The
most Frequently Asked Questions (FAQ's) about auto
accidents:
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What if
party at fault is uninsured?
|
|
Uninsured
Motorist Coverage (UM) is provided in all Maryland auto
liability policies. In essence, the UM carrier stands in
the shoes of the at fault driver's carrier and will settle
all claims.
|
Will my
insurance premium increase if I use PIP or UM?
|
|
Under
Maryland law no increase is allowed when PIP or UM is
utilized.
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How
much can I recover in a personal injury claim, are there
limits?
|
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The
amount available is of course based on the value of the
claim. Recovery, however, is limited to the policy limits
of the at fault driver's liability coverage (primary
coverage) or your Underinsured Coverage, should this
coverage exceed the limit of the primary coverage. Your
underinsured limit is normally the same as your UM which
is normally the same as your Bodily Injury Liability
limits. Note that the only underinsured coverage available
to you is the amount that exceeds the primary coverage.
Maryland also has a "cap" in regard to the
amount recoverable for "pain and suffering"
which varies depending upon the type of tort action (IE,
wrongful death, medical malpractice, etc.)
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What
are the attorney's fee and my costs in a personal injury
case?
|
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First
of all, the consultation and evaluation of your case is
free. Our fee is 33 1/3% of the gross recovery of a
settlement for the personal injury claim - there is no
retainer paid. Further, we do not take a fee for assisting
in the property damage recovery and/or the PIP claim.
Certain costs, such as police report fee, hospital records
fee, initial filing fees if suit is instituted are usually
advanced by our office and are reimbursed upon settlement.
Should the occasion arise we may ask you to contribute in
regard to certain extraordinary costs such as fees for
accident reconstruction experts, medical experts, etc.
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What is
the Statute of Limitations?
|
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An
auto accident claim is a "tort" action and thus
the three year statute applies. That means a law suit must
be filed within three years of the date of accident.
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What if
....... ?
|
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Call
me at (410)363-6848 or in Glen Burnie (410)590-6848 and we
will answer any and all questions involving auto
accidents.
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