What is Insurance Policy Stacking?
What is insurance policy stacking in a Maryland injury case? Insurance policy stacking means trying to combine available coverages to increase the total amount recoverable after a crash. In Maryland, standard uninsured and underinsured motorist coverage generally cannot simply be stacked together that way. That is why policy limits, coverage elections, and whether enhanced underinsured... Read more »
Can I Collect That Judgment? What is a Garnishment?
Can you collect a Maryland judgment through garnishment? Sometimes, yes. A garnishment is a court collection procedure used after judgment to reach wages or, in some situations, money held by a bank or another third party for the judgment debtor. But a judgment does not pay itself, and a large verdict can still be difficult... Read more »
Can I Collect on My Judgment? (Execution, Levy, and Real Recovery)
Winning a judgment does not guarantee payment. The main issue is whether the defendant has income or assets that can be reached. The next issue is choosing the correct enforcement method, such as garnishment or execution against property. TL;DR — Collecting a Judgment in Maryland Why a Judgment Does Not Guarantee Payment A judgment is... Read more »
The Disappearing Motorist
This is not truly a situation involving a ‘hit and run“, or at least it is a variant on that theme. Perhaps this situation can be though of as a ‘delayed hit and run’. In other words, the person responsible for the accident stays at the scene, but later disappears, at least for all intents... Read more »
Uninsured Motorist Insurance Coverage
What is uninsured motorist coverage? Uninsured Motorist coverage is considered “first party” insurance. Like health, or perhaps disability insurance, it is your insurance. You pay the premiums. You have a policy with your insurance company. Your insurance company owes you some duties of fair dealing. And, if a loss happens, you can look to your... Read more »
How Much Will I Get For My Baltimore Injury Or Auto Accident Case?
How Much Will I Get for My Baltimore Injury or Auto Accident Case? Direct Answer: The value of a Baltimore injury case is determined by a combination of past and future medical expenses, lost wages, and non-economic damages such as pain and suffering. However, your “net” recovery—the amount you actually take home—is a more accurate... Read more »
If I Can’t Work After A Car Accident, Can I Recover My Lost Wages?
Can You Recover Lost Wages After a Baltimore Car Accident? Yes. If a Baltimore car accident keeps you from working, lost wages can be part of your injury claim. That may include time completely missed from work, reduced hours, reduced duties, or a long-term loss of earning ability if the injury changes your work life... Read more »
If I Was Driving Without Insurance and Involved in a Maryland Car Accident, Can I Recover Compensation?
Yes—if you did not cause or contribute to the accident, your lack of insurance does not, by itself, prevent you from recovering compensation. The real problem is not eligibility to recover. It is the loss of first-party benefits and the impact of Maryland’s contributory negligence rule. Main risk: even a small degree of fault can... Read more »
What Type of Claim is Covered by Uninsured Motorist Insurance Coverage?
The law requires that all insurance policies written and issued in Maryland contain uninsured motorist coverage. This type of insurance coverage can apply to a variety of different situations- not all of which are defined in the policy of insurance. Uninsured motorist coverage is mandatory under Maryland law- unless the individual purchasing the insurance, in... Read more »
What Is Baltimore, MD Uninsured Or Underinsured Motorist Coverage?
What Is Baltimore, MD Uninsured or Underinsured Motorist (UM/UIM) Coverage? Direct Answer: Uninsured and Underinsured Motorist (UM/UIM) coverage is a first-party insurance benefit that protects you when an at-fault driver has no insurance or insufficient limits to cover your total losses. While they are defined under the same Maryland statute, they serve two technical functions:... Read more »
