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Four Reasons an Insurance Company Rejects Your Maryland Car Accident Claim

If you are hurt in a car accident, you may typically file a claim for your losses with the responsible motorist’s insurance company. This is because, in an “at-fault” or “tort” state like Maryland, you can seek compensation from the driver whose negligence led to the auto collision. The process for recovering for such losses as medical expenses, lost wages, pain and suffering, and others seems relatively straightforward: You fill out the forms, send them to the insurance company, and wait for a check.

Or so you would think.

In reality, getting the compensation you deserve is much more complex. Insurance companies are businesses that seek to make money, not lose it by paying out claims to victims like you. They train their employees to look for weaknesses in your claim and any reason that justifies rejecting it. Knowledgeable Maryland car accident attorneys know their tricks, but you should also become familiar with the excuses insurance companies use to deny your claim or offer a low-ball amount that is not sufficient to cover your losses. A few to keep an eye out for include:

You Delayed in Filing Your Claim

Insurance companies have time-limit policies on claims, so you may encounter some resistance from an insurance agent if you do not file as soon as possible after your car accident. The representative may attempt to deny your claim or reduce the amount of compensation on the grounds that there was not enough time to gather evidence related to the incident. Insurers may also contest that the accident was not the cause of your injuries, as intervening events may have been the reason you were hurt, not the actions of their own policyholders.

Still, you should note that Maryland has a statute of limitations that applies to personal injury cases. This is the only time period that is relevant for a car accident claim, regardless of what you may hear from an insurance company representative. The operation of the statute of limitations is serious, however, because it acts as a complete bar to your cause of action if you do not file a lawsuit in court before it expires. The clock starts to run the date of your auto collision, so time is of the essence in seeking legal remedies.

You Did Not Seek Medical Treatment Right Away

Insurance companies are always looking out for ways to deny or reduce your claim, so the failure to obtain proper medical care immediately can give them the fodder they need. There is some logic to this point: If you did not make it a priority to go to the emergency room, visit an urgent care center, or make an appointment with your own physician, your injuries could not be that bad. This is all the reason an insurance representative needs to reject your claim or offer a low-ball amount to settle it. You preserve your legal rights if you visit a healthcare provider as soon as possible, or at most within 72 hours after the car accident.

In addition, seeking proper medical care right away is critical for protecting your own health. Minor injuries, such as lacerations and bruises, will heal in time. However, more serious medical conditions require immediate attention. Delays could mean:

  • It will take longer to recover from your injuries;
  • You could aggravate the injury;
  • You may suffer reinjury because you are not restricting your daily activities or workload based upon a doctor’s orders;
  • You may not get proper care for conditions you do not realize you have suffered, such as concussion, traumatic brain injury (TBI) or other head injuries; and,
  • Delays in obtaining referrals to medical specialists necessary to treat your injuries.

You Were Not Able to Establish Fault

If you do not submit solid documentary and other evidence demonstrating that the other driver was negligent in causing your car accident, an insurance company representative will reject your claim. As part of the claims process, an insurance company employee will discuss the crash with the policyholder and get a statement regarding the facts surrounding the incident. If that version of events differs from yours, the adjuster will most definitely deny your claim.

You can establish credibility and present a more convincing position when you take photos, document all circumstances surrounding the car accident, talk to witnesses, and gather other types of proof to support your claim. This is why car accident attorneys maintain professional relationships with private investigators, accident reconstruction experts, and other specialists. The input of these individuals helps avoid a “he-said/she-said” situation in which the insurance company representative is more likely to side with its own policyholder.

The Policyholder’s Coverage is Not Enough to Cover Your Claim

By law, Maryland motorists are required to carry minimum coverage amounts of auto insurance. They include:

  • Bodily Injury Liability Coverage of at least $30,000 per person;
  • Bodily Injury Liability Coverage minimum of $60,000 per accident; and,
  • Other types of coverage.

In a car accident that involves serious injuries, your medical expenses and economic losses alone may exceed $30,000; this amount would do nothing to cover your pain and suffering, emotional distress, and other non-economic losses. This basis for an insurance company to deny your claim for any amount above the minimum is legitimate, since you can only recover the policy limit.

Still, you do have options to seek additional compensation above the negligent driver’s policy amount. You may file a claim with your own insurance company because Maryland law also requires motorists to carry Uninsured Motorist Bodily Injury Coverage minimums of $30,000 minimum per person and $60,000 per accident.

Schedule a Consultation with an Experienced Maryland Auto Accident Lawyer

There are many more reasons why an insurance company might reject or dispute your claim. Therefore, depending on the facts of your case, it might be critical to retain a dedicated car accident attorney to represent your interests. Insurance company employees know they cannot get away with the same attempts to vitiate your legal rights, when you are represented by experienced counsel.

For more information on how we can help you with your auto collision matter or other personal injury cases, please contact the Baltimore office of Bob Katz Law. We can schedule a free, no-obligations consultation to review your circumstances and explain your legal remedies. We assist hundreds of clients every year in Maryland, Virginia and Washington, D.C.


Read Some of Our Recent Client Reviews!

Ashley Poole
Ashley Poole
01:05 08 Nov 18
Attorney Bob Katz and his staff are highly recommend. Customer Service was impeccable. Every phone call and email was responded to in a timely manner. Natalie Ulrich was very professional, helpful and thorough every step of the way, which resulted in a stress free experience. I will recommend this law firm to family and friends!
Tania Jefferson
Tania Jefferson
17:51 06 Nov 18
Customer service was A+. All questions were answered promptly and information was shared appropriately. Concerns were addressed and I was made aware of all updates on my case. I would whole heartedly recommend this firm.
edward Robinson
edward Robinson
03:00 06 Nov 18
I highly recommend Mr. Katz and his staff. They were friendly, compassionate and really showed they had their clients best interest at heart. There was never a time you called them they didn't respond or returned your calls and answer your questions.They took the worry, and stress and turn it into reassurance. They were diligent and just down right professional. My wife and I really thank God for allowing us to cross paths on a professional business experience. Ms. Rebecca Slatery is the most courteous, compassionate soul. We wish you all peace, love and blessings. Thank you for your service.
20:11 31 Oct 18
I decided to use this firm again for an accident I was involved in. As always they were professional and caring. Rebecca slattery was the paralegal assigned to my case and she was professional and kept me up to date with everything. I would recommend this firm to friends and family!
Cedric Jones
Cedric Jones
19:04 23 Oct 18
Erica Z is amazing with keeping you to date and staying communication with you during the entire process. Meghan Young was a wonderful lawyer made me feel extremely comfortable in the courtroom and she also fights for the best possible outcome for you..GREAT LAW FIRM
Nguyen Le
Nguyen Le
16:44 23 Oct 18
It was a great experience being taken care of by Rebecca Slattery and Meghan Young, they helped me resolve my case and were very courteous and professional. Highly recommend working with this law firm
Soun Gil
Soun Gil
21:35 17 Oct 18
Ms. Park helped me out through my whole accident process. She took her time with me and made sure I understood everything. I would recommend to her all of my friends if they were to get into any accident.
Yejin Chung
Yejin Chung
15:40 12 Oct 18
I highly recommend. My family’s experience with this office was great. Christina Franetovich was very helpful throughout the whole process, which made this experience less stressful. She responded to my questions immediately and made sure that I understood everything.
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.
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!!!
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
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.
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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