When Baltimore residents are involved in an auto accident, it can be confusing and emotional, making it difficult to know what steps to take after the accident. This is especially true when individuals are left with car accident injuries, and must consider the involvement of insurance companies and personal injury claims.
Typically, a car insurance policy might cover claims of bodily injury by others involved in the accident, as well as property damage claims. However, while individuals should get in touch with their insurance agents soon after the accident, the communication they have should be limited in some circumstances. For instance, individuals should not give written or recorded statements until they understand their coverage.
From the initial contact, the insurance companies' involvement in the case might vary depending on the circumstances. In cases where one driver is clearly at fault, the insurance company may not contest liability, and may seek to settle the case immediately.
For example, two cars recently collided in Maryland after one driver failed to stop at a stop sign. The vehicles proceeded to crash into an embankment. Both drivers were sent to the hospital with critical injuries, although one's injuries have been reported to be non-life-threatening.
While an accident investigation is continuing in the above case, it might be one such no fault case where the insurance company seeks to settle early on in the case. Nonetheless, drivers in these types of cases should still contact a qualified personal injury attorney to determine what claims and damages might be available. Moreover, if individuals have questions about dealing with insurance companies, the attorney can help determine what information needs to be provided, and how the case should proceed.
Source: Baltimore Sun, "Two hurt in accident that closes Mountain Road in Fallston," Feb. 1, 2013