Do Some Insurance Companies Deny More Claims Or Pay Less Than Others?
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 say that most people don’t really understand just how much money the major insurance companies actually make. The American Association for Justice puts that figure at 30 billion dollars, annually, for US... 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?
Yes. In Maryland, rental-car expenses can be part of the property-damage side of a motor vehicle claim after a crash. The main risks are a liability dispute, weak documentation, and delay in repairing or replacing the vehicle once that can reasonably be done. Insurance companies often let rental days accumulate while they investigate fault, inspect... Read more »
Should I Document All of My Expenses After A Car Accident?
Yes. After a Maryland car accident, you should document every reasonable expense connected to the crash. The main risk is not just forgetting a charge. It is giving the insurance company an opening to say the loss was never incurred, was unrelated, or is too vague to count. The next question is what categories of... Read more »
What Is a Low Speed Collision? Can The Insurance Company Deny My Claim Because of This?
Can an insurance company deny a Maryland injury claim by calling it a low-speed collision? No. An insurance company can argue that a low-speed collision did not cause injury, but that label does not decide the claim. In practice, “low-speed collision,” “minimal impact,” or “no property damage” often means the carrier intends to challenge injury,... 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 »
Am I Entitled To Compensation For A Hit And Run Accident?
Maryland car accident lawyers Attorney Eric T. Kirk are aware that every insurance policy issued in Maryland must include coverage for damages caused by unidentified motorists unless that coverage is affirmatively waived. Victims of Baltimore car accidents where the at-fault diver flees the scene must show that they have exhausted all reasonable efforts to ascertain the... Read more »
Can A Computer Tell Me How Much I Should Recover Or How Much My Case Is Worth?
Insurance companies believe they can. Maryland car accident lawyers believe that something in the neighborhood of 7 out of 10 property insurance companies use “settlement software”. Foremost is the ‘colossus’ program- but don’t think it’s going to spit out colossal settlement numbers. Maryland car accident lawyers have a general idea of how these program function,... Read more »
Is State Farm a Tough Insurance Company to Settle Claims With?
State Farm is the largest auto accident insurance company. State Farm generates mammoth profits each and every year. Baltimore personal injury and car accident lawyers Attorney Eric T. Kirk are well aware of many of the methods employed by State Farm to defend against, deny, delay or defeat claims. Insurance industry analysts will tell you that an insurance company’s... Read more »
Is Nationwide Considered a Difficult Insurance Company to Settle With?
Nationwide, the nations 8th largest auto insurer,  is a gargantuan operation with in excess of 30,000 employees. Nationwide posted profits of 893 million in 2010 and 716 million in 2009.1 More recent figures suggest Nationwide is even more profitable today. According to the company 2 2015 produced 1.2 billion in net operating income an increase of 10% over the prior... Read more »
