Do I Need a Lawyer for a Car Accident Claim? | IL Lawyer

 Posted on February 06, 2026 in Car Accident

There are many ways you can benefit from hiring a lawyer after a car accident, especially if injuries, disputed fault, or insurance issues are involved. Early estimates released in 2025 found that 17,140 people lost their lives in motor vehicle crashes during the first half of the year. These accidents happen every day and make up the majority of personal injury claims.

If you were hurt in a crash and are looking to recover compensation in 2026, a Rolling Meadows, IL car accident lawyer can help you understand your rights and pursue a fair settlement.

When Do You Need a Lawyer After a Car Accident in Illinois?

You may not need a lawyer for every minor crash. However, legal guidance becomes important when the situation involves financial risk or legal uncertainty.

You should strongly consider speaking with a lawyer if:

• You suffered injuries that required medical care.
• Fault for the crash is unclear.
• The insurance company is denying or delaying your claim.
• Multiple vehicles were involved.
• A long recovery could affect your ability to work.

Insurance companies often move quickly after a crash. Their goal is usually to limit payouts. Having legal support can help level the playing field.

What Does Illinois Law Say About Car Accident Claims?

Illinois follows a fault-based system. This means the driver responsible for the crash must pay for the damages. For example, under 625 ILCS 5/11-601, drivers are required to operate vehicles at safe speeds to avoid collisions. When speeding causes an accident, the driver at fault is responsible for the resulting damages.

Illinois also uses a rule called modified comparative negligence under 735 ILCS 5/2-1116. Comparative negligence means more than one driver can share blame.

Here’s how it works:

• You can recover damages if you are less than 50 percent responsible for the crash.
• Your compensation is reduced by your percentage of fault.
• You cannot recover damages if you are more than 50 percent responsible.

For example, if you were found 20 percent at fault for what happened, your recovery would be reduced by 20 percent.

How Do Insurance Companies Handle Injury Claims?

Insurance adjusters are trained to protect the company’s financial interests. They may appear helpful, but their evaluations often focus on minimizing payments.

Common tactics include questioning the severity of injuries, arguing that a pre-existing condition caused your pain, or suggesting that you were partially responsible for the crash.

Under 215 ILCS 5/154.6, insurers must act in good faith when handling claims. Still, disputes can happen. Legal guidance can help ensure your claim receives proper attention.

What Can a Car Accident Lawyer Actually Do for You?

In serious cases, hiring a lawyer often makes a significant difference. A lawyer typically helps by investigating the crash, gathering evidence, and calculating the full value of your losses.

Losses may include medical bills, future treatment costs, lost income, and pain and suffering, which means the physical discomfort and emotional stress caused by an injury. These damages can be challenging to calculate accurately without a lawyer.

Legal representation can also prevent you from accepting a settlement that is too low. Once you accept an offer, you usually cannot request more compensation later.

Is It Worth Getting a Lawyer for a Minor Car Accident in Illinois?

If the crash caused only property damage and no injuries, you may be able to handle the claim yourself. Still, it is wise to monitor your health closely. Some injuries, such as whiplash, may not appear immediately.

You should seek legal advice if new symptoms develop or if the insurance company becomes difficult to work with. Acting early often prevents larger problems later.

Schedule a Free Consultation With Our Cook County, IL Car Accident Attorney

If you were injured in a crash, getting reliable legal guidance can make the process less overwhelming. At Adler Injury Law, Ltd., you can work with a Rolling Meadows, IL car accident lawyer who understands the challenges accident victims often face.

Attorney Adler places a high priority on fighting for his clients’ rights against large insurance companies. He is committed to pursuing accountability and helping clients seek the financial recovery they may need after a serious collision. Call 312-236-2700 today to schedule a free consultation and learn what steps may help protect your future.