Umbrella coverage, also known as an umbrella insurance policy, provides additional liability protection beyond the limits of standard homeowner’s, auto, or other personal insurance policies. In Illinois, homeowners can purchase umbrella coverage to protect against significant claims and lawsuits that exceed the limits of their primary insurance policies. This is…
Filing a personal injury lawsuit can feel overwhelming, especially if you’re recovering from an accident and trying to navigate an unfamiliar legal system. Knowing what to expect and understanding the typical timeline of a personal injury case can provide clarity and peace of mind. At John J. Malm & Associates,…
One of the most common questions people ask after being injured in an accident is, “How much is my case worth?” While this is a straightforward question, the answer is anything but simple. The value of a personal injury case depends on numerous factors, including the severity of your injuries,…
Medical records play a pivotal role in personal injury cases. They serve as concrete evidence that helps attorneys, insurance companies, and courts assess the severity of injuries, establish causation, and determine appropriate compensation for damages. At John J. Malm & Associates, we routinely rely on medical records to evaluate and…
The event industry is a massive and profitable sector, generating billions of dollars annually across the globe. Whether it’s a major sports event, a sold-out concert, an expo, or a high-profile festival, these gatherings draw large crowds and offer significant financial opportunities for organizers, sponsors, and performers. In the U.S.…
After being involved in an accident, you may feel overwhelmed by the aftermath—medical bills, injuries, vehicle damage, and the insurance process can all pile up quickly. During this time, you might be contacted by the at-fault party’s insurance company, offering you a settlement. In most cases, this settlement offer will…
When attorneys prepare for trial, their focus is often on presenting compelling direct evidence—eyewitness testimony, physical proof, or documents that clearly show what happened. However, in many cases, circumstantial evidence plays a crucial role in shaping the jury’s perception of the facts. Unfortunately, the Illinois Jury Instruction on circumstantial evidence…
School zones are designed to be safe havens for children. However, the reality is that car accidents in these areas are not uncommon. The combination of young, small, unpredictable pedestrians and drivers who may be distracted or in a hurry creates a potentially dangerous environment. In Illinois, as in many…
Street and drag racing have long been glamorized by movies and television shows, often depicted as thrilling and rebellious. However, the reality is far from the glitz and glam. These illegal racing activities pose significant dangers to both participants and innocent bystanders. In Illinois, the rise in street racing incidents…
When dealing with severe injuries, time is of the essence, and air ambulances often play a critical role in providing rapid transportation to medical facilities and trauma centers. For personal injury cases in Illinois, understanding the use and costs of air ambulance services is essential for ensuring victims receive the…