A Maryland car accident can have significant consequences on a victim’s financial, medical, and psychological standing. Under Maryland’s “at-fault” model of recovery, the “at-fault” party is responsible for compensating the victim for property damage, medical expenses, lost wages, pain and suffering and other economic damages. However, in many cases, the at-fault party refuses to take responsibility for the accident. In those situations, the injury victim’s insurance company is responsible for any property damage. The injured party’s insurance company will attempt to collect from the at-fault party’s insurance company. However, like every aspect of a car accident, unexpected issues often arise, and collecting damages can be a challenging experience.
One of the most frustrating aspects of an accident occurs when insurance coverage does not cover the extent of a person’s losses. This tends to occur after particularly catastrophic accidents. In these cases, the injury victim or their loved ones may go after the at-fault party directly. It is imperative to retain an attorney to assist through this process. An attorney can ensure that their clients recover the damages they deserve.
This is especially important with the rising costs of healthcare in the country. The New York Times recently reported on a tragic case that highlights the impact medical bills can have on a family’s livelihood. In that case, a family with seemingly good health insurance lost their premature daughter after contracting an infection while in the neonatal intensive care unit. A few months after their daughter’s death, they received various medical bills and debt collection notices from insurance companies. The insurance company inadvertently paid the hospital for care and turned to the family to cover their losses. Experts explained that these instances speak to the unpredictability of the American healthcare billing process. In many cases, patients and their loved ones do not understand what their medical costs are until they receive a bill.