FAQ's. Common Concerns about Personal Injury, Bankruptcy & Real Estate matters.

Going through something as difficult as a major legal event can leave you filled with questions about the past, present, and what to expect in the future. Get answers to some of the top questions I receive about Illinois personal injury, real estate and bankruptcy matters to help put your mind at ease. Check back often for even more answers to your legal questions. Better yet, give us a call to see how we can help. 


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  • What is a Notice of Health Care Provider Lien?

    If you sought medical treatment following an accident, it is very possible that you may have received a document called  a Notice of Health Care Provider Lien, either from the hospital or other medical provider directly or, more likely, from a law firm representing the provider.  The two most important things to understand is that you cannot ignore the lien and that as long as the lien is respected, you have no reason to worry.

    Rest Assured, You’re Not in Trouble

    No one likes to receive a letter or official looking document from an attorney’s office that they have never heard of. Usually this spells trouble, demands money, or threatens legal action. Relax, Health Care Provider Liens are a normal part of the complex legal process that occurs after an accident, even if you have not filed a lawsuit. Simply put, the hospital, doctor or clinic just wants to make sure that it is paid for services rendered. The normal way that is often accomplished, without an accident or someone to blame, is by having the bill submitted to a patient’s health insurance and then by billing the patient directly for any amount that was not covered by health insurance. The provider then has to hope that the person can pay their share of the bill, and that they do so quickly. However, when the health care provider has reason to believe that the injured patient will be bringing a claim against whomever was at fault (for example, another driver in the case of a car accident), the health care provider can take an extra step to legally protect their right to get paid. This is done by issuing a Health Care Provider Lien.

    The Health Care Provider Lien Protects the Medical Bill

    Your medical bills were likely submitted to your health insurance company for payment, or you may intend to pay a portion of the bill out of your pocket while your case is going on, but when the lien is issued, the health care provider likely does not know what is going to happen to its bill yet. They want to make sure that they get paid. The lien means that by law, the bill has to be dealt with when your case against the other party is complete- before you even take your share. Your attorney will be addressing the bills at the end of your case and making sure that the liens are properly handled. Once you receive your check at the end of the case, all medical bills should have already been handled which leaves you with peace of mind.

    It is very important to keep in mind that if your health insurance company paid a bill, they may exercise their right to subrogation, which is closely related to the topic of health care liens. If you have been trying to deal with the insurance companies, requests for information, bills and legal notices after an accident, it can seem overwhelming. Unfortunately, there are right ways and there are wrong ways to handle an injury case. It may be time to speak to an attorney, especially if you were seriously hurt as there may be a lot at stake. Give us a call at 630 250-8813 for a no-obligation strategy session with the attorney. 


  • I was hurt in an accident while visiting Illinois. Do I need a local injury lawyer?

    If you were hurt in an accident in Illinois but you live out of state, you may be wondering if it is worth hiring a lawyer. Chicago is a very popular place to visit and because traffic can become quite congested, we do unfortunately see many road accidents.  The decision as to whether or not you need a personal injury lawyer is determined by many things, only one of which should be where the accident happened in relation to where you live. The fact that you were only visiting should not be the sole determining factor.

    You certainly have the right to file a claim or even sue, if necessary, even if you don’t live in Illinois. Most injury cases can be successfully completed without your ever having to set foot in a courtroom and if a lawsuit is not filed, it is unlikely that you will even need to come back and be physically present in order to have a good outcome. That being said, it does not mean that you can remain completely uninvolved.  As with any case, you need to be in touch with your attorney and actively cooperate in the process, but much of that is done by telephone and email anyway. Depending on how many steps need to be taken to complete your case, it may not make much of a difference that you live out of state. It is possible that you might be asked to return to either give a sworn statement, deposition, or maybe even appear for an arbitration but if you would rather do so by telephone, this is sometimes possible with an agreement from the other side or by way of court order.

    Can I use a lawyer in my state if the accident happened in Illinois?

    Your case will be in Illinois and Illinois laws apply. If you were hurt here, you should hire an attorney who is not only licensed here but who is familiar with local rules and custom. Every state has their own set of laws and even if your case doesn’t “go to court”, you will want a lawyer who understands how laws are applied in our state. If a lawsuit becomes necessary, a local lawyer in your own state would need to find an Illinois lawyer to work with, making your case more complicated than it needs to be. 

    Will I have to travel back to Illinois for my injury case?

    As mentioned above, it is possible and in fact likely that your entire case can be wrapped up without your needing to return. However, if your case has to go as far as a trial, it would be a very good idea for you to come back and it is possible that a judge may require you to return. Depending upon the severity of your accident, this may or may not make it worth it for you. Keep in mind though, that while the insurance companies always want to rush people through the process so that they can get out as cheaply as possible (or pay nothing), you should take your time. There are time limits called statutes of limitations that you must be familiar with- for example, two years for most Illinois car accident cases, which should give you plenty of time to heal your body before you even need to think about traveling.

    What Should I do if I think I might want to pursue an injury case in Illinois?

    The first thing that you should do if you were hurt in an accident in around the Chicago area that was not your fault is to speak to an injury attorney in the State of Illinois. You can have a consultation over the telephone at no cost to find out what your options are. You should consider a number of factors like how the accident happened, whose fault it was, how badly you were hurt, if you had to miss time from work, the availability of insurance and so forth, before worrying about the fact that you don’t live in Illinois. If you “have a case”, the simple answer is that you should hire an Illinois attorney to get the job done.  If you aren’t sure- a Chicago area attorney will be happy to talk it over with you to explain the process so that you can make the best possible decision for yourself. If you live outside of the State of Illinois but were hurt here, give us a call at 630 250-8813 to talk about your options.


  • How Does the Insurance Work in a Hit And Run Accident?

    You can use your uninsured motorist coverage if you were the victim of a hit-and-run. Even though the person who hit you may have had insurance, you can’t collect from someone (or their insurance) if you cannot identify them. This essentially turns your case into an uninsured motorist claim. Check your policy to see the limits of your own insurance as this type of coverage is designed exactly to protect you if you were hurt in an accident and cannot pursue another driver’s insurance- either because they didn’t have any or because you cannot identify the other motorist. Even though it is the law to carry at least a minimum amount of car insurance in the State of Illinois, this does not mean that everyone does. Do not be afraid to use your uninsured motorist coverage. You have paid the premiums and since the accident wasn’t your fault, your rates will not go up. Dealing with insurance companies can still be a pain and you may wish to at least consult with an injury attorney to help you decide whether or not it is worth hiring one to help on your uninsured motorist claim, depending on the circumstances of your accident. We will be happy to discuss the details with you and provide honest feedback without any obligation on your part. Call us at 630 250-8813 if you were hurt in a hit and run car accident.

  • The Other Driver’s Insurance Wants me to See their Doctor- Do I have to go?

    Medical Exams set up by the insurance company for the other driver are unusual in Illinois car accident cases, but sometimes it will come up.

    I spoke to someone today who was rear ended less than 24 hours ago by someone who took their foot off the brake as both cars sat in a fast food drive through lane. It was relatively minor but that same evening, the insurance company for the driver who did the rear-ending was already calling the woman who was hit. They started asking her all about her medical history and after learning that she had a back injury many years ago, they immediately told her that she needed to go see one of their doctors.

    Insurance companies will act very quickly in trying to contact the other driver, especially when they know that it was their own driver’s fault. This is deliberate and done for the sole protection of the insurance company, so that they can get out of paying you anything or paying you as little as they think they can get away with. In the situation above, it is likely that the reason that the insurance company pushed for a medical exam by a doctor who is paid by the insurance company, is so that they can try to get a report written which says that her injury was not related to the accident and has to do with her prior back problems, which they also hope to pry further into using the medical setting. If a doctor says that the pain she felt after the accident isn't really because of the accident, then the auto insurance company does not have to accept responsibility for her injury. Whether or not what she feels relates to the accident is best determined by her own doctor and by what she herself notices about her own body. 

    Make no mistake about it, following a car accident, when someone else’s insurance company wants to send you to their own doctor, this is not so that they can help you or provide you with medical treatment. It is solely for their protection. Do not let their insurance company tell you what you need to do because their motives are not in synch with your own objectives, especially if the accident was not your fault. If you are being told what to do by the other driver’s insurance company, you should speak to your own attorney immediately and before agreeing to anything.

    If you are being either bullied or gently guided into doing something that you aren't sure about by an insurance company, give us a call before its too late. 

  • How can a lawyer help after a car accident?

    Car Accident lawyers and injury cases are often misunderstood, in large part due to television commercials on Chicago stations showing screaming lawyers with fistfuls of cash. For most car accident victims, fistfuls of cash are the furthest thing from their mind as they focus on their recovery, getting by day to day with the pain, and wondering how they will manage all of the bills.  Unfortunately, no one can go back in time to un-do the accident, but using both the legal process and medical treatments is often the best way to return life to how it was before the accident. This is what most people want after a bad accident, just go go back to how things used to be. No tv lawyers here to scream in your face. I prefer to educate my clients so that they can make the best possible decision for themselves following an accident.

    How a lawyer can help you after a car accident

    With all of the traffic Chicago and the suburbs, combined with bad weather in the winter, car accidents are unfortunately an everyday occurrence. We are here to help on the legal end by first evaluating your case to make sure that hiring a personal injury lawyer makes sense for you. We will talk about exactly how the accident happened and what your injuries are. Honesty is a core value at O’Connor Cadiz Law, so if we can’t help you, we will explain why and hopefully point you in the right direction. If we proceed with a case, we can help you recover payment of your medical bills and out of pocket costs, along with:

    • Compensation for missed time from work (lost wages)
    • Pain and Suffering
    • Loss of a Normal Life (how the accident changed what you can do, even if only short term)

    Not only does a lawyer help you with recovering any money that you may be entitled to after a car accident, but will also

    • Alleviate the stress of dealing with the insurance companies, so that you don’t have to take their phone calls anymore
    • Help you evaluate the reasonable value of your claim
    • Negotiate on your behalf
    • Make sure that all of your medical providers are paid, so that you don't have to write checks after the accident
    • If necessary, file a lawsuit on your behalf
    • If necessary, take your case to trial

    If you were hurt in a car accident in or around Chicago, and the accident was someone else’s fault (or mostly someone else’s fault), get in touch with us by filling out a webform on this site or giving us a call at 630 250-8813 for a free strategy session.


  • I’m Off Work after a Car Accident but I can’t Afford it! What Should I do?

    After a serious accident, you may find yourself unable to go to work and worried about not getting a paycheck. While the hope is that this will be a temporary problem that can be covered by personal savings or the use of sick days, paid time off or vacation time, this is not always the case. Many people struggle with how to meet their living expenses if they need to be off from work while recovering from a car accident, let alone how to pay the bills that start to come in from the doctors.

    One of the hardest parts of my job as an injury attorney is hearing that people can’t make ends meet after their accident because they are not back to work yet and have used up all of their paid days off. Of course, you will want to make sure that you are following all of your doctor’s recommendations (such as physical therapy, etc) so that you can get back to work sooner rather than later. The natural temptation is to return to work before you are ready because you feel that you do not have a choice since your family is depending on your paycheck. With your doctor’s permission, you may want to try and see if you can return to work, but many people end up leaving again in frustration if they have returned before their bodies are ready or worse, end up hurting themselves again. If you are not healed enough to return to work and have used up all of your paid time off, there are other options.

    What are my options if I have used all of my paid sick leave and personal days?

    Talk to your boss or the human resources (HR) department at work to find out if short term disability may be used. It is possible that you might be able to benefit from such a plan until you are well enough to work, but it may be harder to receive if your injuries are “soft tissue”, as in whiplash-type injuries.

    Some people have PIP Insurance, which is known as personal injury protection, which will cover their medical bills and lost wages if they are in an accident, regardless of fault. Since this is not at all mandatory, most people don’t have it. It would not hurt to look into it and find out if you have purchased this insurance and if so, what the limits are.  The limits may vary in terms of dollar amounts and depending on whether or not you have other kinds of insurance. Unfortunately, it will not cover pain and suffering, etc. Your bills might also be more than what the coverage provides. While using PIP insurance usually requires you to give a recorded statement to the insurance company and possibly submit to a separate medical exam, it can still be an okay option under some circumstances.

    Can I get my lost wages from the At-Fault Driver now? 

    Being off of work and not getting paid for it after a car accident will be a very vulnerable time and it may be tempting to settle your case with the insurance company just to get some bills paid. Resist the temptation to enter into a premature settlement. The at-fault-driver is not required to reimburse lost wages as you go, rather - it comes at the end of your case. If you settle now, you will be doing so before the full extent of your damages are known- since time off from work is one piece of what are known as your ‘damages’. In other words, you don’t know yet how much longer it will be before you are able to get back to work.  Once you settle, that’s it- no more money down the road from the at-fault driver or their insurance company. The good news is that your lost wages will be part of your claim against the person who hit you, so ultimately the other driver does have to take responsibility for this and reimburse you. But, since it doesn’t help you in the moment to know that eventually you should be able to recover for this lost time from work, you must explore other options. It may be that you need to borrow money from friends, family, church or other community resources if none of the above plans are an option for you.

    Have faith in that there is light at the end of the tunnel. If you were seriously hurt in an accident and believe that it was the other person’s fault, you should be able to recover not only your lost wages but also be compensated for your medical bills, pain and suffering, lost wages, medication and other out-of-pocket costs. Illinois has definite time limits, so do not wait. You should be speaking to an attorney early on to determine what you should be doing and to avoid making mistakes that can hurt you later. Give us a call if you need help. 


  • What does it cost to talk to a personal injury lawyer?

    Most personal injury law firms in the Chicago area, including O'Connor Cadiz Law, do not charge anything to speak with you about your personal injury case. This means that if you were hurt in an accident and it was someone else's fault (or mostly someone else's fault), there should be no hesitation about speaking to a lawyer. At least it is not going to cost you anything. But wait, you might be thinking, I am still not sure if I am ready to talk to a lawyer. Understandable. Many people feel intimidated by going to speak to a lawyer for the first time, especially one that they don't know. What actually goes on once a lawyer has you in their office?

    I can't speak for what goes on at other law firms, but I can say this: not all free consultations are equal. Some will be nothing more than a sales pitch with high pressure to hire even if you are just trying to get information. Others will have a consultation done by a paralegal who may be qualified to gather your information but cannot give legal advice. And aren't you really there to get legal advice? Of course! While you likely will not have to pay to talk to a lawyer if you have been injured, you still want to make sure that you feel comfortable about what will happen before you go in to talk to a lawyer.  At O'Connor Cadiz law, our goal during the strategy session is to be helpful and answer your questions. It is possible that you might not be the best fit for us and we might not be the best fit for you, but if that is the case- we will tell you and still try to point you in the right direction. No high pressure tactics here. If you are not ready to speak to go speak to a lawyer yet, give us a call or fill out our webform to request free information or sign up for our newsletter. We are here when you are ready, but please remember that there are strict time limits in the State of Illinois (& in other states too) about how long you have to take action or lose your rights forever.

    If you would like to schedule an appointment, call us at 630 250-8813 or fill out a contact form on this site to start the conversation. 

  • How long do I have to take Legal Action After Getting Hit by a Car?

    Generally, you have two years to take legal action after getting hit by a car in Illinois

    After getting hit by a car as a pedestrian, as with other types of injury cases, the State of Illinois imposes strict time limits in how long you have to take legal action. This is called a Statute of Limitations and in most cases, you will have two years from the date of the accident. After that date, you lose your right to sue. There are some exceptions to this, as is the case if you are hit by a CTA bus or have a claim against another municipality or governmental entity. In some cases, notice has to be provided as early as within six months of your accident. 

    Why waiting to talk to a personal injury lawyer could hurt you

    The two year time frame to sue does not mean that you have the luxury of time and should wait until the last minute to contact a lawyer, even if you have been trying on your own to deal with the insurance company.  The reason that you don't want to wait until the statute is about to run is because many lawyers will simply refuse to take your case at that point. Holding drivers responsible for their own actions, even in car v. pedestrian cases, is complex. Even if a driver admits to hitting a pedestrian, some will try to find defenses or make it look like the pedestrian's own behavior played a role, in order to minimize what they might have to pay out by way of compensation. Or the injuries themselves could be disputed. There are many factors that go into a successful claim for personal injury, and the facts will be carefully investigated by both your lawyer and by the insurance company for the driver who hit you. Careful investigation takes time and should take place before a lawsuit is filed. Even if you have been dealing with the insurance company for a while and are coming close to the two year statute date, it is normally a good idea to have an attorney take a look at your case and deal with the insurance company for you. The sooner you can get an attorney involved to handle your injury case, the better- even if just to find out if you "have a case" or if it is the type of matter that you may want to continue to handle on your own. Don't leave yourself without a chance just because you waited too long. Contact us today if you or your child has been hit by a car and you'd like to discuss your options. 

  • At What Point do I need to hire a Real Estate Lawyer?

    Do not wait to hire a real estate lawyer! Its not a bad idea to line one up as soon as you know that you are going to be selling your house or buying one. At the very, very latest, you should be hiring your attorney within 24 hours of signing acceptance on your contract (‘the offer’) with a buyer or seller.  Most (not all) contracts will only give five days in which to have an attorney review your contract or make changes to it, and within 5 days, the buyer’s lawyer will likely be sending out a letter with their “attorney review” modifications and/ or requests from the property inspection.  If you are the seller, your lawyer also needs to get moving on ordering title and other tasks sooner rather than later, to meet your closing date.  It is likely, though, that you will have legal questions even before your house is under contract, and since you are paying a flat fee (no hourly charges here), you may as well hire a lawyer as early on in the process as possible so that you can ask questions as they arise.


    Feel free to call me at 630 250-8813 with no obligation on your part, just to talk so that I can answer any questions that you may have about the home selling or buying experience - as you get ready to start the process of a real estate closing.


  • Who will actually be working on my Real Estate case for my closing?

    If you hire O'Connor Cadiz Law for your real estate closing. You will work closely and directly with me. I enjoy my job immensely and it is my mission for every case that I take, to handle it personally. I see my clients as people and not just as little bags of money as I hop from one closing to the other. I want to get to know you and see you through the process from start to finish. If you have a question, it is me that you will talk to.  If you send an email to my office, it is me who will answer it. That does not mean that I am available 24 hours a day- I am out at closings a lot, as you can imagine, and do have a busy schedule, but I still make myself accessible to clients and their realtors, and I will always be the one to get back to you.  Some other lawyers operate the same way, but the overwhelming majority do not.  It is just a different business model, and they often will assign someone else (usually a non-lawyer) to your case. Often times these workers are overstressed, overworked, and will sit at their desk all day wearing a headset (I’ve seen it). If you are okay with that, that’s fine- but just know from the outset that you may not always get the attorney you hired to handle the all aspects of your case. You might not even ever speak to them directly until you get to the closing.

    Interested in learning more about how I might be able to help you? Give me a call to see if we are a good fit to handle your Chicago area real estate closing. Don't live near Schaumburg or Itasca? It doesn't matter, you don't have to come in to my office. My number is 630 250-8813. Talk to you soon!