspections of equipment. Drivers have the duty to make sure that they are
aware of any problems with their equipment and need to walk around their semi-tractor and trailer
prior to hitting the road. This will alert them to any serviceable issues and ensure that their vehicles
are in safe working order prior to leaving a warehouse or depot.
Î Manufactural defect. Sometimes, the manufacturers of trucks and trucking equipment release
products that do not perform as intended. When the failure of these devices compromises the ability
of the driver to maintain control of his or her truck, the manufacturer needs to share liability for any
accident that results.
Trucking companies could prevent thousands of accidents nationwide by changing their safety practices,
but to do so would require taking trucks off of the road for inspection and routine maintenance. This
would cost employers money in lost production and in repair costs. At some point, a line needs to be
drawn in the sand when profits and margins are given higher priority than human lives.

35. Trucking Companies Pay Law Teams Millions Each Year
If you are involved in an accident with a large truck, you can be certain that the company which owns that
truck is going to get to work immediately to protect its interests. Trucking companies employ expensive
lawyers who have specified experience identifying and taking advantage of loopholes in truck accident
cases and they will have already started collecting evidence by the time you have received initial medical
care for your injuries. The attorneys of Rosenfeld Injury Lawyers are privy to the methods used by defense
attorneys in truck crash cases and our own team includes specialists who can combat these efforts.
Our accident reconstruction specialists can gather evidence and records from the scene of the accident and
recreate the accident to establish the exact cause. Our medical team is able to testify to your need for
medical treatments and procedures that the defense may otherwise question and our economists can
establish the financial impact of your injuries due to an altered lifestyle and the need for ongoing care or
therapy. Finally, our experienced and successful attorneys have successfully represented thousands of
victims in the past and their deep understanding of the law can be put to use when fighting on your behalf.

36. Bicycle Accidents
As more people seek an active and healthy lifestyle, many are taking to the streets on bicycles in order to
burn some calories and also to reduce their carbon footprints by cycling to work. However, with more
cyclists on the road there is sure to be an increase in bicycle accidents and bicycles don’t afford their riders
with much protection against cars, trucks and other vehicles on the road. More laws have been passed to
protect the rights of bicyclists, but they are still more likely to be involved in an accident with a vehicle than
the driver of a car or truck is.
Accidents Caused by Driver Negligence
Many motorists involved in accidents with cyclists fail to pay attention to where they are on the road or
don’t even look for them before opening a car door or entering an intersection. Motorists are determined to
be at least partially liable in more than half of reported bicycle accidents in Chicago and the injured bicycle
rider may sustain injuries that require surgery, physical therapy or long term care to recover from. Because it
can be hard to argue fault in many bicycle accidents, it is important that the injured bicyclist gather as
much data about the accident as possible and retain solid legal counsel.
Serious Injuries
Bicycle accidents carry the potential for serious injury and when a bicyclist is involved in a collision with a
vehicle, he or she often suffers broken bones, injuries to the head or neck or severe lacerations. Some of
these injuries can prove to be fatal, putting the driver of the other vehicle in a position to be sued for
wrongful death. Many injured bicycle riders may be paralyzed or require long term rehabilitation in order to
walk again. These injuries can be life changing and extremely painful, as well as requiring expensive long
term treatment for a full recovery.

37. The Role of Insurance
In the event of a hit and run accident or if the responsible party does not have insurance, it may be
possible to file a claim against the victim’s automobile coverage. It is important to have legal counsel when
working with an insurance company, however, due to the fact that insurance companies will undoubtedly
look out for their own interests first in a settlement. Our lawyers at Chicago Personal Injury Attorneys can
make sure that any settlement you accept is fair and covers the cost of your injuries both now and in the
future.

38. Hit and Run Accidents
Although leaving the scene of an injury auto accident is against the law, it happens every day. According to
data from the AAA Foundation For Traffic Safety, 11% of all car accidents involve hit-and-run drivers. In
Illinois, the law is very clear on that no driver involved in an accident should ever leave when an injury has
occurred.
(625 ILCS 5/11-401) (from Ch. 95 1/2, par. 11-401) Sec. 11-401. Motor vehicle accidents involving
death or personal injuries.
(a) The driver of any vehicle involved in a motor vehicle accident resulting in personal injury to or death
of any person shall immediately stop such vehicle at the scene of such accident, or as close thereto
as possible and shall then forthwith return to, and in every event shall remain at the scene of the
accident until the requirements of Section 11-403 have been fulfilled. Every such stop shall be made
without obstructing traffic more than is necessary.
Pedestrians and Bicyclists Involved In Hit-and-Run Crashes
Pedestrians and bicyclists are particularly vulnerable in hit-and-run accidents. In 2010, almost 800
pedestrians were killed by a vehicle and left by the person driving the vehicle. It is aheinous crime, to
injure and possible take the life of another and flee without even stopping to help them.
However, even if the driver is never found, pedestrians and even bicyclist can still often pursue a case for
financial compensation through their own auto insurance if they have uninsured motorist coverage.
Similarly, if the driver responsible for the accident does not have sufficient insurance coverage to
compensate an injured person, a claim may be presented against the injured parties insurance company in
the form of an under-insured motorist claim.

39. Uninsured Motorist Coverage
If the driver responsible in a hit and run accident is never found by the authorities, not all is always lost for
the victims. Uninsured motorist coverage under their own auto policy can cover damages to their vehicle
and their own personal injuries. Many people do not realize that this insurance also may cover them even
if they were not in their vehicle and were hit by another driver. This UM coverage can pay for: medical bills,
lost wages, physical therapy, property damage and even painand suffering.
Victims of hit and run accidents need the help of an experienced hit and run lawyer that can help them
get them the best settlement from their insurance company. As in most cases of insurance claims, the
insurance company will only pay the bare minimum and will often offer a quick settlement to resolve the
issue. Having an experienced attorney on your side can make a large difference in the amount of financial
compensation you receive.

40. Highway Accidents
Chicago is home to some of the most trafficked and congested highways in the nation and the volume
and speed of vehicles traveling these roads can create the potential for catastrophic injuries. Whenever
motorists are harmed in preventable highway accidents, Rosenfeld Injury Lawyers is able to help
the victims recover the compensation they need for the cost of their extensive medical treatment,
rehabilitative therapy, lost wages and other out of pocket expenses. These costs can be considerable when
victims are involved in high speed collisions, which is why we explore all legal avenues available to ensure
that our clients receive the maximum amount of compensation allowed under law.
Speed is a Factor in Accidents Involving Serious Injury
Excessive speeds are often the cause of accidents and can lead to more severe injuries and many fatalities
have been attributed to high speed collisions. Highway drivers are often in a hurry and drive faster than
limits would allow them to. To exacerbate their risk of being involved in an accident, they may also follow
too closely to the vehicle in front of them, greatly reducing the amount of reaction time they have in the
event they need to avoid a collision. Those who follow the speed limit often become the victims of
tailgating and aggressive drivers who take reckless measures to get ahead in the flow of traffic.
Other Causes of Highway Accidents
While speed is a large contributing factor to the severity of injuries suffered during highway accidents, it
is not the sole cause of these types of accidents. Our Chicago auto injury lawyers have represented
clients whose injuries were sustained in a wide variety of accident types. Some of the common causes of
highway injuries can include the following.

41. Î Driver fatigue. Chicago is the center of one of the largest transportation hubs on the continent and
many of the drivers traveling its roads are commercial truck drivers who are overworked and
operating on a minimal amount of rest. These drivers are in control of vehicles capable of massive
amounts of devastation and their decision to continue driving while tired can change an innocent
person’s life in a moment.
Î Driver distraction. Whether it is due to texting or talking on the phone or choosing to put makeup on
during the middle of rush hour, drivers that attempt to multitask while operating a vehicle are
placing everyone around them at risk. The majority of car accidents are the result of some form of
driver distraction on part of at least one of the drivers involved.

42. Î The influence of alcohol and drugs. Drunk driving is the cause of almost one third of auto related
fatalities. Recreational drug use also contributes to many accidents, but many drivers are under the
influence of medications that contain ingredients that impair their ability to drive as well. Cold and
allergy medicines may contain alcohol, amphetamines or other ingredients that cancause
drowsiness, delay reaction times and cause other impairments.
Î Hazardous road conditions. The roads in Chicago seem like they are constantly being repaired. The
presence of potholes or debris can cause tire blowouts or make drivers lose control of their vehicles
at high speeds. Inclement weather can also contribute to accidents by limiting visibility or increasing
the distance required for vehicles to come to a stop.
Î Mechanical failures or defects. When commercial trucks are not maintained properly, it can result
in failures that cause their drivers to lose control of their vehicles. Cars and SUVs can suffer
mechanical failures as well and when a driver’s brakes or steering doesn’t work properly, it can be
the cause of an accident.
Î Reckless driving. Drivers who drive aggressively in heavy traffic or that are prone to road rage are a
danger to everyone around them. Their actions are careless and greatly increase their risk of being
involved in an accident.

43. Drunk Driving
The legal team at Rosenfeld Injury Lawyers feels strongly about the need to hold drunk drivers accountable
for the damage caused by their reckless and irresponsible actions. Despite awareness campaigns over the
last two decades, drunk driving remains a serious concern and continues to threaten the lives of many
drivers throughout Illinois. According to the NHSTA, two out of every three people will become involved in a
drunk driving accident at some point during their lifetimes, which means that being responsible yourself is
simply not enough to avoid being in an accident with someone who has chosen to get behind the wheel
while under the influence.
Driving Requires Synergy of the Senses
Most people have become so acclimated to driving that they do not realize just how complex the
processes required to operate a vehicle are and how multiple senses are interacting to provide the
feedback required to make responsible decisions. You must first be able to see the road and be
aware of traffic and any potential hazards, but you also need to feel how your vehicle is reacting
through the input you receive through steering and feeling the contours of the road. You also need
to be able to hear what is going on around you so that you are aware of sirens, horns and other
noises that might indicate a vehicle or hazard is nearby.

44. Excessive drinking impacts all of the senses required to drive. Slowed reaction time is the most cited side
effect of drinking, but an elevated blood alcohol level also affects sight, feeling and decision making and
processing. Drunk drivers often experience blurred vision and diminished sensations, which make it much
more difficult to detect hazards and predict how avehicle is going to react to the conditions of
the road.
Illinois Leads The US on Fatalities
related to Alcohol Impaired Driving (where BAC = .08+)
Alcohol-Impaired Driving Fatalities - IL vs US (%)*
34%
Illinois
United States
33%
33%
31%
31%
31%
30%
30%
30%
29%
2011 2012 2013 2014 2015
* Based on the BAC of All Involved Drivers and Motorcycle Riders Only
Data Source: NHTSA
Holding Intoxicated Drivers
Accountable & Liable

45. The Toll of Drunk Driving
The effects of alcohol begin to manifest after only one drink and become more severe as adriver
consumes more alcohol. Many drivers feel that they are okay to drive, only to come to the startling
realization later that they have seriously injured another person in a preventable accident. One out of
every three fatal car accidents involves a drunk driver or pedestrian. Over 1.2 million drivers were
arrested in 2011 for driving while under the influence of drugs or alcohol, and when considering how
many fatalities result from intoxicated driving, this figure is truly shocking and unacceptable.
According to a survey taken in 2012, over 29 million people across the United States admitted to driving
while intoxicated. Even more drive intoxicated without knowing it when they get behind the wheel after
taking cold medicines that contain alcohol or amphetamines. All things considered, it should no longer be
a surprise that underage drinking is linked to a quarter of all fatal accidents involving teenagers. Our
Chicago auto injury lawyers don’t feel that enough is being done to curb drunk driving and the only way
to truly make an impact is to hold intoxicated drivers accountable by holding them liable for the maximum
amount of compensation allowed by law.
The Compensation You May be Entitled To
If you have been injured or lost a loved one in a drunk driving accident, you have the right to file a lawsuit
against the drunk driver to recover damages equal to the value of your hospital bills, damaged property,
lost wages and out of pocket expenses. If you have lost a loved one, you may file alawsuit for wrongful
death in order to recover compensation for any financial contributions your loved one made to your
family, the loss of consortium and any pain and suffering your loved one felt before his or her passing.

46. Common Car Accident Injuries
One of the leading causes of debilitating injuries in the city of Chicago is car accidents, and the injuries that
can result often vary in severity from minor scratches to fatalities. I and my colleagues have encountered
many different forms of injuries when representing clients harmed in auto accidents, but the high cost of
medical care is that all of the cases seem to have in common. An estimation of the economic value of
injuries caused by car crashes is over $277 billion across the nation every year, so it is easy to understand
why an accident can have such a negative impact on your finances.
The Most Common Car Accident Injuries
Every accident is as unique as the individuals involved and factors such as the speed upon impact,
weather conditions and the location of the incident can all have an influence on the injuries suffered by
everyone involved. Most of the injuries seem to fall into several categories, however, and are similar to
those we have listed below.
Î Trauma to the head and brain. These injuries are silent and deadly because the majority of those
who suffer a traumatic brain injury feel fine immediately following the accident. You may feel like
refusing medical care if you feel fine, but our Chicago auto accident lawyers advise against that.
Seeking medical care won’t only identify an issue you didn’t know existed, but will protect your
interests in a personal injury claim. TBIs can range from mild concussions to severe swelling or
micro tears in the brain that may cause serious neurological disorders.
Î Injuries to the back and spine. These injuries are quite common due to the bucking motion that
occurs when your body is thrown forward and then snapped back by your restraints or the airbag.
Common injuries include ruptured or herniated discs, nerve damage that may result in reduction of
sensation or inability to move an affected limb. The most serious injuries can result in partial or
complete paralysis from the location of the injury down.

47. Illinois Accidents & Injuries
by the Numbers 2015
Total Vehicles 1,369
Total Crashes 914
23
Unkn o wn
Fatal Inj ury
998
No Appar e n t Inj ury
472
Possi bl e Inj ury
106
Susp ec ted M i n or Inj ury
278
Total Persons
Injuries by
Severity 2015
Prepared by:
287
Susp ec ted Serio u s Inj ury
Data: NHTSA

48. Î The blunt force exerted on the chest or sternum during an accident may result in serious internal
injuries such as a collapsed or punctured lung, internal bleeding or damage to the heart. Internal
bleeding can be difficult to detect without diagnostic testing, which is yet another reason always to
seek medical attention following an accident to rule out all potential concerns.
Î Broken bones and injuries to joints and ligaments. Our instincts cause our bodies to move into the
worst possible positions prior to an accident when we realize acollision is unavoidable. We tense our
legs, place our hands in front of our face and try to brace ourselves upon impact and this can result in
torn muscles, joint damage and complex fractures.
Î Disfigurement and lost limbs. Most often due to lacerations from broken glass or metal debris,
these injuries can result in severe infections as well, which threaten the patient with septic shock.
Waking up to realize you’ve lost a limb is shocking enough without having to worry about
additional medical concerns.
An auto accident can also result in emotional trauma and make it difficult for the victim to ride in or drive a
vehicle again. The financial impact may cause undue stress on the family as well, especially when medical
bills mount while the victim is forced to stay home from work.

49. Why You Need the Services of an
Experienced Advocate
If you have been in an accident, your priority is to recover from your injuries and to adjust to any
debilitating impact the incident has had on your life. It is an unfortunate reality, however, that often there
are obstacles standing between you and the compensation that you have the right to receive. This is one of
the reasons that you need to be able to retain the services and advice of an attorney who has extensive
experience and knowledge of auto injury law.
The most influential entity standing in the way of your claim will likely be an insurance company,
because regardless of who is deemed at fault for an accident, it is often up to one or more insurance
companies to pay out benefits to the person who is entitled to them. These insurance companies hire
expensive legal teams because it is much more cost effective for them to pay lawyers to squash claims
than it is to immediately pay out what is owed.
While you are in the process of undergoing apainful recovery, it is understandable how you could be
frustrated or lose your patience when being forced to jump through multiple hoops only to obtain what is
yours by law. The attorney that you choose to work on your behalf can make a huge difference in the
amount of your recovery, so it is important that you choose wisely.
Experience and a history of success are the two most important factors to consider when evaluating
potential representation. The guarantee of success is the third measure to consider, as it protects you
from incurring even more debt should your case fail in court.
I always offer my potential clients access to examples of settlements and judgments I’ve earned on
behalf of people in similar situations and any reputable attorney should be able to do so. All of my
lawyers work on contingency as well, so you are able to retain top quality legal services without any
financial risk. We only accept payment after recovering compensation so that our clients are not
burdened with any additional worries and can focus on what matters most— becoming whole again.

50. In the next section, I will be providing some examples of past settlements and judgments I’ve earned and
invite you to ask me for even more examples when we meet in person. I believe that the most important
decision you are going to make is the selection of your attorney, so I don’t want you to make the decision
lightly. If you have any additional questions, you may visit www.rosenfeldinjurylawyers.com or contact me
to arrange a free consultation in order to receive the answers you seek.
I hope this book has been useful in your search for information and look forward for the further
opportunity to serve you.

51. Our Results
Following are examples of past settlements and judgments we have earned on behalf of people just like
you. It is important to understand that every case is different and I am unable to estimate the value of your
case until I have had the opportunity to give it a fair evaluation.
$1,000,000 — Car accident. Paid to the family of a deceased 23-year-old woman who was a backseat
passenger involved in a high-speed rear-end impact with a pickup truck. The woman died at the scene.
$570,000 — A motorcyclist was thrown off his bike when a car attempted to pass in a no pass zone. Our
client, a 41-year-old computer technician, sustained an injury to his peroneal nerve and was eventually
diagnosed with drop foot. The case was vigorously disputed by the other driver’s insurance company. They
retained a doctor who opined that the injury was pre-existing.
$175,000 — 25-year-old husband and wife were rear-ended while waiting for a left-turn signal at an
intersection by a teenage driver who was talking on the phone. The couple received soft tissue injuries and
significant scrapes to their arms and legs. After emergency room care, the couple saw an orthopedist and
received approximately three months of physical therapy.
$667,000 — Pedestrian accident with car. A 34-year-old man was crossing the middle of a busy street (not
in the crosswalk) when a construction company employee driving a private car struck the man. We
successfully argued that the company was responsible for our client’s injuries as the driver was in the
course of his employment.
$599,900 — Auto accident. A 55-year-old teacher was on her way to work when she was hit head-on by a
distracted driver texting on his phone. Our client had fractures to her sternum and ankle.
$200,000 — Our client was struck while preceding through an intersection when a person driving a pickup
truck blew a stop sign. The impact resulted in a crush injury to the motorcyclist’s leg and knee. An MRI
revealed a torn meniscus, which was repaired surgically. This settlement represents the maximum insurance
coverage available for this claim.
$3,000,000 — Motor vehicle / trucking accident. A disabled man was crossing a street with his blind cane
when a garbage truck making a right turn collided with him in the intersection. The man suffered bilateral
femur fractures and de-gloving injuries, which required extensive surgeries and rehabilitation.

52. $250,000 — Uninsured motorist claim for a businessman involved in a hit-and-run bicycle accident.
Incidentally, the man was a manager at a bicycle shop. The recovery was made through his own
insurance policy.
$616,772 — Four friends were on their way home from dinner when a truck ignored a traffic light and t-
boned them. The impact was so significant that rescue workers needed to remove them from their
vehicle with the Jaws of Life. Two of the passengers were released from the hospital the following day.
The other two spent approximately one week in the hospital before receiving outpatient care.
$449,000 — Our client, the front-seat passenger in a friend’s car, was thrown into the windshield when
the driver swerved to avoid an oncoming vehicle. Our client had numerous facialand head injuries from
the impact with the glass. A subdural hematoma was identified at the emergency room and
bleeding was surgically drained. This settlement was entered into by the defendant’s insurance company
despite the fact that the expert neuropsychologist that they hired testified that our client’s cognitive
impairments were not objectively measureable.
$350,000 — After leaving work after an afternoon shift at a hospital lab, our client was crossing a street to
take the bus home from work. While crossing the street and in the intersection, a taxicab making a left-hand
turn struck the woman. The impact resulted in a fractured tibia and fibula that required surgical repair. The
case was settled prior to litigation.
$250,000 — Uninsured motorist policy limits paid to a mother who was rear-ended by another vehicle on
a suburban street. Our client sustained a shatter patella that required surgery. An extensive search
revealed the other driver’s insurance lapsed prior to the crash.
$250,000 — Bicycle accident. The driver failed to yield to cyclists on a busy city street during rush hour.
The cyclist had damage to the knee and required arthroscopic surgery. Policy limits of at fault driver were
tendered within 60 days of our involvement.