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Paying For Auto Insurance

Posted on: April 28, 2015

The vast majority of Maryland residents commute to and from work by car. Driving a car is one of the most convenient ways to travel around our state unless, of course, you have the luxury of living close to work. Unfortunately, most of our state does not have a plethora of pedestrian friendly options nor easily accessible public transportation. The result, as morning commuters will attest to, is a lot of cars on the roads. Owning a car is almost a necessity to commute through Maryland but having car insurance is a legal to necessity for driving a car. For families who live paycheck-to-paycheck, sacrifices are often made in the way of future expenses; namely, insurance.

Insurance on a Budget

There are many reasons why auto insurance is an unaffordable luxury for low-income drivers. For one, purchasing insurance requires proof of a valid driver’s license. This is an obstacle to the state’s undocumented and illegal immigrants. Another problem is the rating system used by insurance companies. Living in a highly congested area, as many low-income residents do, will cause an insurance premium to increase. Another factor taken into consideration when quoting insurance is whether the neighborhood is a high-crime area; more crime means a higher insurance premium. Perhaps one of the greatest obstacles to a reasonable insurance premium is a poor credit rating. A study done by the Consumer Federation of America showed that drivers with bad credit could end up paying an average of 127% more for an insurance premium than a driver with excellent credit.

The Problem with the Uninsured

When it comes to insurance the key is expecting the unexpected and preparing for it. The number of uninsured drivers across the country is staggering. According to the National Association of Insurance Commissioners the percentage of uninsured drivers on the road varies in each state from 5% to 30%. The financial losses in the United States due to uninsured motorists totals about $150 billion each year. The best way to protect against property damage and bodily injury going uncompensated is to purchase uninsured and underinsured motorists policies. Uninsured protects the party who is not at-fault for the accident even where the at-fault party has absolutely no insurance. Underinsured is a policy that protects the non-at-fault-party where the at-fault party’s policy is not enough to cover the damage.

Maryland Lends a Hand

Many states across the country are beginning to recognize the struggle that drivers face when they attempt to budget for pricey insurance premiums. Maryland legislators have created the Automobile Insurance Fund, which promises to provide coverage to those who have been rejected or cancelled by two other private insurance companies. As Cathy Nyce, director of marketing at the AIF, explained, “Frequently folks who are our policyholders are financially vulnerable. They’re making a decision every month whether to buy insurance or put food on the table.” The goal is to provide liability insurance to drivers until they are eligible for other, more complete, policies through a private company.

If you have suffered an injury after an auto accident in the state of Maryland, contact a skilled personal injury attorney today for a free consultation. We are happy to perform a consultation on your case.

Justin Katz is a personal injury lawyer who represents injury victims in Maryland, Virginia and Washington DC
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Read Some of Our Recent Client Reviews!

UniversalSniping
UniversalSniping
02:32 04 Aug 18
The lawyer who was initially handling my case parted ways with the company and I was assigned a new lawyer. This new lawyer was amazing! Christina Franetovich made me feel secure by double checking all the facts and notes in my case so that I was not worried during this transition. I was on disability from an a different accident while she was finalizing my case, and I had called and hounded her about the time frame of my settlement very frequently to the point that I felt guilty for calling so much. Christina was very sympathetic to my situation and assured me that she would do everything in her power to make sure the situation would be resolved quickly. She actually finalized my case before the time frame she had given me, was always very courteous and knowledgable on the phone, and I feel extremely lucky that she ended up handling my case because the previous lawyer was not as amazing with customer service as Christina. She also has a way of making you feel comfortable and builds incredible rapport quickly. I am going to highly recommend her to my friends and family. Thank you Christina!!!
Andrea Barajas
Andrea Barajas
15:13 16 May 18
My husband and I were in a car accident in August 2017. We contacted Bob Katz team for legal representation in our case. Kristen A. Turner was our paralegal and she was excellent. It took 9 months for us to receive our settlement and Kristen kept us updated throughout this entire process. She was very kind and patient as I happened to have several questions. She always answered my questions promptly and thoroughly. I would highly recommend this firm and Kristen if you are in need of legal assistance.
Richard Hose
Richard Hose
02:26 27 Jun 18
On Feb 23, 2017 I was in a bad accident on the JFX. I had been rear end by another driver. Almost immediately I felt pressured by the other drivers insurance. Everything from wanting a recorded statement; to failing to acknowledge responsibility. No one would answer my questions, nor would anyone take responsibility. I was frustrated and overwhelmed with everyone from the towing company, to the repair shop, to the insurance company nightmare I just entered. I reached out to Attorney Robert Katz and I was assured they were here to help. He provided with some much needed information, and told me not to worry, Sarah his Paralegal would be in touch to help get things moving. Sarah reached out as expected and explained their process and walked me through what my expectations would be. She as well assured me they were here to help me navigate the obstacles. What Sarah really did was so much more than help. She took the stress and burden off my shoulders and assumed ownership for handling everything on my behalf. I knew what to expect, and I received regular updates throughout the entire process. Honestly, I received so much more than I anticipated. Some of the most frustrating items to chase after are medical records and hospital charges. While I was trying to recall events and timelines, she had already obtained my records and information. She made this process so painless. I truly cannot say enough about the exceptional service she provided. Many thanks for all your help. Sincerely, Richard Hose
Claudette Pope
Claudette Pope
13:18 30 Aug 18
I was referred to Gordon & feindblatt in 2014 when my family was in an accident, Mr. Katz personally consulted with me by phone and he was very polite and professional, Mr. Carpuso, one of the litigation attorneys even came out to our home and went over our case with us, he made sure all of our needs was addressed and before he left our home that day I felt like we were old friends. that case was settled and I was very pleased, I have used this law firm twice since then and the results are always the same, I have nothing but great experiences with Gordon & Feindblatt the staff are courteous and professional and they get the job done but the one in particular that really stood out for me is Rebecca Slattery, she is truly a gem, she is so compassionate, she walked me through the entire process, she even checked up on me from time to time just to see how I was feeling and I really appreciated her kindness. I will use this law firm again and again for any future legal issue that may arise and I would highly recommend Gordon & Fiendblatt to friends, family and co-workers.
TheOfficalCeeandDee
TheOfficalCeeandDee
15:24 09 Feb 18
My experience here was great. My lawyer Rebecca was so professional and I love her personality. She handled my case well and kept me updated and made the process easy and always made me feel comfortable to call whenever I needed to know anything.
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Location: Tysons

Chris Shin
Chris Shin
18:23 20 Jun 18
They were very polite, professional. and informed current status of the case time to time. Great Job !!!
Jonathan Roane
Jonathan Roane
22:51 17 Nov 17
If you ever need any assistance with an accident or injury-related claim this is the firm you need hands down. These are the most professional and caring people I have ever met in my life. Two people you should contact are Rebecca Slattery who was actually my paralegal and also Allan Serrano. You will be in good hands.
Israel Thompson
Israel Thompson
00:52 06 Dec 17
Attorney MR Bob Katz outstanding Human being, went beyond and above to help me during my accident, he showed me tremendous kindness and support.Thank you so much will highly recommend him to anyone who needs help with their auto accident
Marta Kritselis
Marta Kritselis
16:19 01 Sep 17
Rebecca Slattery the paralegal She took care my case and she was very helpful throughout the whole process. I highly recommend to my family and friend the services of Attorney Bob Kats and there team .
Myong Kim
Myong Kim
22:04 31 Mar 17
I am grateful to Bob and Justin Katz and their team for working hard to get me the most money. They were very professional and easy to work with in Korean. I will recommend them to friends and family any chance I have.
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