Law Offices of Randolph Rice
ADDRESS :
1301 York Rd #200, Lutherville Timonium, MD 21093
PHONE NUMBER : (410) 929-8241
PHONE NUMBER : (410) 929-8241
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Hours
Monday
9:00 AM to 5:00 PM
Tuesday
9:00 AM to 5:00 PM
Wednesday
9:00 AM to 5:00 PM
Thursday
9:00 AM to 5:00 PM
Friday
9:00 AM to 5:00 PM
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Legal - Law Firms
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Car Accident Insurance Claims in Maryland
When you are in a car accident, the last thing that you want to
worry about is dealing with your insurance company. The harsh
reality is that all drivers in an accident will have to deal with
their insurance company following an accident.
Filing an insurance claim should be a relatively easy process.
Sadly, many times it is not. Car accidents and insurance claims
follow the "at-fault" system in Maryland. This means that your
claim must prove the other driver was at fault before you can
recover money for damages. After proving the other driver is at
fault, you can recover compensation by either:
Filing claim with your insurance company;
Filing a claim with the other driver's insurance company; or
a lawsuit against the other driver
FILING A CLAIM WITH YOUR INSURANCE COMPANY
You pay for insurance for coverage in the event of an accident.
Therefore, it's important that you take advantages of the
services you pay for. When filing a claim with your insurance
company, follow these basic steps:
Follow the company's directions. They will tell you what
information you will need to provide.
Avoid discussing any injuries or even your health.
Provide insurance company with the information requested with
regards to time and place of the accident, circumstances
leading to the accident, weather conditions, any names and
contact information obtained, and photos.
Keep records of any and all accident-related expenses such as
repairs and medical expenses.
Consult a skilled car accident attorney if you receive any
settlement offer.
DEALING WITH THE OTHER DRIVER'S INSURANCE
COMPANY
An insurance company's goal is to avoid paying out money.
Therefore, the other driver's insurance company will be
attempting to pay out the smallest possible settlement, if they
pay out any money at all!
You are not required to speak to the opposing party's insurance
company. You have no obligation to provide any recorded
statements. Make sure to direct them to your insurance company
or your attorney.
FILING A LAWSUIT TO RECOVER DAMAGES
Your claim may be denied or you may not receive full
compensation for your injuries. Whenever this is the case, you
should consider filing a lawsuit to recover damages.
Filing a lawsuit will trigger a lengthy legal process. Although
you may end up recovering more in damages, it may require
several months if not years to receive your compensation.
Maryland law requires drivers to maintain insurance policies to
cover personal injury. The personal injury protection (PIP)
must cover at least $2,500. This small amount may not be enough
to cover all of your accident-related injuries. A lawsuit
allows an injured party to seek additional compensation for
expenses such as lost wages, pain and suffering, and medical
bills.
WHAT IS CONTRIBUTORY NEGLIGENCE?
Maryland drivers are able to recover damages so long as they
are not partially at fault for their own injuries and damage.
Maryland implements the "contributory negligence" theory. Under
this theory, which was
recently upheld in court, a driver is completely barred
from recovery if he or she was even one percent at fault.
Therefore, determining fault is imperative in Maryland car
accident cases.
GET HELP FROM A BALTIMORE
CAR ACCIDENT ATTORNEY TODAY
If you have been in a car accident, the Law Offices of Randolph
Rice can help you recover just compensation. We understand the
complexities and stresses of dealing with insurance companies.
We will carefully review the facts of your case in order to
ensure that we help you recover the compensation you deserve.
Schedule an initial consultation by calling 410-288-2900 today.
CONTACT:
Law Offices of Randolph Rice
1301 York Rd #200
Lutherville, MD 21093
Phone: (410) 929-8241
Fax: (410) 288-2988
Toll Free: 800-470-7423
Email: info@ricelawmd.com
Website: http://ricelawmd.com
