I’ve been injured. Now what?
What you need to know about personal injury
Don’t talk to anyone about this incident except your lawyer. Don’t even talk to your own insurance company without telling your lawyer. You could unintentionally admit fault for the incident. Insurance companies can easily use your own information against you.
See your doctor right away if you were not taken to the hospital from the scene of the accident. If you wait days to have your injuries treated, the insurance company may not believe that this incident is what actually caused your injuries. Additionally, do not miss any doctor’s appointments.
Keep all receipts for medical visits and prescriptions. Having detailed records of how much your treatment will cost will make it easier for you to receive necessary funds to cover your medical bills.
Take photos of your injuries and/or car damage. Personal injury cases can take years to resolve – when your injuries start to heal, you will need proof of how serious they were. Additionally, once your car is fixed, you need proof of the original damage.
Record the names and contact information of any witnesses. Witnesses can seriously help your case; make sure you know how to reach them.
What is PIP?
How PIP applies to your case
Personal Injury Protection (PIP) is a fixed amount of money your car insurance will use to reimburse you for medical expenses and lost wages when you’re hurt in a motor vehicle accident. Upon buying car insurance in Maryland, they must offer you a minimum of $2,500, although you do not have to accept it. You can also buy Med Pay (additional PIP) through your insurance company. Not all providers offer this, but some offer up to $50,000. Using PIP will not raise your insurance rates – it is there to be used, regardless of who was at fault.
What is subrogation?
How subrogation applies to your case
Subrogation is the process your health insurance company goes through to get reimbursed for any and all money they’ve paid on your behalf while you were injured; the specifics are based on your individual insurance policy. Your health insurance will not subrogate if you lose the case. If you receive a settlement payment, the subrogation money will come out of it. An experienced firm can negotiate the amount your insurance company will receive.
How do I deal with my property damage?
What happens to your motor vehicle
The insurance company of the party at fault will assign two adjusters to your case: one to handle bodily injury and one to handle property damage. The property damage adjuster will speak to you about your vehicle damage, but the bodily injury adjuster should not talk to you – that person should only speak with your lawyer. When you talk to the property damage adjuster, do not mention your injuries at all – they could report that information and use it against you.
A word of advice: If your vehicle is not drivable and is in a storage facility, remove it from there immediately. A storage facility will charge you daily storage fees while your car sits there. The other party’s insurance company may not cover this – you are responsible for handling your property as well as any storage fees.
We will make the difference.
Carey Law Office will protect your rights.
Why do clients travel to our office from all over Maryland? The answer is simple: we have an excellent reputation as a firm that gets results for clients suffering serious injuries. Other attorneys often refer clients to us, recognizing our outstanding success with personal injury cases. We have over 30 years of experience handling injury and accident cases ranging from car accidents to dog bites; from whiplash to wrongful death. With us, you are in good hands.
You can rest assured that we will resolve your case for the full amount you deserve. You are entitled to compensation for lost wages, medical bills, permanent injuries, property damage, and pain and suffering. You need to focus on recovering – we will pursue the claim on your behalf, gathering the necessary evidence to prove that you were not at fault. We have valuable resources to help evaluate and analyze your claim, including the ability to consult with various accident investigators and medical specialists to determine the extent of your injuries, the life-altering impact, and the cost of future care and treatment. If your case doesn’t settle, we will fight for your rights as trial.