In the state of Maryland, all motor vehicles must have an active insurance policy that covers both bodily injury and property damage. Unfortunately, many motorists opt for the mandatory minimum coverage in order to save money. But in catastrophic collisions, this coverage is rarely enough to cover all associated damages. If you sustained debilitating injuries with a reckless driver, and the insurance adjuster is not working with you, turn to a personal injury lawyer from Plaxen & Adler in Columbia, MD. Below, their skilled legal team discusses strategies for recovering additional compensation after a car accident.
3 Strategies From a Personal Injury Lawyer for Overcoming Insurance Policy Limits
1. Contact Your Health Insurance Provider
Your health insurance provider may cover the medical expenses that arise as a result of the accident. However, talk to your attorney about taking this approach because many insurance providers will require compensation from your settlement in return for covering the associated costs upfront.
2. Consider Negotiating Your Medical Bills
If you do not have the means to cover your medical bills, your health care provider may be willing to charge you a discounted rate or devise a manageable payment plan based on your circumstances. Most health care facilities would rather get a portion of the costs than no compensation at all, and you may be surprised to find that hospital administrators are willing to work with you.
3. Talk to Your Auto Insurance Provider
Uninsured motorist coverage is not required in Maryland, but it is beneficial to add to your policy if you can afford it. Talk to your auto insurance provider to determine if you have such coverage, which should cover damages that arise in collisions with uninsured or underinsured motorists.
If you were hurt in a car accident that was not your fault, turn to Plaxen & Adler to explore all possible avenues of pursuing compensation. Visit their website to find the location nearest you, and call (410) 730-7737 to talk to a personal injury lawyer in Maryland today.