$100,000 Policy Limits Recovery

In a single-car collision in Illinois, our client — a passenger at the time of the accident — suffered a significant hip injury. As an Illinois personal injury attorney, Rob Schmittgens faced a key challenge: limited medical documentation, since the client could only attend a few appointments due to financial constraints and work obligations. Rather than let sparse records undervalue the claim, our team focused on the severity of the incident and its real-world impact on the client’s life. The insurance company opened at just $13,500 and barely moved to $15,000, but by standing firm we negotiated the full $100,000 policy limit — finalized just before the statute of limitations deadline, without the need for formal litigation.

• Secured the maximum $100,000 policy limit for a passenger’s hip injury in a single-car accident.
• Overcame lowball insurance offers that started at just $13,500.
• Won a full recovery despite limited medical records caused by financial and work constraints.
• Finalized the settlement just before the Illinois statute of limitations deadline.
• Resolved the claim through negotiation alone, avoiding the cost and delay of a lawsuit.