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Articles Posted in Insurance

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WHAT TO EXPECT WHEN YOU’RE SUING, PART I: PRE-SUIT SETTLEMENT

So you’ve been injured in a Maryland automobile collision, and you want to get a settlement or verdict. What can you expect from the process? How long does it take? When will you get your money? There are two possible phases–the steps leading up to a pre-lawsuit settlement, and the…

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WHAT HAPPENS WHEN THERE IS LIMITED INSURANCE AND MULTIPLE VICTIMS?

In some Maryland auto accidents, there is simply a limited insurance available. We see this frequently in bus accident cases and collisions involving multiple vehicles. If there are many people with injuries, the at-fault driver’s insurance policy may not be large enough to pay for those injuries. How is the…

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Proving Permanent Injuries

A permanent injury lawsuit is different from a garden variety injury case. In most cases (which are typically filed in the district courts), there is a car accident, an injury, discrete treatment for a up to about 6 months, and then the victim has fully recovered. In a permanent injury…

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Frivolous Lawsuits

As a nation, we are concerned with ambulance-chasing lawyers, frivolous lawsuits, and the increased costs of doing business. Much of the dialogue, however, comes from insurance companies, big-business, and soundbyte-seeking media. Of course, lawmakers get into the act. A North Carolina bill recently proposed limiting lawsuits under certain circumstances, including…

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Charles Village Street Collapse: Who is Responsible?

I lived in Charles Village for most of Maryland life–we recently moved to Hampden, but Charles Village was where I lived during law school, two apartments, my first new home, and the infancy of our oldest daughter. By now, everyone knows about the collapse of the street at 26th Street…

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Value of Your Maryland Car Accident Case, Part 8: Attorneys’ Fees & Expenses

The final piece of the puzzle is the attorneys’ fees. Attorneys’ fees don’t have anything to do with the full value of the case, but they have more to do with your take-home–with the final net value of your settlement. There are a number of different types of attorneys’ fees…

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Value of Your Maryland Auto Accident Case, Part 7: Health Insurance and Medical Reductions

Payment of your medical bills is an important issue in a Maryland automobile collision case. There are a few possibilities: You pay out-of-pocket You pay with health insurance, Medicare or Medical Assistance You pay with PIP (personal injury protection) You don’t pay, and the bills are still outstanding Some combination…

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Value of Your Maryland Auto Accident Case, Part 6: Personal Injury Protection (PIP)

Personal injury protection (PIP) is insurance that comes from the car you are in when you are hurt. It is sometimes referred to as no fault, and if you have PIP coverage it will provide benefits regardless of whether you caused the accident, or the accident was caused by someone…

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Value of Your Maryland Auto Accident Case, Part 4: Non-Economic Damages

We’ve discussed how the strength of your case (liability and negligence) affects your case value, and we’ve discussed how the economic damages, like medical bills and lost wages, impacts your case value. Now we’ll talk about non-economic damages. Most people think of non-economic damages as “pain and suffering.” Each state…

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