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  • Why does the liability insurer want my social security number and should I give it to them?

    When you are in a crash and seek compensation for your injuries, the insurance company will seek your social security number so they can use the so-called index system to look for prior claims by you. You don't have to give it to them but they don't have to negotiate a settlement with you either so generally we suggest providing this information.

  • Can Insurance Companies Look at My Old Claims?

    Yes they can and yes they will. The insurance industry routinely aks your atorney for so-called "Indexing information" which often includes your social security number, address and date of birth.

  • Should you disclose prior injuries?

    Many victims in car and truck accidents reinjure parts of their bodies that have been hurt previously. The inevitable question is whether or not they should disclose the preexisting problems to the insurance companies, their doctors and their lawyers?

    The answer is an emphatic "Yes"! Insurance companies have access to a database which purports to reflect all prior injury claims, so once they get your date of birth and name they know quickly whether or not you have been hurt before, what part of you was injured, how it was injured, who the insurance company was and how much was paid.

    For doctors, effective treatment requires knowledge of your past medical history both to treat and to ensure that their medical reports are credible.

    As for your lawyer, they must know the truth about everything and most particularly about prior claims and injuries in order to maximize your fair compensation.

  • How do Maryland car accident cases work?

    How do Maryland car accident cases work?

    This is a frequently asked question and can mean a number of things. First, there are several kinds of Maryland car accident cases. Some involve just property damage and some feature both property damage and personal injury. Maryland is a uniquely bad state in which to be involved in a crash as the state continues to observe an out-dated legal doctrine, that of contributory negligence.

    Contributory negligence compares the conduct of drivers involved in car accidents and a driver who is negligent even to a small degree can be deprived of compensation for personal injuries, even if the other driver is overwhelmingly at fault.

    So assuming that you were not negligent, the typical practice in Maryland car crash cases involves the at-fault driver's insurance company either repairing or replacing your damaged vehicle with the additional possible provision of a rental car. If you are injured, you can submit your medical expenses, lost income documentation and supporting medical records to the at-fault driver's insurance company with an eye towards settlement.

    Insurance companies routinely disagree with car and truck crash victims on the value of their cases and that is why lawyers like Clark and Steinhorn, LLC exist.