Can I Recover More Than The At Fault Driver Has For Insurance? What is an Excess Judgment?
The answer is “yes”, but it’s not easy. One scenario is the “excess judgment”. For example, assume your Baltimore car accident case goes to trial, and you receive $40,000, and the defendant was insured for $30,000. The insurance company for the defendant pays the $30,000. But by the terms of the policy, that is the... Read more »
Can I Collect That Judgment? What is a Garnishment?
We’ve discussed in other chapters the bane of Baltimore personal injury litigation, for victims and lawyers alike– the uninsured defendant. The same sort of frustration can set in where there is limited insurance, and a sizeable excess judgment above the policy limit. As Attorney Eric T. Kirk will tell you. There are more than a few... Read more »
Can I Collect on My Judgment? What Are Execution and Levy?
We’ve discussed in other chapters that the presence and amount of insurance is a major factor in determining the worth of a case, as a case against an uninsured person may be worth nothing at all. Having a piece of paper saying someone owes you money, is something much different from actually having that money.... Read more »
Do I Report My Car Accident Claim and Who Do I Report It To?
You should talk to your insurance company. You have to talk to the police. You should consult with a personal injury attorney if you have sustained injury. But that is about it. You should not talk to anyone else in the wake of an accident. Baltimore injury/accident attorneys should report a Maryland automobile accident to... Read more »
The Insurance Company Denied My Claim or Made a LowBall Offer. Can I Sue Them?
It’s an unfortunately common scenario. The insurance company for the at-fault driver offers you a few hundred dollars in settlement of your personal injury claim. They tell you that it is difficult to understand how you were hurt because the vehicles involved did not sustain massive property damage that costs thousands of dollars to repair -or some... Read more »
How Baltimore Much is My Case Worth? Three Times My Medical Bills?
As as Baltimore personal injury and accident layer- the most frequently asked question is get: How Baltimore Much is My Case Worth? -and often, the follow-up- Three Times My Medical Bills? The articles in my guides are devoted to shedding light on the multitude of factors that go into determining fair value for a Baltimore... Read more »
What is PIP? How Does Baltimore Personal Injury Protection Work?
Personal injury protection [PIP] benefits are ‘no-fault’, ‘first-party’ insurance benefits. ‘No-fault’ means that you get these if injured in a an automobile accident, no matter what the blame for the accident is. [Of course, you’re not eligible if you intentionally caused the this automobile accident, or if you were committing a felony that led to the... Read more »
Do Some Insurance Companies Deny More Claims Or Pay Less Than Others?
Another valid question. A few years ago, a lawyer’s group now know as the American Association for Justice, put out a fascinating publication called the ’10 Worst Insurance Companies in America’. [https://www.justice.org/…/AAJ_Report] It’s a safe bet to say that most people know many insurance companies are massive, and profitable. It’s probably a safe bet to... Read more »
What Happens If An Insurance Company Does Not Offer Its Policy Limits?
The possibility of obtaining a financial recovery beyond the limits of any possible insurance coverage clearly has an enormous impact on the value of the case. Maryland has relatively modest minimum motor vehicle liability coverage minimum requirements of just 30,000. A rather surprising number of drivers carry only the minimum. The best Baltimore personal injury... Read more »
Can The At Fault Party’s Insurance Company Deny My Claim, Delay My Settlement or Disclaim Coverage?
A crucial fact for any injured person to recognize, and be prepared to deal with, is that an involved insurance company does not want to compensate you. Perhaps it is counter-intuitive. Insurance is designed to provide compensation for a loss. That’s what the insured person pays for- coverage for a loss. So, when a loss... Read more »
Do I have to Have A Permanent Injury to Get A Settlement?
I’ve talked in other chapters of these guides about the effect, good or bad- of the testimony of the injured person on the outcome of the trial. Even seasoned Baltimore personal injury and accident lawyers that try their cases have likely had a case come off the wheels at one time or another. One potential problem... Read more »
Can I Recover My Car Rental Expenses After My Car Was Damaged or Totaled?
Of course, many things, other than personal injury, come up in the aftermath of a car accident. If there are injuries, of course, attendance to those issues is paramount. Property damage issues and transportation replacement insurance issues may all be secondary, but vitally important concerns. Most people are familiar with the idea of renting a car while theirs is... Read more »
