Posted On: October 15, 2008

Last Clear Chance Doctrine

I wrote a Maryland Injury Lawyer Blog post about property damage claims and a property damage dispute my Dad had a year or so ago. I received a comment explaining to me that the defendant's insurance company was asserting the last clear chance doctrine.

Thanks for the comment which comes with a "that's what I would expect from a PI lawyer" smear. And it sounds, right. Last clear chance sounds like something you would expect to come out of the mouth of an insurance company accident lawyer, right?

But no. In Maryland, the "last clear chance" is not a defense asserted by
the defendant. Instead, it is asserted by Maryland accident lawyers on behalf of accident victims. It is asserted by plaintiffs. Las clear chance is a defense to a defendant's claim that the plaintiff was contributorily negligent. In Maryland, contributory negligence is generally a bar to recovery.

But the last clear chance doctrine allows a contributorily negligent accident victim to recover a financial award if: (i) the defendant is negligent; (ii) the plaintiff is contributorily negligent; and
(iii) the plaintiff makes a showing of something new or sequential, which affords the defendant a fresh opportunity (of which he fails to avail herself or himself) to avert the consequences of his own original negligence.

This doctrine of last clear chance has been the generally unchanged law in Maryland over the last 140 years.

Posted On: October 14, 2008

Maryland Uninsured Motorist Statute

Car insurance is mandatory thoughout the country, including Maryland. Yet you would be amazed how many uninsured motorist claims we see every week. As many as 20% of Americans do not have any type of car insurance. The numbers in Maryland have not been estimated in years (that I have seen, anyway) but while not approaching that figure, the number is still too high.

In Maryland, the legislature made uninsured motorist coverage mandatory in 1975.
Click on the following link to read the primary statute in Maryland covering uninsured motorist claims.

Posted On: October 14, 2008

Insurance Company Provided Rental Car: How to Get One in an Accident Case

Most car accidents occur with injuries. Maryland accident lawyers typically do not get involved in such cases, leaving accident victims to deal with handling the property damage claim and getting a rental car themselves.

Convincing the insurance company to provide a rental car is a hassle in some Maryland accident case, even if you have a lawyer much less without. This article on getting a rental car from the insurance company after an accident provides a few thoughts for those of you who are traveling solo without a Maryland accident lawyer.

Remember that one good way to take this issue out of play in the further is to purchase rental reimbursement coverage. It costs very little - only $12 a year under most auto insurance policy but it is an investment worth making.

Posted On: October 7, 2008

Packaging Clients Together in Demand Package: Be Careful to Get Full Value and to Avoid Conflicts

It cannot be said enough that you will not get maximum value for each of your clients if they are discussed as a package deal, even if they are family members, friends or even spouses. Each time you have a discussion with an adjuster regarding a particular “accident”, you should be very careful to conclude discussion of one client before starting to talk about another. The adjuster will want to lump them together, pitting one against the other. She will say derogatory things about one claimant, and then state her feelings that the other one is even worse. (She also will have in the back of her mind a joint ‘figure’ she wants to offer for these claims.) Make sure you clearly end discussion of one client before starting to discuss another. “All right now, moving onto Client B.” Make sure you do not compare and contrast the injuries or lost wages of the two. Each client deserves your independent negotiation and attention. Pay careful attention if the adjuster has an inability to discuss the clients separately. Make note of this and, if necessary, make separate telephone calls for each client or even have separate lawyers in your firm make the calls on behalf of each client (but be sure to keep in touch with each other on the status of the negotiations). You may also want to settle one claim completely before tackling another.

Posted On: October 7, 2008

Pay to Play Statute in Maryland Underinsured Motorist Claims

Maryland. Insurance Code Ann. § 19-511 gives Maryland accident lawyers a weapon in forcing decide what they are going to do about subrogation against the at-fault defendants. Maryland lawyers call this law the "pay to play" statute. The statute mandates that when the liability carrier tenders a policy limits offer, the underinsured motorist carrier - the client's own insurance company - has 60 days to whether to allow the at-fault driver's insurance company to pay on the claim, which means they waive subrogation against the at-fault driver. If they do not waive subrogation, the UIM insurance company must pony up the amount of the offer. But in doing so, they retain their subrogation rights, i.e. they can go after the driver individually for any payments that are made. Thus, the title "pay to play."

Posted On: October 7, 2008

Bankruptcy Court: How Does the Maryland Accident Lawyer Navigate

The Baltimore Injury Lawyer Blog has a post today on navigating the waters when you have a bankrupt defendant.

Posted On: October 7, 2008

When to Name Expert Witnesses in an Accident Case

Car accident lawyers fighting for injured victims have an uphill battle to climb in many respects. Public opinion has turned on victims in 2008 and judges and juries often assume when a car accident victim walks in the door that he/she is exaggerating their injuries.

So smart Maryland accident lawyers take the benefits that the system does provide for their clients. A big advantage plaintiffs’ lawyers have is that they are better able to dictate the pace of the progression of a case.

Some Maryland accident lawyers squander this great opportunity by failing to fully load the gun before firing it by filing a accident lawsuit. When filing a lawsuit, our accident lawyer serve the defendant with the Complaint, Interrogatories, Requests for Admission, Request for Production of Documents and Expert Designation. It is more work and requires you to be more proactive but helps you down the road - it is one more deadline you will need to meet down the road. In this regard, the road to legal malpractice is paved with lawyers who missed expert deadlines.

Still, make sure you put deadline to name experts on your discovery calendar and later check the designated experts to make sure you do not need additional experts for trial. Often, at the beginning of a case you will not believe you will require the testimony of an economist or a vocational rehabilitation expert, but you later find out that you do. Similarly, if your client is still suffering treating, you might need to name additional treating doctors.

Posted On: October 7, 2008

Handling Personal Injury Claims Without a Lawyer

It is generally not a good idea to handle a personal injury claim without a lawyer. But there are exceptions and, either way, many injury victims are going to proceed without a lawyer. If you find yourself in this situation, here are some thoughts on handling a personal injury case with the insurance company without a Maryland accident lawyer.

Related Article:

Handling Property Damage Claims Without a Lawyer

Posted On: October 3, 2008

AIG Claims in the New Era

The Maryland Personal Injury Lawyer Blog has a post about how accident lawyers should view the debacle at AIG in considering their client's AIG claims.