MARYLAND CAR ACCIDENT LAWYER Do I have to have insurance?

Maryland car accident lawyers will advise you, if you live in Maryland, or anywhere else in the land, the answer is yes, as all states have mandatory liability insurance. But the minimum requirements on those policies can be incongruous. Baltimore, one of the places that you are most likely to be involved in a car accident, is under the auspices of Maryland’s mandatory minimum of 30,000 in liability insurance coverage. One the other hand, two of the comparatively safer places to drive a car, Maine  and Arkansas have mandatory minimums of 50,000 in liability insurance. Maryland car accident lawyers familiar with the laws of other jurisdictions have seen the lack of correlation in other states as well. NJ and PA, two of the comparatively least safe places to operate a motor vehicle have mandatory minimums of only 15,000 in liability insurance.

MARYLAND CAR ACCIDENT LAWYER What type of accident is most likely?

Maryland car accident lawyers handling Baltimore car collision cases have seen all manner of impacts. Why does it matter? Some types of impacts are generally easy to win on liability questions [e.g. rear end collisions]. Seasoned Maryland car accident lawyers are keenly aware that some accidents are frequently difficult to win on liability questions [e.g. red light-green light cases]. The National Highway Traffic Safety Administration most recent statistics show us that rear end accidents are actually the most likely to occur [31.5.%]. Head on collisions are the least likely [2%].

MARYLAND CAR ACCIDENT LAWYER The role of the insurance company. Just what are the premiums?

An automobile insurance company makes money by, in part, taking in premiums, and, over time, having lower operating costs [e,g, monies paid out in claims] than those premiums. Just how much are those premiums? Maryland car accident lawyers know that Maryland is an expensive place to insure a car, costing about $929 year for full coverage. Maryland car accident lawyers handling Baltimore car collision cases may know that it costs a hell of a lot more to insure that same car in Baltimore City- $2842 a year, on average. [Source: Insurance Information Institute, 2012].

MARYLAND CAR ACCIDENT LAWYER The role of the insurance company, revisited.

I devoted a lot of internet real estate lately trying to convey the wealth, size, resources, and collective mentality of the property/casualty insurance industry. It’s difficult to paint this picture for the typical Baltimore car accident victim. Certainly, there have been some generalizations that would not apply to ever insurer. But most of my Maryland car accident lawyer colleagues would agree that the individual insurers cannot argue the financial figures demonstrating their enormous profitability- as it comes from their own spreadsheets. Let’s look at one further example. Imagine that you were under subpoenas and court orders to turn over certain documents. You routinely thumbed your nose at judges, senators, and state officials, and refused to produce anything, coming to the proceeding with an empty box. Imagine that the reason these judges, senators  and state officials wanted these documents is because they believed they would show that you routinely and systematically mistreated and took advantage of your family. But you just said no, you guys aren’t getting anything. How many days would you spend in jail, if you ever got out at all? Maryland car accident lawyers that follow the insurance industry know that one industry behemoth engaged in this very behavior for years.