
Picture this. You're sitting across from an insurance adjuster, and they just slid a number across the table. It's low. Insultingly low. You know it. They know it. But they're counting on you not knowing what to do about it.
Maybe you're dealing with pain every single day. Maybe you haven't been able to work. Maybe your family is struggling because the bills keep coming and that settlement offer wouldn't even scratch the surface. The adjuster? They're banking on you feeling desperate enough to take whatever they put in front of you.
That's exactly why I do what I do.
My name is Scott DeSalvo. I've spent close to 30 years working as a trial attorney right here in Chicago. I've been licensed by the IARDC—the Illinois Attorney Registration and Disciplinary Commission—since 1998. Over the course of my career, I've taken more than 30 cases all the way to a jury verdict. I've handled well over 100 arbitrations. And I've trained at Gerry Spence's Trial Lawyer's College, which is widely considered the gold standard for trial advocacy training in this country. All told, I've personally invested more than half a million dollars in advanced courtroom education. Fewer than one in 100,000 attorneys can say the same.
Now, here's something that might surprise you: the best trial attorney isn't necessarily the one itching to go to trial. The best trial attorney is the one who gets you the strongest possible settlement without ever stepping foot in a courtroom. It sounds contradictory, but it's true. The reason it works is simple—when the insurance company knows, without a doubt, that your lawyer is ready and able to try the case in front of a jury, they stop playing games. They make real offers.
That's how I operate.
My dad drove trucks for a living. He was a Teamster. When I was nine, he was catastrophically hurt on the job. Our family spent the next 17 years fighting just to get him the compensation he was owed. And at the end of that nightmare, his own attorney turned around and sued him for more money. That experience shaped everything about who I am as a lawyer. It's the reason I became a personal injury attorney. It's the reason I fight like hell for people who feel like the system is stacked against them—because I grew up watching it happen to my own family.
You don't owe me a dime unless we win your case. Not a single penny out of your pocket. Not now, not later, not ever. I'm available around the clock—call me at 312-500-4500 or shoot me an email at service@desalvolaw.com. The consultation is completely free.
Let me walk you through what it actually takes to win in Chicago.
Every case has its own wrinkles. But when you're going after someone else for causing your injury, things get layered fast. There are several moving pieces that all need to come together, and if any one of them falls apart, it can cost you.
The liability question. Who was actually at fault? Chicago follows what's called comparative negligence. That means a jury can decide you share some of the blame, even if the other person caused most of the harm. Say the jury decides you were 40% responsible—you'd only recover 60% of your total damages. If your lawyer doesn't handle this piece carefully, you leave real money on the table.
The damages question. What is your injury actually worth? Your medical bills are the easy part. But what about your pain? What about lost wages over the rest of your working life? What about the emotional toll the accident took on you and your family? None of those numbers come printed on a receipt. Insurance companies use settlement algorithms and actuarial data to lowball you. They know what juries in Cook County tend to award. They're gambling that you don't.
The causation question. Did the defendant's actions actually cause your injury, or was it something else? Defense attorneys love to point to pre-existing conditions, or argue that you hurt yourself after the accident, or claim the accident was too minor to cause the kind of damage you're describing. Their whole strategy is to muddy the waters.
The evidence question. What can you actually prove? Eyewitness accounts are notoriously unreliable. Medical records are open to interpretation. Expert witnesses are expensive, and they're only useful if they come across as credible. Photos from the scene carry a lot more weight at trial than they do during settlement talks. The strength of your evidence is directly tied to how much leverage you have.
The procedural question. Illinois has very specific rules around discovery, expert disclosures, statutes of limitations, and courtroom procedures. If you miss a single deadline, you can lose the entire case. I'm not exaggerating. I've watched strong cases fall apart because someone missed a filing date or tripped over a procedural rule.
Here's what a lot of lawyers won't admit: the court system tends to favor whoever has more money and more patience. Insurance companies have both. You probably don't. That's why I start preparing for trial from the very first day—not the week before we're supposed to show up in court. I'm already thinking about jury selection, witness credibility, and how to present evidence long before we get anywhere near a courtroom.
Bottom Line: Trial cases demand that your attorney juggle multiple disciplines at once—law, evidence, human psychology, insurance company tactics, and courtroom persuasion. Being smart isn't enough. You need someone with specialized training.
A lot of people assume that the only person who can be held liable is the one who directly caused the injury. That's not always the case. Sometimes there are multiple defendants. Sometimes a company that never laid a hand on you still bears legal responsibility for what happened.
The most obvious defendant is the person who actually caused the harm—what lawyers call the "direct tortfeasor." In a car wreck on the Kennedy or the Dan Ryan, that's the other driver. In a hospital, it might be a surgeon or a nurse. On a construction site, it could be the worker who was running a piece of equipment when things went wrong.
But liability doesn't always stop there. There's something called vicarious liability, which means an employer can be on the hook for the negligent actions of an employee. If a truck driver causes a crash, the trucking company that employed them is liable too—and the company typically carries far more insurance than any individual driver would.
Then there's negligent hiring, training, or supervision. Did the company bring on someone with a known track record of recklessness? Did they skip proper training? Did they fail to keep an eye on things? Each of those failures can create its own basis for liability.
Illinois also recognizes premises liability. If you get hurt on someone else's property—a store, an office building, a restaurant in the Loop—the property owner may be liable if they didn't maintain the space safely or didn't warn you about a known hazard.
Product liability is another avenue. If a defective product causes your injury, the manufacturer, the distributor, and in some cases even the retailer can all be held responsible.
Medical malpractice cases have their own set of rules in Illinois. You can bring a claim against the doctor, the hospital, and sometimes the medical group or facility. But there's a catch: Illinois requires you to file an expert affidavit from another physician confirming that the defendant's care fell below the standard expected of a reasonably competent professional in that same field, under those same circumstances. Without that affidavit, the case doesn't move forward.
Insurance companies understand all of these liability theories inside and out, and they fight each one aggressively. They'll argue the defendant wasn't negligent. They'll push comparative negligence. They'll challenge causation. They'll say damages are inflated. What they're really counting on is that you won't know how to push back.
Bottom Line: Liability often extends well beyond the person who directly caused the injury. Multiple parties may share responsibility. Identifying every liable party takes thorough investigation and a deep understanding of Illinois tort law.
When you file a lawsuit in Illinois—whether it's a personal injury claim, a workers' comp case, or something else—you're walking into a system that, frankly, wasn't built with you in mind. It was built around the interests of insurance companies.
I'll be straight with you: insurance companies do not want to pay you. That's not some conspiracy theory. It's just how the business works. Every dollar they hand over to you is a dollar less in profit. They have entire departments—claims adjusters, defense lawyers, hired medical reviewers, expert witnesses, private investigators—all working toward one goal: paying you as little as possible.
I've seen their playbook a thousand times. Here's what they do.
They drag things out. They delay processing your claim. They take forever responding to discovery requests. They push back deposition dates. They stall settlement talks. The longer the case goes on, the more desperate you get. Bills pile up. You need money. And eventually, you settle for less than your case is worth just to make it stop.
They question your injuries. They bring in their own doctors—people who will say your injuries aren't as bad as your own physicians believe. They comb through your medical records looking for any gap in treatment, then use it to argue that you're "not really that hurt." They'll claim you're exaggerating, or that everything you're dealing with was already there before the accident.
They dig into your personal life. They investigate you. They pull up your social media. They may even send someone to follow you with a camera. Any footage of you lifting a grocery bag, tossing a ball with your kid, or walking without a visible limp—they'll try to use it to undermine everything you've said about your injuries.
They hire hired-gun experts. Not every expert witness is created equal. Some of these people will testify to nearly anything if the check clears. But juries aren't stupid—they can usually tell who's genuine and who's performing. A skilled trial attorney knows how to take those witnesses apart on cross-examination.
They use damage caps to their advantage. In workers' comp cases, benefits are capped by statute. In medical malpractice cases, there are limits on certain kinds of damages. Insurance companies will make sure you know about every single one of those limits and use them to push your expectations down.
They try to stack the jury. Defense lawyers assume most jurors are skeptical of personal injury claims. During jury selection—what lawyers call voir dire—they work hard to seat people who are already inclined to side with the defense. Knowing how to handle that process is a huge part of trial preparation.
Here's the uncomfortable truth most attorneys won't share with you: insurance companies win as often as they do because they're better organized and better funded than individual plaintiffs. But they also win because too many lawyers accept settlements that are way too low. Insurance adjusters know exactly which attorneys will fight and which ones will fold. If you hire someone who doesn't have the skills or the stomach for trial, the other side knows they can settle your case on the cheap.
That calculation changes when the adjuster sees my name on the file. It changes when they know I've trained at Gerry Spence's Trial Lawyer's College. It changes when they know I've taken 30-plus cases to jury verdict. It changes when they understand that I know how jurors in Chicago actually think and make decisions.
Bottom Line: Insurance companies rely on systemic tactics designed to minimize what they pay you. You need a trial attorney—someone with real training, real courtroom experience, and enough credibility to make the other side take your case seriously.
This brings me back to that paradox I mentioned earlier.
Most people figure that hiring a trial lawyer means you'll end up in trial. But in practice, it's actually the opposite.
Here's how it plays out. An insurance adjuster looks at your case and plugs the details into their algorithm. They come up with a number. They make an offer. If your attorney is someone they've never heard of, or someone they know doesn't try cases, the adjuster thinks: "I can lowball this one. This lawyer will probably take whatever we offer." And often, that's exactly what happens.
But when your attorney has a reputation for actually going to trial—when the adjuster respects that person—the math changes completely. Now they're thinking: "If I don't make a reasonable offer here, this case is going to a jury. Trials are expensive. They're unpredictable. Cook County juries can award big numbers. I'd better come to the table with something real."
Being prepared for trial is, at its core, a negotiating tool. It's leverage. And the strongest settlements come from cases where the other side genuinely believes you'll try the case if they don't play fair.
That's exactly why my training matters as much as it does. I've personally spent over $500,000 on advanced trial education. I trained at Gerry Spence's Trial Lawyer's College—widely regarded as the most prestigious trial advocacy program in the country. Spence himself tried more than 200 cases over his career and has taught thousands of lawyers. His program goes deep into jury psychology, persuasion, how to structure a case from the ground up, and the kind of emotional intelligence it takes to move the people sitting in that jury box.
I've also trained at the Keenan Trial Institute. I've completed intensive programs on voir dire, managing expert witnesses, cross-examination technique, crafting opening statements, and drafting jury instructions. Fewer than one in 100,000 lawyers have invested in this level of ongoing education.
When I sit down at a settlement negotiation, the insurance company's attorney already knows what they're dealing with. They know I understand jury dynamics. They know I won't make careless tactical mistakes. They know I can present evidence in a way that resonates with real people. That knowledge, all by itself, moves the needle.
But there's something deeper going on, too. Actual trial experience teaches you things you simply cannot learn from a textbook. You learn how jurors really interpret medical evidence. You figure out which words land and which ones sound like legal jargon nobody trusts. You discover which arguments backfire. You learn how to frame your case so the other side's expert ends up looking foolish—without directly attacking them. You develop a feel for the rhythm of a trial: when to push hard, when to pull back, and when to just let the silence do the work.
All of that translates directly into better settlement negotiations. I know what a jury would likely do with your case. I know the realistic settlement range. I know what a reasonable Cook County jury would award for your specific type of injury. That lets me turn down lowball offers with confidence and back up my counter-offers with actual data.
Here's a hypothetical to make it concrete: Say you're hurt in a car accident on Lake Shore Drive. You've had surgery. You're still in pain. You've missed three months of work. The insurance company offers $45,000. A lawyer without trial experience might look at that and think, "That's not bad. Let's take it." A lawyer who's been in front of Cook County juries—who's seen what they award for injuries like yours—knows that number is roughly 40% of what the case is worth. They counter at $85,000. They lay out the reasoning in writing. They cite jury research. The adjuster knows they can't steamroll someone like that. The case settles at $72,000.
That gap? That's the difference trial experience and training make.
Trial readiness produces better settlements because it represents real leverage. Insurance companies respond to credible threats of trial. My training and track record are that credible threat—and that means a better outcome for you.
"Scott is absolutely fantastic. He will always go the extra mile for his clients. They always take the time to return phone calls at all hours and I highly recommend him to all my friends."
-Melissa Brooks
"Great people and Scott's a great lawyer. They helped me make the wisest decision for my case, and that's important in serious legal matters. I trust him completely. He is the one to call."
-Tony Skvarenina
"Beyond satisfied with the services I received from this law firm. Definitely recommend! They got me fully paid and all the doctor bills, too. If you want the best, this is the law firm for your injury case!"
-Cynthia Rodriguez
"Scott represented me and I was really pleased with everything, my car accident paid a lot and quick. If you want a good Lawyer who is responsive, and straight with you, I highly recommend him."
-Greg Garcia
Let's get into the specifics of what you can actually recover under Illinois law.
Medical expenses. This covers everything—doctor visits, surgeries, hospital stays, physical therapy, prescriptions, medical devices, you name it. You can recover for bills you've already paid and for future medical care you're likely going to need, as long as there's expert testimony supporting that those future costs are probable.
Lost wages. If your injury kept you out of work, you can recover what you would have earned during that time. And it's not just base pay—it includes benefits, overtime you would have picked up, commissions if that's part of your compensation. If the injury has permanently reduced your ability to earn a living, you can recover for that diminished earning capacity over the rest of your career. That number adds up fast.
Pain and suffering. This is the category insurance companies fight hardest on, because there's no neat formula for it. But Illinois law absolutely allows it. The jury considers how severe your pain is, how long it's lasted, how it's affected your day-to-day life, and whether things are likely to improve. The way your pain is presented—through your testimony, your medical records, statements from people who know you—makes an enormous difference.
Emotional distress and trauma. Physical pain isn't the whole picture. If the accident left you dealing with PTSD, anxiety, depression, or a general loss of enjoyment of life, those are real, compensable harms.
Scarring and disfigurement. Visible scars carry real costs—economic and psychological. Illinois law recognizes that and allows recovery for them.
Loss of consortium. If you're married, your spouse may have a separate claim for the loss of companionship, intimacy, and support that your injury has caused. Illinois treats this as a legitimate harm.
Property damage. If a vehicle or personal property was damaged in the incident, you're entitled to the full cost of repair or replacement.
Punitive damages. In rare situations where the defendant's behavior was willful, wanton, or reckless, Illinois allows punitive damages. These go beyond compensating you—they're meant to punish the defendant and discourage similar conduct. You'll only see punitive damages when the evidence shows truly extreme misconduct.
A few things you generally won't recover: inflation adjustments (unless specifically awarded), attorney fees (those come out of your contingency), or pre-judgment interest—though post-judgment interest does accrue automatically under Illinois law.
The insurance company will push back on every single one of these categories. They'll say your pain and suffering claims are overblown. They'll argue future medical costs are speculative. They'll bring in their own economists and medical experts to testify to lower figures. Countering all of that takes your own experts, a compelling presentation, and the kind of credibility that only comes from real trial experience.
Recoverable damages include medical expenses, lost wages, pain and suffering, emotional distress, scarring, loss of consortium, and property damage. Getting the full value of what you're owed requires experienced, aggressive advocacy.

The first step is simple: pick up the phone. Call me at 312-500-4500. That's my direct number. Or send me an email at service@desalvolaw.com. I'm available 24 hours a day, 7 days a week, every single day of the year. You won't get a voicemail. You'll talk to me.
The initial consultation is free. I'll listen to what happened. I'll give you my honest take on what your case might be worth and what you'd be up against. I'll tell you about the strengths and the weaknesses—no sugarcoating. I'm not going to promise you a specific dollar amount, because that would be irresponsible. But I will give you a clear-eyed, realistic assessment.
If I take your case, we work on a contingency fee basis. That means you don't pay me anything. No money out of your pocket—not now, not during the case, not unless we win. My fee comes from the recovery. For personal injury cases, I typically charge 33%. For workers' compensation, 20%. For litigation, 40%. For medical malpractice, 33%. Those numbers can be adjusted depending on the specifics of your situation.
What happens after that depends on the type of case you have.
Personal Injury: I'll file a claim with the at-fault party's insurer and demand a full investigation. If needed, I'll bring in investigators. We'll gather medical records, police reports, witness statements, and expert opinions. We build the file over time. Most of these cases do settle—the insurance company makes offers, I evaluate each one against what the case is realistically worth, and we negotiate. If they refuse to come to the table with a fair number, we prepare for trial. Filing a lawsuit kicks off the formal discovery process—depositions, interrogatories, document requests. That's when both sides really get to see what the other one has. A lot of cases settle during discovery or right before trial.
Workers' Compensation: This works differently from a typical personal injury case. You file a claim through your employer. There's an administrative process rather than a traditional lawsuit. You have certain rights under the statute, and the insurance company will do everything they can to limit your benefits. My job is to fight for the maximum. If the case is contested, there's a hearing before an arbitrator where we present evidence and make our arguments. Workers' comp benefits are more predictable than PI awards, but they're also more limited—there's no pain and suffering component. But there are disability benefits, medical benefits, and vocational rehabilitation.
Medical Malpractice: These cases require an expert affidavit from another doctor confirming that the defendant breached the standard of care. That's an Illinois-specific requirement, and it has to be in place before the case can proceed. I have relationships with qualified experts across most medical specialties, so we can get the right person involved early. Medical malpractice cases are complex, expensive, and they take time—often years. But when there's clear malpractice and a significant injury, the potential recoveries can be substantial.
Throughout the entire process, here's what you can expect from me:
I keep you in the loop. You'll know what's happening with your case and what settlement offers are on the table. And at the end of the day, you make the call on whether to accept a settlement—not me. I advise. You decide.
I don't pressure you to settle early just so I can collect a fee. If the right move is to hold out for a better number, that's what we do. If it means going to trial, we go to trial.
I'm upfront about timelines. Some cases wrap up in a few months. Others take years. I'll set expectations early so there are no surprises.
And I'm accessible. You can call me. You can email me. I respond.
Call 312-500-4500. Free consultation. Contingency fee. No money out of your pocket. If I take your case, I'll fight for every dollar you're owed.
Q: How long does a personal injury or trial case typically take to settle?
There's no one-size-fits-all answer. Some cases settle in 6 to 12 months. Others take 2 to 3 years. A handful stretch even longer than that.
The timeline depends on a bunch of factors: how complicated the liability question is, how many defendants are involved, whether experts are needed and how quickly they're available, how willing the insurance company is to negotiate in good faith, and whether we end up needing to take the case to trial.
When liability is clear and the insurer wants to avoid trial, early settlement is absolutely possible. Disputed cases take longer because both sides need to go through the discovery process to understand the evidence.
If the case does go to trial, expect to add another 6 to 18 months. There's the lawsuit filing, discovery, expert retention, and trial prep to get through. And Cook County's court calendar is busy, so trial dates often get pushed back.
I always push to move things along efficiently, but I never rush the process. A slower, more thorough approach that produces a fair result beats a quick settlement that leaves money on the table every time.
Q: What's the difference between settling and going to trial, and will it cost me more if we go to trial?
The vast majority of cases—probably around 95%—settle before they ever reach a jury. But the possibility of trial is exactly what motivates fair settlements in the first place.
Going to trial doesn't cost you more out of pocket, because we work on contingency. My hours go up, and case expenses like expert fees, deposition costs, and investigation costs may increase. But none of that comes from your wallet. Those costs are deducted from the recovery.
The real trade-off is this: settling is faster and more predictable. Trial takes longer and carries more uncertainty. A jury could award you more than what was offered in settlement, or they could award less. There's always a degree of risk.
What a lot of attorneys won't mention is that trial is risky and expensive for the insurance company too. That's leverage. If the other side knows I'm prepared to go the distance—and believe me, they do—they're more likely to offer a fair number to avoid that risk.
Q: If I'm partially at fault for the accident, can I still recover in Illinois?
Yes, you can. Illinois uses what's called comparative negligence.
Here's how it works in practice. If the jury decides you were 30% at fault and the defendant was 70% at fault, and your total damages are $100,000, you'd recover $70,000. Your share of the fault reduces your recovery proportionally.
There's one critical threshold to know about, though. If you're found to be more than 50% at fault, you recover nothing. That's the line. Illinois calls it "modified comparative negligence" or sometimes the "49% rule." You can be up to 49% responsible and still get a recovery. At 50% or above, you're out.
Naturally, the insurance company will do everything it can to inflate your share of the blame, because that directly reduces what they owe. My job is to either minimize your comparative fault or demonstrate that your actions weren't negligent at all.
Q: What happens if I've already been offered a settlement before hiring you?
Bring it to me and let me take a look. I'll evaluate whether the offer is fair or whether we should push for something better.
One piece of advice: don't accept a settlement offer until you've spoken with an experienced trial attorney. Some offers include release language that lets not just the at-fault party off the hook, but other potentially liable parties too. Some are structured in ways that create unexpected tax consequences. And some are simply lowball numbers that a more experienced lawyer can significantly improve.
If you've already signed, there may be limited options to set the agreement aside—particularly if you signed before consulting an attorney. But it's not always a closed door. The sooner you talk to me, the better.
Q: What are some Illinois-specific legal issues that could affect my recovery?
Great question. There are a few that come up regularly.
The affidavit requirement in medical malpractice. I touched on this earlier, but it's worth emphasizing. In Illinois, you can't sue a healthcare provider for malpractice without filing a detailed affidavit from another healthcare provider who confirms the defendant fell below the standard of care. There's a strict deadline for this filing after suit is brought. Miss it, and your case gets dismissed. No exceptions. That requirement doesn't exist in every state, but it's the law here, and it's one of the biggest hurdles in malpractice cases.
The workers' compensation exclusivity bar. If you're hurt on the job, you generally can't turn around and sue your employer in civil court. You're confined to workers' comp benefits. However, you may be able to sue a third party—someone other than your employer. For instance, if a defective product injured you at work, you can go after the manufacturer. If someone else's negligence caused the accident, you can sue them. But your employer is off-limits. Illinois is firm on this, and a trial attorney needs to understand which defendants are fair game and which are protected.
The Structural Work Act. Illinois has a specific statute that addresses injuries caused by defects in buildings or machinery. This law creates particular duties for property owners and contractors, and understanding how it applies is critical in any construction injury case.
These are the kinds of nuances that can make or break a case. An attorney without deep experience in Illinois law might overlook them entirely.
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Scott DeSalvo founded DeSalvo Law to help injured people throughout Chicago and surrounding suburbs. Licensed to practice law in Illinois since 1998, IARDC #6244452, Scott has represented over 3,000 clients in personal injury, workers compensation, and accident cases.
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