Thank you very much for your reply.
I understand your desire to avoid being litigious but there is absolutely no reason
why you should not retain an attorney Don't feel as though you need to be "nice" or do the insurance company a favor--I can guarantee you, nice as the adjuster may seem, their only concern is paying you as little as they can possibly get away with.
They owe a duty not to you but to their shareholders to maximize profits and minimize their botXXXXX XXXXXne.
It's certainly possible to consult with an attorney without actually being "represented," but they are going to want to charge you on an hourly basis, likely at $200-400 per hour. Why would you want to do that when you could retain an attorney on a contingency fee basis (meaning you pay nothing out of pocket but a portion of your settlement or award if you recover something) with zero risk that you will wind up indebted as a result of the representation?
Attorneys handle small cases like this all the time and there are a number of reasons why it would be substantially better if you were to obtain counsel in the present instance. For one, no attorney would have you sign the general release the insurance company has presented to you. They are not entitled to "carte blanche" to make any invasive inquiry into your medical history that they desire. But they assume you don't know that and use that to your advantage as an intimidation tactic and to obtain potentially irrelevant information that can harm your claim.
This is just one of many examples how an attorney can help you under the circumstances, and since a contingency fee attorney charges nothing up front, I see no reason why you should not obtain such representation under the present circumstances. This is especially true given the present state of your finances, as paying for an attorney up front will invariably be expensive.
In short, even though the accident may not be that serious does not mean you should not take it seriously and retain an attorney to pursue your recovery You owe nothing to the insurance company, and trust me when I say that they have no plans on doing anything more than the bear minimum they can get away with to resolve your claim. Sure, you could retain an attorney on an hourly basis to consult but not represent you, but why do that when you don't have a lot of money and can obtain an attorney on a contingency fee basis with no out of pocket expense? There's no good reason.
To locate a personal injury attorney in Illinois, the Illinois State Bar attorney referral service is a great place to start. See here: http://ilf.isba.org/
Please do not hesitate
to let me know if you have any questions or concerns regarding the above and I will be more than happy to assist you further.
If you do not require any further assistance, please be so kind as to provide a positive rating of my service so that I may receive credit for assisting you. Very best wishes to you and thank you so much for coming to Just Answer.