If you are in a claim situation with, Apollo, Delphi, American Access, American Freedom and countless other nonstandart companies that sell insurance in IL know that your claim will not get handled fairly and quickly. Contact an personal injury attorney ASAP. Even with the attorney the claim can take up to 2 years to settel and unfortynately there is not much you can do. Make sure your own insurance is with one of the standart carriers with good limits. Carriers I recomend for fair claim handling are: Progressive, Travelers, Statefarm, American Family, Geico, Pekin, EMC, Metlife. There are other carriers that are as good. Make sure you carry at least 50000 medical limit to cover yourself specially if you don't have health insurance. Good luck.
Pros: Know thy coverages
Cons: Dont trust the system