Maryland Accident Lawyer Blog

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 by Laura G. Zois | Permalink | Email This Post

Posted In: Uninsured Motorists

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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 by Laura G. Zois | Permalink | Email This Post

Posted In: Car Accidents , Truck Accidents , Uninsured Motorists

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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 by Laura G. Zois | Permalink | Email This Post

Posted In: Uninsured Motorists

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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 by Laura G. Zois | Permalink | Email This Post

Posted In: Car Accidents , Truck Accidents , Uninsured Motorists

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The Maryland Injury Lawyer Blog has a post about difficult dealings with an Erie Insurance adjuster.

Most insurance adjuster are decent people and it is just as hard to make generalizations about insurance adjusters anymore than it is about doctors or lawyers or Indian chiefs. In September, I'll have the opportunity to visit State Farm for settlement day where we will attempt to settle our outstanding State Farm cases in a single day. We did the same thing a few years ago (I blogged about State Farm Settlement Day here.) It is a nice opportunity to meet adjusters and put a human face on our dealings with State Farm.

Posted by Laura G. Zois | Permalink | Email This Post

Posted In: Uninsured Motorists

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