- Page 1
Do I have to repay my health insurance out of my car crash settlement?
The answer is sometimes yes and sometimes no. It is a complex topic as governmental programs such as Medicaid and Medicare require reimbursement and a failure to do so can result in trouble.
Private insurers such as Kaiser, Blue Cross or Aetna often seek repayment but not always. Truly these issues are why having an experienced lawyer handle your case is worthwhile.
Do I have to go to trial in my car accident case?
No you don't. However you may have to accept an offer you aren't happy with. Insurance companies make billions of dollars and one way they do so is offering settlements in car and truck accident cases that bear little resemblance to what jurors may award.
Fortunately, the choice is ultimately yours and with good legal advice offers can be coaxed up to higher sums and in some instances medical bills that must be paid out of settlement can be coaxed down.
Do I have to file a lawsuit in my Maryland car accident case?
The answer is no. However, the decision to file or not file a lawsuit is usually a function of the at-fault driver's insurance company making an unacceptable offer. If the liability insurer makes an offer that is not to your liking the only alternative may be to "suit it up."
In a Maryland Car Accident Case can the Injured Victim Seek both Workers Comp and PIP?
The answer is yes but there are some qualifications including potential offstes. This is a subject matter for review with an experienced attorney such as Clark and Steinhorn, LLC.
I Got PIP Payments in my Maryland Crash Case. Does Liability reimburse them?
In Maryland the answer is no. Your PIP is subject to the collateral source rule and the at-fault driver and their insurance company do not benefit from your forethought. For More go to:https://www.maryland-law.com/blog/covid-19-complicates-maryland-crash-injury-lost-wage-claims.cfm
Do I Need a Doctor to come to Court and Support my Claim?
It Depends. Smaller cases seeking $30,000.00 or less in compensation can be supported by medical records in conjunction with a legal pleading, referred to by lawyers as a 10-104.
Cases seeking more than $30,000.00 require the testimony of healthcare providers to buttress the relationship between the injuries alleged and the treatment received as well as reasonableness of the charges.
Are police reports admissible in evidence at Maryland car accident trials if the police officer is there?
This answer confounds lay people but lawyers try and admit police reports with some regularity and invariably unsucessfully. However, the officer can use the report to " refresh their recollection" which can have the same impact.
Do police reports come into evidence if the officer is absent?
No they don't except in some small claims cases and then only in the discretion of the trial judge.
Do I have to settle my car accident claim for property damage and personal injuries at the same time?
No. They are dealt with separately. Property damage is routinely resolved early in the process whereas personal injury cases often take far longer.
Do I Have to Settle my Maryland Car Crash Case?
No you don't have to but in many instances you will receive more compensation by doing so. The fact is that many Maryland car accident cases involve limited available insurance and once the insurance limits are gobbled up, it is rarely worth pursuing the at-fault driver for any perceived underpayment.
Trials of large cases invariably involve medical expert testimony and that is expensive. Similarly depositions if frequent enough and long enough can eat up money that would otherwise go in your pocket.
What is an IME?
An IME is a so-called independent medical exam. The qualification that it is "so called" stems from the fact that when an insurance company sends you to an IME doctor, they are choosing one who is unlikely to be "independent".
Which is to say that a small cadre of doctors make large amounts of money seeing victims of personal injury and consequently can be relied upon by the insurance industry to opine that the injured person wasn't that hurt or didn't require the treatment they underwent or a host of mother opinions calculated to devalue the victim's claims.
Will the at-fault driver's insurance company pay my medical bills?
No they will not. There are some circumstances where an at-fault driver's PIP insurance may pay some of your medical bills but that is the exception more than the rule. At-fault insurance companies will pay what a judge or jury makes them pay, which can include your medical expenses but only if the judge or jury awards those medical expenses.
Do I have to go to the insurance company's doctor before undergoing surgery?
Periodically our clients are compelled to undergo surgery as a result of vehicle accident injuries. Increasingly insurance companies are pushing for crash victims to see their doctor before surgery. Clark and Steinhorn, LLC take the position that crash victims have no obligation to see the doctor of the insurance company whatsoever. If a case is in litigation the at fault driver can through his or her attorney seek an examination by a physician of their choosing but even that exam can be resisted or constrained.
Do I have to file a lawsuit in my Maryland car accident case?
At Clark & Steinhorn, LLC we are often asked if our clients have to file a lawsuit in their Maryland car and truck accident cases. The answer of course is no. Nobody has to file a lawsuit ever.
However, a lawsuit may be necessary in order to obtain fair compensation. Insurance companies often low-ball injured crash victims before suit. Some lawyers and victims take the unduly low offers to avoid the time and hassle of a lawsuit. However, when they do this they often leave money on the table.
At Clark & Steinhorn, LLC we try and advise our clients on the best way to maximize their economic compensation while minimizing the hassles and delays.
I was in bad accident. Do I have to go to the insurance company's doctor?
Periodically we are asked about insurance company requested medical appointments and whether victims of crashes must attend them? The answer is maybe. If a case is in litigation (a lawsuit has been filed) then the answer is generally yes. However, there are various limitations. These include limits on how far you would have to travel for such an examination, how many times and when the exam is scheduled.
Often the insurance company has to provide transportation or pay for mileage to and from the doctor and parking.
However, if the case isn't in a lawsuit the answer is no unless under some circumstances the P.I.P. insurance can request such an exam, which is however quite rare in Maryland.
Injured in an Uber or Lyft car accident, what should you do?
The most obvious answer is get necessary and appropriate medical care and call an experienced lawyer. The source of insurance proceeds available to you and the amount is quite fact specific and requires a detailed and thorough investigation. Call Clark and Steinhorn, LLC at (301) 317-1001
Why do I need a lawyer for my Maryland Car or Truck Crash Case?
There is an easy answer and a more complex one. The easy one is that insurance companies routinely take advantage of victims of car and truck accidents. They know if you don't take their "final" offer that the odds of you successfully filing and pursuing a lawsuit are very low.
The more complex answer involves the fact that insurance company adjusters are trained to elicit information from victims of Maryland car and truck accidents calculated to diminish the value of their cases and to lower expectations at settlement. Lawyers serve as the spokesperson for injured car accident victims and understand the true value of cases. Lawyers always have recourse to filing a lawsuit if the insurance company is reluctant or unwilling to offer a fair settlement.
The lawyers at Clark and Steinhorn, LLC are highly knowledgeable about the complex interplay between different kinds of insurance coverages. Strategic use of insurances available to victims of Maryland car crashes can maximize the settlement or verdict they receive. Health insurance, PIP insurance, disability insurance and of course liability insurance all come into play in a major crash and need to be managed properly.
Workers compensation and PIP interact uniquely particularly in cases with uninsured or underinsured motorist claims. Don't be a victim twice, consult Clark and Steinhorn, LLC to ensure you receive all of your fair compensation.
I was hit by an uninsured motorist, what do I do?
In Maryland and the District of Columbia auto insurance is mandatory and failure to have it can result in a host of penalties. Despite this we see crashes with uninsured motorists frequently. This invariably worries the victims of these car accidents and at Clark and Steinhorn, LLC we reassure our clients that this is not an insurmountable problem.
Uninsured motorist coverage is included in everyone's auto insurance policy and serves to protect car accident victims from the actions of irresponsible drivers. The funds that your insurance carrier pays in these benefits will not raise your rates and the uninsured driver can be pursued to repay these monies. For more questions contact us. https://www.maryland-law.com/library/laurel-lawyer-on-maryland-uninsured-motorist-coverage.cfm
I've Been Injured in A Maryland Car Crash How Will I Pay For MY Medical Expenses?
There are a variety of ways that Maryland Car Crash Victims can ensure that their medical expenses are paid for. The first line of payment involves P.I.P. insurance. Personal Injury Protection benefits are a limited amount of "No-Fault" Insurance benefits that emanate from the insurance policy of the driver's car. The second line of payment is health insurance. The third is use of a physician or other healthcare provider who is willing to be paid out of the settlement of the victim's car accident claim.
The interplay between these payment sources is complex and consulting an experienced attorney at Clark and Steinhorn, LLC is advisable. (301) 317-1001 or Maryland-Law.com
I have been involved in a collision, what should I do?
Any time you are involved in a collision the first and most important thing to do is to put on your emergency flashers or other warning devices to ensure that no other vehicles become involved in the collision. Once this has been accomplished, contact the police or other local authorities and provide them information regarding where the collision took place, how serious the collision appears to be and if you know, whether there are injuries which will require medical personnel.
Often it will take some time for the police and other authorities to arrive and if it is safe to do so, it would be desirable to obtain as much information as possible about the collision. Obtaining the names, addresses, telephone numbers, driver’s license numbers and insurance information of the vehicle operators and owners involved in the collision is very important. On occasion we find uninsured or unauthorized drivers involved in such collisions and getting the license plate numbers of the vehicles, along with their make and model can also be important.
In this era of camera phones, pictures of the location of the vehicles after the collision, the damage to the vehicles, and any skid marks or other evidence that could later demonstrate clearly how the collision happened should be taken, if it is safe to do so.
Sometimes, in the aftermath of a collision, tempers flare and it is important to keep calm in the face of a potentially dangerous situation. On some occasions drivers who cause collisions readily admit their responsibility for the collision and if they could be encouraged to do so in front of any witnesses at the scene or in front of the police officer or other authorities, pay careful attention to what is specifically said by those individuals and in front of whom it is said. Sometimes it is useful to take written notes at the scene about what was said and to whom.
When the authorities arrive at the scene make sure that you get the names and badge numbers of any police officers as well as their employers. If a police report is authorized, make sure to get the number of the police report. Often mistakes are made between county police officers and state police officers and locating them later to testify concerning their observations becomes very difficult. It could also be useful to take specific notes about the scene of the collision, including the weather conditions, time of day, location and any factors that may have resulted in the collision.
Assess carefully whether you feel you have been injured at the scene. Often drivers find that later in the day they end up going to the emergency room for injuries they sustained in a collision. The excitement and adrenaline associated with being involved in a collision will often have the affect of reducing the awareness of the accident participant as to any pain or difficulties they are suffering. At many trials of collision cases, defendants and police officers testify that they were told at the scene that the injured party was feeling fine and that that individual got in their car and drove away from the scene and went to work. This can result in judges and juries underestimating the extent to which a collision has brought about an injury and giving little credence to later complaints that collision victims describe.