Hurt in an Aurora crash?
Stop talking to insurance.
We’ll handle the whole case.
Our Aurora team takes over from day one — police report, insurance fight, medical care coordination, attorney consult. One call, real person, 24-hour callback.
Takes 2 minutes — we call you back, not the other way around.
- Local Aurora team
- Free — no fees, ever
- 24-hour callback promise
24-hour callback
Real person answers, not voicemail
Local IL team
Aurora / Chicago metro coverage
Illinois statute help
Lien cap, MED-PAY, comparative fault
$0 upfront cost
You only pay if your case wins
Right after an accident
What to do, in order. Save your phone for #1.
If you just had a crash and you’re reading this, here’s the plan. Move down the list. We’re step four — you can call us as soon as you’re safe.
First — if anyone is hurt
Call 911. Then a doctor, even if you feel okay.
Adrenaline masks injuries for hours. Whiplash, concussion, internal soft-tissue damage — they often don't show up until the next morning. ER, urgent care, or your primary doctor: get seen the same day. The medical record is what protects you later.
At the scene
Photos of everything. Then a police report.
Both vehicles from four angles, license plates, the road, the intersection, traffic signals, debris, your injuries if visible. Then call APD (or Kane Sheriff / DuPage Sheriff / ISP / Naperville PD depending on where you are). Always file a report — even for a minor fender-bender.
Within 24 hours
Don't talk to the other party's insurance.
Their adjuster will call within a day. Be polite, take their name and claim number, and say: "I'm not ready to make a statement yet — I'll call you back." Then call us. Anything you say to them — even "I'm okay" — can be used to reduce your settlement.
Same day or next morning
Call us. We take it from there.
One call. Our team retrieves your police report, talks to both insurance companies, lines up doctors who see accident patients without out-of-pocket costs, and tells you straight whether your case needs a lawyer. Free, no commitment.
Within 2 years (Illinois statute)
Don't sit on it.
Illinois gives you two years to file a personal-injury claim. Sounds like a lot — but evidence fades, witnesses move, your medical record gets harder to connect to the accident. The earlier we're involved, the cleaner your case stays.
Need help right now?
Real person, 24-hour callback promise. Free.
How we handle your case
Five things we do, so you don’t have to.
Most people who’ve been in a crash try to handle it themselves and end up overwhelmed inside a week. That’s the gap we close.
01
We get the police report
Our team retrieves your accident report from APD, Kane County Sheriff, or ISP — whichever agency responded. You don't fill out a single form.
02
We talk to insurance for you
Adjusters call us, not you. We document everything, push back on lowball offers, and don't let the other party's insurance bait you into a recorded statement.
03
We coordinate medical care
If you need a doctor and don't know where to start, our team coordinates with Aurora-area providers who see patients on lien — no out-of-pocket up front.
04
We bring in an attorney if you need one
Not every case needs a lawyer. If yours does, we hand you off to a vetted Illinois PI attorney — and you stay in control. No engagement letter unless you sign it.
05
We see it through to resolution
Settlement, medical bills, lost wages, vehicle repair — we stay on it until everything that should be handled is handled.
What we handle FOR you
The list of things you don’t have to figure out.
- Dealing with insurance adjusters — yours and theirs
- Pulling your police report from APD, Kane County Sheriff, ISP, or whoever responded
- Connecting you with Aurora-area doctors who see accident patients on lien
- Documenting your medical bills + lost wages so nothing slips through
- Navigating Illinois-specific paperwork (statute of limitations, fault rules, MED-PAY)
- Telling you straight when you don't need an attorney
What NOT to say to insurance
Six things that quietly cost people money.
Adjusters are professionally friendly. They’re also keeping notes that get used months later. None of this is sneaky — it’s just how the industry works. Knowing it ahead of time is the whole game.
- 01
Don’t say
"I'm fine" or "I'm not hurt."
Said five times in the first 24 hours by almost everyone. The adjuster's note from that call gets used six months later when your back is still hurting and you've seen three doctors. "Claimant stated she was fine at the scene" is a settlement-killer.
What to say instead: Say: "I'm getting evaluated. I'll let you know after the doctor looks at me."
- 02
Don’t say
Anything that sounds like an apology.
"I'm so sorry" — even just being polite at the scene — gets transcribed as an admission of fault. Illinois is a modified-comparative-fault state, which means your settlement is reduced by your share of blame. Don't hand them ammunition.
What to say instead: Trade names, phone numbers, insurance, and license plates. Skip the small talk.
- 03
Don’t say
Yes to a recorded statement.
The other party's insurance will call within 24-48h and ask permission to record. They use a friendly tone. The recording is then transcribed and parsed for any inconsistency they can use to reduce or deny the claim. You are not legally required to give one.
What to say instead: Say: "I'm not ready to give a statement yet. I'll call you back when I am." Then call us before you do.
- 04
Don’t say
A guess about speed, distance, or time.
"I think I was going about 30" — adjusters log it as fact. If the actual speed was 25, you've now contradicted the police report. If it was 35, you've admitted to speeding. Memory is unreliable in the hours after a crash; don't put numbers on the record.
What to say instead: "I'd rather not estimate. The police report has the details."
- 05
Don’t say
Yes to signing a medical authorization.
A blanket release lets the other party's insurance pull your full medical history — including any pre-existing condition they can argue caused your current pain. They will use it to reduce your settlement.
What to say instead: Sign nothing without showing it to us first. We'll tell you what's safe to release and what's not.
- 06
Don’t say
Yes to the first settlement offer.
First offers are routinely 30-60% of what the case is worth. Insurance counts on you needing money fast and not knowing what's reasonable. Once you accept, you can't reopen the claim — even if your medical bills double next month.
What to say instead: Tell them you'll review and get back to them. Then send the offer to us and we'll tell you straight whether it's fair.
Your rights as an Illinois accident victim
Six things insurance hopes you don’t know.
Plain English, with the actual statute citations. Bookmark this page or screenshot it — you’ll want to reference it the next time someone tells you what you do or don’t have to do.
01
You have 2 years to file.
Illinois sets a two-year statute of limitations on personal-injury claims after an auto accident. Miss that window and your claim is dead, no matter how strong it was.
735 ILCS 5/13-202
02
Partial fault doesn't kill your claim.
Even if you were partly to blame, you can still recover damages — your settlement is just reduced by your share of the fault. The catch: if you were more than 50% at fault, you recover nothing. Most accidents don't come close to that line.
Illinois modified comparative fault rule, 735 ILCS 5/2-1116
03
Your own insurance has to pay first (MED-PAY).
If you have Medical Payments coverage on your IL auto policy, it pays your medical bills regardless of fault — usually $1K to $10K. You don't have to wait for the other party's insurance to admit liability. Many drivers don't know they have it.
Illinois Compiled Statutes, 215 ILCS 5/143a
04
You can refuse a recorded statement.
The other party's insurance has no legal authority over you. They cannot record you without your permission. You don't owe them a statement, an interview, or access to your medical history. A friendly "no" is enough.
Common-law right; reinforced by IL Insurance Code § 154.6
05
You can negotiate hospital bills.
Illinois has a hospital lien law that lets hospitals attach your settlement — but they can only claim up to 40% of it. After that, the lien is unenforceable. Most accident victims pay the full bill not knowing this. We catch it before settlement.
Illinois Health Care Services Lien Act, 770 ILCS 23
06
You don't pay an attorney unless they win.
If your case needs a lawyer, the PI attorneys on our team work on contingency — they take a percentage of the settlement only if they recover money for you. You pay nothing out of pocket, ever. Walk away whenever you want.
Standard PI contingency fee, IL Rule of Prof. Conduct 1.5(c)
Statute references are accurate as of 2026 and provided for educational purposes only. They are not a substitute for advice from a licensed attorney about your specific situation. Mindrobo is a lead-referral and case-management service, not a law firm.
What this costs you
Nothing. They don’t get paid until you do.
The reason this all sounds too good is that the cost lives somewhere else — in the contingency fee a partner attorney takes from a settlement, and only when there isa settlement. Here’s the full money picture:
Free for you, always — we don't bill you a dollar.
If your case needs a lawyer, the partner attorney works on contingency — they take a percentage of the settlement only if they recover money for you.
If your case doesn't need a lawyer, we still help you with the police report, insurance, and medical referrals. Still free.
If we can't help, we'll tell you straight — no upsell, no pressure, no fine print.
Contingency-fee arrangement is between you and the partner attorney directly — we don’t take a cut of any settlement. Mindrobo is paid by the attorney network when a case is a fit, never by you.
Real Aurora cases
What people say after working with us.
These are the experience we focus on — taking the load off, listening, telling you straight whether you need a lawyer or not.
“They handled the insurance calls so I could rest. I was on muscle relaxers for two weeks — I shouldn't have been on the phone with adjusters.”
“I didn't know what I was supposed to do after a hit-and-run. They walked me through the police report, the insurance claim, and which doctor to see. One conversation and the whole next week was less terrifying.”
“Honestly, I called expecting a sales pitch. Instead someone listened for fifteen minutes, asked good questions, and told me my case probably didn't need a lawyer. That's what got me to trust them.”
“When my insurer started pushing back on the medical bills, I sent them straight to Mindrobo. The pressure dropped off the same week.”
Customer quotes. Some details have been anonymized for privacy. Mindrobo is a lead-referral and case-management service, not a law firm. Quotes describe the experience of working with our team and do not represent or imply specific legal outcomes. Every case is different.
Why drivers choose us
We’re not the same as calling a lawyer directly.
Most accident-help is built to capture a lead and pass it on. We’re built around the part of your day that’s actually broken — the calls, the paperwork, the medical follow-up.
Free, on us — not on you.
Our service is paid by the attorney network when a case is a fit, not by you. You'll never see a bill from us. Period.
We tell you when you don't need a lawyer.
If your case is straightforward and you don't need representation, we say so. We'd rather lose your file than waste your time and an attorney's.
We handle the medical and insurance side too.
Calling an attorney directly leaves you on your own with the rest. We coordinate everything that touches your accident — not just the legal piece.
One conversation, then a callback.
You don't have to chase us. You don't sit on hold. You don't talk to four different intake people. One real call, then we get to work.
Our Aurora team
Not a call center. Not an algorithm.
Aurora Accident Services is part of Mindrobo’s nationwide accident-help network. The team handling your case is local to Illinois and works directly with Aurora-area attorneys, doctors, and insurance contacts.
We talk to dozens of accident victims a month. The same person who picks up your call is the one who follows your case through. When we say “real person, 24-hour callback” we mean it — that’s the only promise we hold ourselves to publicly, and we keep it.
Common questions
Things people ask before they call us.
Get started
Tell us what happened. We’ll take it from there.
Two minutes. We call you back — you don’t chase us. No pressure, no commitment, no charge.
Tell us how to reach you
By providing your number, you consent to a callback from our partner attorney within 24 hours.