Maryland is not a no-fault state. But what does that mean and how does it affect you based on your circumstances?
It’s important to understand the laws governing auto accidents in your state. This way, you can be sure that you are making informed decisions and getting the compensation you deserve.
Here’s what you need to know.
First, let’s take a look at what exactly a “no-fault” state is.
In a no-fault state, an individual involved in an auto accident can file a claim with their insurance company regardless of who was at fault. This means that each party seeks compensation from their insurance company. The alternative is they file a lawsuit against the other driver to determine which driver was at fault for causing the accident.
Most no-fault states have PIP (Personal Injury Protection) coverage requirements that require each driver to carry certain minimum amounts of coverage for medical bills resulting from an automobile accident.
Unfortunately for residents of Maryland, the answer is no. Maryland is not considered a “no-fault” state when it comes to car accidents.
Instead, it’s considered an “at-fault” or “tort liability” state. This means drivers must file claims with the insurance company of whoever was responsible for causing the accident. This also means that injured parties may need to file personal injury lawsuits against other drivers if they are seeking compensation for medical bills or other damages resulting from their injuries.
It’s important to understand how your local laws governing auto accidents work so that you can make informed decisions if you are ever involved in such an incident yourself.
For those living in no-fault states like Maryland, understanding the legal system can be overwhelming after a car wreck.
It’s wise to seek the expertise of an attorney. They can help you maximize your potential settlement following an accident. Attorneys understand the intricate details of personal injury law and can explain them in a way that makes sense to their clients. This is something that many insurance companies fail to do when trying to settle cases quickly and cheaply.
Good attorneys have experience dealing with insurance companies, so they know how best to negotiate maximum settlements for their clients. Furthermore, they are familiar with existing case law. They know what kinds of arguments hold up should your case go to trial.
An experienced attorney can help you navigate these questions . They’ll ensure that you receive the compensation you need and deserve in the wake of an accident.
To learn more or to schedule a consultation to discuss your situation after an auto accident, contact Shugarman & Mehring at 410.783.4200 or toll-free at 888.342.7200.
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