Introduction

Illinois negligence law governs when someone can be held financially responsible for causing harm through carelessness. It applies to a wide range of situations—car crashes, unsafe buildings, botched repairs, and more. In fact, injuries due to negligence are more common than most people think. According to the CDC’s WISQARS database, unintentional injuries are a leading cause of ER visits and hospitalizations in the U.S. At its core, negligence means a person failed to act with reasonable care, and that failure led to someone else getting hurt.

But while the core idea is simple, the law behind it is not. There are dozens of rules that affect when someone can sue, what they need to prove, and how much they can recover. Even the idea of “fault” can get complicated, especially when both parties may have done something wrong.

This guide will walk you through how Illinois negligence law works—from the basic definition to the finer points of comparative fault and damage awards. We’ll explain how these rules play out in real-world situations, including examples drawn from personal injury cases in Chicago. If you were injured and think someone else is to blame, this article will help you understand whether you have a valid claim—and what to do next. Of course, if you would like to speak to a lawyer, you can click here to request a free consultation.

Key Takeaways

• Negligence means someone failed to act with reasonable care, and that carelessness caused harm.
• To win a negligence case in Illinois, you must prove four elements: duty, breach, causation, and damages.
• Modified comparative negligence allows you to recover damages even if you were partly at fault—so long as you were not more than 50% responsible.
• Proving negligence requires evidence—photos, medical records, witnesses, and more. The stronger your documentation, the stronger your case.
• Collectability matters. Even if you win, you need insurance or a solvent defendant to actually recover money.
• The statute of limitations is usually two years—but it’s not always that simple. Waiting too long can kill your case.
• Insurance companies are not your friends. Even when they sound polite or helpful, their goal is to pay you as little as possible.
• Most injury lawyers, including our firm, work on a contingency fee basis. You pay nothing up front—and nothing at all unless we win.

What Is Negligence Under Illinois Law?

Negligence is the legal theory behind most personal injury claims in Illinois. At a basic level, it means a person failed to act with reasonable care and caused someone else to suffer harm as a result. This is true whether the harm was physical, financial, or both.

Illinois negligence law doesn’t require perfection. People make mistakes all the time, and not every mistake leads to a lawsuit. But the law does require that we act with the level of care that a reasonably careful person would use under the same circumstances. When someone fails to meet that standard—and their actions cause injury—they can be held legally and financially responsible.

Negligence law applies to a wide variety of everyday situations. A distracted driver who runs a red light. A property owner who ignores a broken stair. A dog owner who lets their aggressive dog roam loose. These are all examples of potential negligence under Illinois law. The question in every case is the same: did the person act carelessly, and did that carelessness cause someone to get hurt?

In Illinois, these questions are evaluated under a common set of legal rules that have developed over time through court decisions. Understanding how those rules work—and how they apply in real-world situations—is the foundation of any negligence claim.

The Four Elements of a Negligence Claim in Illinois

To win a negligence case in Illinois, the injured party has to prove four things. These are sometimes referred to as the “elements” of negligence. If even one is missing, the case usually fails. But when all four are present, the law allows the injured person to recover damages from the person who caused the harm.

1. Duty of Care

The first question is whether the defendant (the person being sued) owed the plaintiff (the injured person) a duty of care. In most cases, the answer is yes. Drivers owe a duty to operate their vehicles safely. Property owners owe a duty to keep their premises reasonably safe. Professionals owe a duty to perform their services with reasonable skill.

Example: A grocery store has a duty to keep its floors reasonably clean and dry so customers don’t slip and fall. A store that ignores a puddle near the entrance may be breaching that duty.

2. Breach of Duty

The next step is to determine whether the defendant breached that duty. In other words, did they fail to act with the level of care a reasonably careful person would have used in the same situation?

Example: If a driver is texting instead of watching the road and rear-ends another car, that’s a breach of the duty to drive safely.

It’s not always about dramatic misconduct. Sometimes a simple oversight or poor decision is enough to constitute a breach if it creates an unreasonable risk of harm.

3. Causation

Even if someone acted carelessly, they’re only legally responsible if their actions actually caused the injury. Illinois negligence law looks at two types of causation: cause in fact and proximate cause.

• Cause in fact means the injury wouldn’t have happened but for the defendant’s conduct.
• Proximate cause means the injury was a foreseeable result of that conduct.

Example: If a landlord ignores a broken stair for weeks and a tenant falls and breaks their ankle, the fall was both caused by the landlord’s inaction and a foreseeable consequence of not fixing the stair.

But if the injury was too remote or involved an unexpected chain of events, courts may find the conduct wasn’t the legal cause—even if it played some role.

4. Damages

Finally, the plaintiff has to show that they actually suffered harm. That can include physical injury, emotional distress, lost wages, medical bills, or other financial losses. No harm means no case, even if the defendant acted badly.

Example: A bicyclist gets sideswiped by a car but isn’t injured and doesn’t lose any income or incur any bills. That person may have a close call, but not a valid negligence claim.

On the other hand, even a relatively minor injury—like a sprained wrist or a chipped tooth—can support a claim if it leads to real costs or losses.

Types of Cases Where Illinois Negligence Law Applies

Illinois negligence law comes into play any time someone gets hurt because another person or business failed to act with reasonable care. While the legal rules are the same, the types of situations where negligence occurs vary widely. Some of the most common negligence claims in Illinois include:

Car Accidents

Car crashes are the most familiar type of negligence case. Illinois drivers are required to obey traffic laws and operate their vehicles safely. When they don’t, and someone gets hurt, they’re typically responsible for the damages.

Example: A driver is speeding down Western Avenue in heavy traffic. They don’t stop in time and rear-end a vehicle that’s waiting to turn. The other driver suffers a concussion and a fractured wrist. This is a textbook negligence case—failure to drive safely caused actual harm.

Even minor crashes can lead to valid claims if they cause injuries that require treatment or affect your ability to work.

Slip and Fall (Premises Liability)

Property owners have a duty to maintain their premises in reasonably safe condition. If someone slips, trips, or otherwise gets injured because of a dangerous condition that should have been fixed or warned about, that’s likely a negligence claim.

Example: A customer walks into a Chicago grocery store on a rainy day. The tile floor near the entrance is wet and there are no mats or warning signs. The customer slips, falls, and tears a ligament in their knee. The store could be liable for failing to take basic precautions.

Liability depends on what the property owner knew (or should have known) about the danger, and whether they had a reasonable opportunity to fix it.

Negligent Maintenance of Buildings

In Chicago, where many residential buildings are aging and poorly maintained, landlords and property managers frequently face negligence claims. While landlords aren’t always liable for dangerous conditions, there are multiple exceptions—especially when a landlord promises to make repairs and fails to do so.

Example: A tenant in a three-flat reports a loose porch railing to their landlord. The landlord says they’ll fix it but never does. A few weeks later, the tenant leans on the railing and falls, suffering a serious back injury. The landlord could be liable because they voluntarily took on a duty to repair and failed to act reasonably.

Negligence law also applies when owners ignore building code violations or rent out units with known structural problems.

Dog Bites and Animal Attacks

Dog owners have a duty to prevent their animals from harming others. In Illinois, dog bite liability is usually governed by statute, but there can still be overlapping negligence claims—especially when an animal was previously aggressive or the owner failed to take reasonable precautions.

Example: A dog known to be aggressive is left unleashed in an open front yard in Logan Square. A child riding a bike on the sidewalk is bitten and needs stitches. The owner may be liable under both the Illinois Animal Control Act and general negligence principles.

Medical and Professional Negligence

Doctors, nurses, and other licensed professionals are held to a higher standard of care because of their training and responsibility. When they make avoidable mistakes that cause harm, the result is a professional negligence—or malpractice—claim.

Example: A surgeon at a Chicago hospital leaves a surgical sponge inside a patient, causing a serious infection. That’s a clear breach of the professional duty of care and grounds for a negligence claim.

While medical malpractice cases are more complex, the core principles are still grounded in ordinary negligence law.

Construction and Workplace Injuries

Contractors, property owners, and employers may be liable for negligence when unsafe working conditions cause injuries. These cases often involve third-party liability in addition to workers’ compensation claims.

Example: A delivery driver slips on an icy loading dock behind a commercial building because the property owner failed to salt the area. The driver may have a negligence claim against the building owner, separate from any workers’ comp claim.

How Comparative Negligence Works in Illinois

In some personal injury cases, both parties share some level of blame. Illinois follows a rule called modified comparative negligence. This rule allows an injured person to recover damages even if they were partly at fault—as long as they weren’t more than 50% responsible.

Here’s how it works:

• If you are 50% or less at fault, you can still recover money, but your recovery is reduced by your percentage of fault
• If you are more than 50% at fault, you get nothing.

Example 1: Pedestrian vs. Turning Driver

A pedestrian is crossing the street in a crosswalk on Michigan Avenue. A driver making a left turn fails to yield and hits the pedestrian. However, the pedestrian was looking at their phone and didn’t see the car coming.

A jury finds the driver 80% at fault and the pedestrian 20% at fault. The pedestrian’s total damages are $100,000. Under Illinois law, the pedestrian still recovers—but the award is reduced by 20%. The final recovery is $80,000.

Example 2: Car Crash with Shared Blame

Two drivers approach an intersection in Cicero. One runs a red light. The other is speeding and tries to beat the yellow. They collide, and one driver suffers a spinal injury.

The jury finds the injured driver was 55% at fault for speeding and trying to beat the light. Because that’s more than half, they are barred from recovering anything—even though the other driver also ran a red.

This rule reflects a judgment that people who are mostly responsible for their own injuries shouldn’t be compensated. But it also allows for fairness in situations where both parties made mistakes.

How Fault Is Decided

In Illinois, fault is typically decided by a jury, unless the case settles beforehand. The jury listens to the evidence, considers the actions of each party, and assigns percentages of fault. These numbers directly impact how much money the injured person receives.

Insurance companies know how powerful this rule is. That’s why they often try to blame the injured person, even when liability seems clear. A good lawyer’s job is to push back and make sure the facts are presented accurately—especially when the defendant’s insurance carrier tries to shift blame.

How Do You Prove Negligence?

Knowing the law is one thing. Proving it in the real world is another. Even when someone clearly acted carelessly, you still have to prove every element of the case with evidence. In Illinois, that means showing duty, breach, causation, and damages using documents, testimony, and other facts.

Most cases rise or fall on what you can prove—not what actually happened. That’s why evidence matters so much.

Key Types of Evidence in an Illinois Negligence Case

Here are the kinds of evidence that commonly appear in Illinois negligence claims:

• Photographs and videos – These are often the most persuasive. A clear photo of a broken step, a video showing a car running a red light, or surveillance footage from a business can be case-defining.
• Medical records – These document what injuries occurred, when, and how they were treated. They also help connect the dots between the incident and your ongoing pain, limitations, or disability.
• Witness statements – Eyewitnesses can help prove how something happened—especially if the defendant disputes key facts.
• Incident reports – Whether from police, property managers, or businesses, official reports can help establish who was involved and what was initially said or observed.
• Expert opinions – In complex cases (e.g., medical negligence, construction injuries), you may need an expert to explain what went wrong and why it violated the standard of care.
• Your own testimony – What you saw, felt, and experienced matters. But insurance companies often try to use your own words against you. This is one reason why it’s smart to speak to a lawyer before giving a recorded statement.

Example: Proving Fault After a Fall

Let’s say a tenant in a Chicago apartment building falls down a stairwell and suffers a fractured hip. The landlord claims the tenant tripped over their own feet. But the tenant has a photo, taken the day after, showing that the stair tread was broken and crumbling. There’s also a repair request made two months earlier asking for the stairs to be fixed.

That combination—photo evidence, prior notice to the landlord, and a clear injury—is often enough to prove negligence. The photo shows the defect. The repair request shows the landlord had notice. The medical records show the injury. That’s a case with legs.

What if There’s No “Smoking Gun”?

Plenty of valid claims don’t have a video or a perfectly documented paper trail. Illinois negligence law allows judges and juries to infer negligence from circumstantial evidence. A wet floor without a caution sign. A cracked sidewalk in a high-traffic area. A long-standing safety hazard that any reasonable person would have fixed.

The more you document—through photos, written reports, and medical records—the stronger your case will be. But lack of perfect evidence doesn’t automatically mean you lose.

How Long Do You Have to File a Negligence Lawsuit in Illinois?

Most negligence claims in Illinois are subject to a two-year statute of limitations. That means you have two years from the date of the injury to file a lawsuit in court. If you miss that deadline—even by a single day—your case is usually over, no matter how strong it is.

But that two-year rule is just the starting point. There are numerous exceptions, complications, and traps built into the law. Some people have more time. Others have much less. The only safe way to figure out how long you have is to speak with a lawyer as soon as possible.

The Basic Rule: Two Years From the Date of Injury

In most personal injury cases, including car accidents, falls, and general negligence, the two-year clock starts ticking on the day the injury happens. If you were rear-ended on March 1, 2023, you generally have until March 1, 2025, to file your case.

That might sound like plenty of time—but it goes faster than you think. Evidence disappears, memories fade, and insurance companies delay on purpose. By the time you realize they aren’t offering a fair settlement, you may be dangerously close to the deadline. Lawyers need time to investigate and prepare before filing, so don’t wait until the last minute.

Special Rule: The Discovery Rule

Illinois negligence law includes a limited exception called the discovery rule. In some cases, the two-year clock doesn’t start until the person “knew or should have known” that they were injured and that the injury was caused by someone else’s negligence.

This comes up most often in cases involving:

• Medical malpractice
• Hidden injuries (e.g., toxic exposure)
• Defective products or long-term hazards

But don’t assume the discovery rule will save you. Courts apply it narrowly, and defendants almost always argue that you should have known earlier. Unless the facts are clearly on your side, you’re taking a risk by relying on this rule.

Special Rule: Minors and Legal Incapacity

If the injured person is a minor (under 18), the statute of limitations is tolled—meaning it doesn’t begin to run—until they turn 18. After that, they usually have two years to file a claim. So, a child injured at age 10 typically has until their 20th birthday to bring a case.

The same tolling rule applies to people who are legally incapacitated at the time of injury—such as those with certain cognitive impairments. But this protection only lasts while the person remains legally disabled. If they regain legal capacity, the clock starts ticking.

Keep in mind: just because someone is young or incapacitated doesn’t mean you should wait to bring a claim. Evidence disappears fast, and waiting may make the case harder to prove—even if it’s still technically within the statute.

Special Rule: Claims Against Government Entities

If your claim is against a city, county, school district, or other public entity, the rules change. In many cases, you’re required to file a notice of claim within a few months—sometimes as little as six months after the incident.

Claims involving public transportation (e.g., the CTA), police misconduct, or injuries on public property often fall into this category. The statute of limitations may still be two years, but if you miss the notice requirement, your case may be dismissed before it even starts.

Bottom Line: Don’t Rely on Google—Talk to a Lawyer

The statute of limitations is one of the most dangerous parts of Illinois negligence law. The rules are complicated. There are exceptions to the exceptions. And the deadlines are enforced strictly—even if the injury was serious and the delay was unintentional.

Do not wait to speak with a lawyer. You may think you have time. You may believe your case is straightforward. But by the time you realize there’s a problem, it may be too late to fix it.

If you’ve been injured and think someone else may be legally responsible, the safest move is to talk to a lawyer now—not later.

What Damages Can You Recover in an Illinois Negligence Case?

If someone else’s carelessness caused you harm, the law gives you the right to seek compensation—what lawyers call damages. These damages are meant to make you “whole,” which means putting you back in the position you were in before the injury, at least financially.

In a typical Illinois negligence case, damages fall into two categories: economic and non-economic.

Economic Damages

These are the losses you can put a number on. They include:

• Medical expenses – hospital bills, surgery, physical therapy, prescriptions, and future treatment if needed.
• Lost income – wages you missed while recovering, and sometimes future loss of earning capacity if your injury affects your ability to work long-term.
• Property damage – cost to repair or replace damaged items, such as your car, phone, or glasses.
• Out-of-pocket costs – anything you had to spend because of the injury, like transportation to medical appointments or hiring help around the house.

Example: After a fall at a retail store, you need knee surgery, miss eight weeks of work, and pay for crutches and rideshare trips to physical therapy. Those are all recoverable economic damages.

Non-Economic Damages

These cover the human cost of an injury—the pain, inconvenience, and disruption to your life. Non-economic damages include:

• Pain and suffering – both physical and emotional pain.
• Loss of normal life – when you can’t do the things you used to enjoy, like exercising, playing with your kids, or living independently.
• Disfigurement – scars, burns, or other visible injuries.
• Emotional distress – anxiety, depression, sleep problems, or trauma from the incident.

These losses are harder to calculate, but they are no less real. In many cases, non-economic damages are a larger part of the total award than the economic ones.

Example: A cyclist hit by a distracted driver fractures their shoulder and can no longer lift their child comfortably or ride recreationally. Even if their medical bills are moderate, the loss of normal life can justify a significant non-economic award.

Punitive Damages

Punitive damages are rare in negligence cases. Illinois courts only allow them when the defendant’s behavior was not just careless, but outrageously reckless or intentional. For example, if a company knew about a dangerous defect in a product and sold it anyway, punitive damages might be available.

Most car accidents and slip-and-fall cases do not involve punitive damages. But in extreme cases—such as drunk driving or nursing home abuse—they may be on the table.

How Damages Are Proven

It’s not enough to say you suffered—you have to show it. That’s why documentation is critical. Medical records, wage statements, photos of injuries, witness statements, and personal journals can all help paint a clear picture of what the injury cost you.

A lawyer will also work with experts, if necessary, to project future costs, quantify lost earning potential, or explain the impact of chronic pain. Insurance companies fight hard to minimize payouts, especially for non-economic damages. You’ll need to present your case clearly and thoroughly.

Will You Actually Get Paid? (Understanding Collectability)

Proving negligence is only half the battle. Even if you have a strong case and win in court, that doesn’t guarantee you’ll ever see a dime. Collectability—the ability to actually recover money from the defendant—is just as important as liability. And it’s often the part people understand least.

Clients are often shocked to learn that even after they win a case, there may be no money to collect. It’s one of the most frustrating realities of civil law.

Why Collectability Matters

In most negligence cases, the money comes from insurance—not the individual who caused the harm. If the at-fault party has no insurance or not enough insurance, you may be left with a judgment you can’t enforce. Winning a lawsuit is worthless if the defendant has no assets, no job, and nothing to lose.

Example 1: The Uninsured Driver

A college student runs a red light and causes a serious crash. Your medical bills are over $50,000. You sue and win. But he’s uninsured, lives with his parents, has no job, and owns no property.

You now have a judgment—but no way to collect. You can’t squeeze blood from a stone. You might be able to garnish wages someday if he finds stable employment, but for now, you walk away with nothing.

Example 2: The Slumlord with No Insurance

You fall through a rotted porch in a Chicago three-flat owned by a fly-by-night landlord. The injuries are serious, and the negligence is clear. But when your lawyer investigates, it turns out the landlord doesn’t carry liability insurance and holds the property in the name of a shell LLC with no assets and the building is heavily mortgaged. Even if you win, there’s no real money behind the case.

This is shockingly common in landlord negligence cases. Many building owners are underinsured—or not insured at all.

Example 3: Suing a Business vs. Suing an Individual

A customer at a restaurant slips on a wet floor and tears her ACL. The floor was just mopped and left unmarked. She sues the restaurant and wins. The business carries a $1 million general liability policy.

That case is collectible—there’s an insurance policy backing the defendant. Now imagine the same injury happens at a small independent home daycare run by a friend of a friend. No insurance. No real assets. Even if you get a $250,000 judgment, there may be no way to collect.

What About Wage Garnishment or Asset Seizure?

You can, in theory, try to garnish wages, levy bank accounts, or place liens on property. But it’s rarely practical:

• Defendants often live paycheck to paycheck.
• They may file bankruptcy, wiping out your judgment.
• Collection takes time, costs money, and may not work.

Some clients think they’ll just “ruin” the other person financially. That’s emotionally understandable, but legally hollow. If the goal is compensation—not revenge—you need a financially solvent defendant or an insurance policy that will pay.

What Makes a Case Collectible?

A case is collectible when there is at least one of the following:

• Auto insurance (bodily injury coverage, typically $25,000 to $100,000 minimums in Illinois)
• Homeowners or renters’ insurance
• Business liability insurance
• Umbrella insurance
• Deep-pocket defendants (large companies, government entities, commercial landlords, extremely wealthy individuals)
• Multiple defendants with overlapping coverage

Your attorney’s job isn’t just to prove negligence—it’s to find out who’s going to write the check. That’s why experienced lawyers do a thorough investigation before taking a case.

What If There’s Not Enough Insurance?

This is common in car accident cases. The at-fault driver might only carry the Illinois minimum—$25,000 per person. If your medical bills are $100,000, that won’t cover your losses. If you have uninsured or underinsured motorist coverage on your own policy, you may be able to collect from your own insurer.

Unfortunately, many people don’t carry this coverage or carry very low limits without realizing it.

Bottom Line on Collectability

Before you get too invested in your case, it’s critical to ask:
“Even if I win, who’s going to pay me?”

It’s a question most people never think to ask—and many don’t want to hear the answer. But ignoring it doesn’t make it go away. A good personal injury lawyer will give you a straight answer about collectability, even if it’s not what you want to hear. And the earlier you ask, the more strategic your decisions will be.

Common Defenses in Illinois Negligence Cases

Just because you were injured doesn’t mean the other side will accept responsibility. In fact, they almost never do. Whether you’re dealing with an insurance company, a defense lawyer, or the defendant personally, you can expect pushback. And in Illinois negligence cases, there are several well-worn defenses that come up again and again.

Some are legitimate. Others are just tactics to avoid paying. Either way, you need to be prepared.

1. The Blame-the-Victim Defense (Comparative Fault)

We covered this earlier, but it bears repeating: Illinois follows modified comparative negligence, which means the defense can win by proving you were more than 50% at fault.

Expect defendants to say:

• You were distracted.
• You weren’t paying attention.
• You should have seen the hazard.
• You didn’t follow instructions.

Example: After a slip and fall at a grocery store, the store’s lawyer argues that you were texting while walking and ignored a wet floor sign. Even if you were hurt badly, they’ll try to shift enough blame to reduce what they have to pay—or avoid paying anything at all.

This defense is common, and it often works—especially when there are no witnesses or when the injured person gave a recorded statement admitting something careless.

2. No Duty Owed

Sometimes defendants claim they had no legal duty to protect you in the first place. This is a threshold issue. If no duty existed, then there’s no negligence—no matter how bad the outcome was.

Example: You injure yourself walking across a neighbor’s icy driveway. They claim they didn’t invite you over and had no responsibility to clear the snow. In some cases, this defense works—especially when the injured person was technically trespassing or the hazard was considered “open and obvious.”

Duty questions often come up in:

• Premises liability cases
• informal or private settings
• volunteer-run events

3. No Actual Negligence (They Were Careful Enough)

Even if a duty existed, the defense might argue they didn’t breach it. In other words, they did act reasonably under the circumstances.

Example: A driver hits a pedestrian who darted into the street between parked cars. The defense admits the driver hit the pedestrian—but says there was no way to avoid the accident despite driving carefully. If a jury agrees, the driver may be cleared of liability entirely.

This defense often relies on:

• Conflicting witness accounts
• Lack of evidence (no video, no photos)
• Cross-examining the plaintiff’s version of events

4. No Causation

Another go-to defense is claiming that the injury wasn’t actually caused by the defendant’s actions. This usually comes up when:

• The plaintiff had preexisting conditions
• The injury developed gradually (e.g., back pain)
• The timeline between the accident and the symptoms isn’t clear

Example: You’re in a minor fender-bender and later need spinal surgery. The insurance company argues that your back was already bad and the crash didn’t cause your condition—they just happened around the same time.

These cases often turn into battles between medical experts. The defense hires someone to say your injuries aren’t related. Your lawyer has to bring in someone else to say they are.

5. You Assumed the Risk

In some cases, the defense will argue that you voluntarily accepted a known risk and therefore can’t recover.

Example: You’re injured at an amateur boxing match. You signed a waiver and got in the ring knowing there was a chance you’d get hurt. The promoter argues you can’t sue because you assumed the risk.

This defense comes up in:

• Sports and recreational activities
• Dangerous workplaces
• Any situation involving waivers or disclaimers

Courts look carefully at these cases. Signing a waiver doesn’t always bar a claim—but it definitely complicates things.

6. No Real Damages

Even if everything else is in your favor, the defense might argue that your injuries weren’t serious or didn’t result in actual loss. This is an attempt to minimize your damages and reduce the payout.

Example: You slipped on a wet floor and went to the ER—but didn’t follow up or miss any work. The defense says you’re fine and didn’t suffer enough to justify a claim. They may admit fault but still fight over the value of the case. This is especially common when there’s no surgery, no obvious injury, or a gap in treatment.

Bottom Line – Defenses

Negligence cases are never clean and simple. The other side will use every tool available to reduce or eliminate your claim. That’s why experienced legal representation matters. A good lawyer won’t just prove what happened—they’ll anticipate these defenses and build your case to withstand them.

Do You Need a Lawyer to Win a Negligence Case?

Technically, you can represent yourself in a negligence case. Legally, there’s nothing stopping you from filing a lawsuit, negotiating with the insurance company, or even trying a case in front of a jury on your own. Illinois courts provide some very basic forms here.

But practically speaking, it’s a bad idea—and insurance companies know it.

The legal system is complex. The rules of evidence are strict. And most importantly, the other side is always represented. If you go it alone, you’re walking into a fight with one hand tied behind your back—and your opponent is a trained professional who does this for a living.

Why Insurance Companies Love Unrepresented Claimants

Insurance adjusters are trained to save their company money. When they know you don’t have a lawyer, they’ll:

• Offer pennies on the dollar, hoping you’ll settle cheap.
• Delay and stall, running out the clock on the statute of limitations.
• Pressure you to give a recorded statement, which they’ll later use against you.
• Push you to sign documents that limit your rights.

To make matters worse, they’ll often do it all while being incredibly friendly. Many adjusters are charming, sympathetic, and sound like they’re on your side. They’ll tell you not to worry, that they “just need a little more information,” and that they’re “working to get this resolved for you.” Meanwhile, behind the scenes, they’re building a case to pay you as little as possible—or nothing at all.

You won’t know what your case is worth. You won’t know what evidence you need. And you probably won’t know what mistakes you’re making until it’s too late to fix them.

A Lawyer Does More Than File a Lawsuit

In a good negligence case, your lawyer will:

• Investigate the facts
• Collect and preserve key evidence
• Identify all possible sources of insurance or payment
• Work with your doctors to document your injuries
• Handle all communications with the other side
• Negotiate a fair settlement or take the case to court if necessary

They also know how to avoid common traps—like blowing the statute of limitations, giving unnecessary recorded statements, or relying on bad experts.

How Lawyers Get Paid (and Why It’s Usually No Money Up Front)

Most personal injury lawyers in Illinois work on a contingency fee basis. That means you pay nothing up front. Instead, the lawyer takes a percentage of whatever they recover for you—usually 33 – 40% of the settlement or verdict.

If they recover nothing, you pay nothing.

This model makes legal help available to people who couldn’t afford to pay an hourly rate—and it gives lawyers a strong incentive to win. They’re taking the risk alongside you.

Some firms also advance case costs (such as filing fees, expert witness fees, or court reporter charges), which are later reimbursed out of the settlement. If you’re unsure about how this works, ask. A good lawyer will explain the fee structure clearly before you sign anything.

When Should You Call a Lawyer?

Right away. Not after you get a lowball offer. Not after you try to negotiate on your own and hit a wall. And definitely not after the statute of limitations is about to expire.

Even if you’re not sure you want to file a lawsuit, speaking with a lawyer early allows you to:

• Understand your rights
• Protect your claim
• Avoid mistakes that could tank your case

Many firms—ours included—offer free consultations for injury cases. There’s no pressure and no cost to learn whether you have a case worth pursuing.

Ready to Talk? We’re Here to Help.

If you’ve been injured and think someone else’s carelessness is to blame, don’t wait to find out where you stand. Illinois negligence law is complicated, and insurance companies aren’t going to explain your rights for you.

We offer free consultations for injury cases. There’s no pressure, no obligation, and no fee unless we recover money for you.

Whether your case involves a car accident, a fall, a building defect, or something else entirely, we’ll help you understand your options—and we’ll give you a clear, honest assessment of what’s worth pursuing.

Contact Brabender Law today to schedule your consultation. We’re based in Chicago and handle cases throughout Illinois.