Over the course of the last decade, I've published in excess of 700 articles in the areas of personal injury, criminal defense, workers' compensation and insurance disputes, generally. If you can't find what you're looking for, feel free to contact me to discuss the details of your case and learn how I can help.
Is Insurance Coverage Important In Valuation Of A Baltimore Personal Injury Case? You bet. Can you collect compensation for a Baltimore car accident if there’s no insurance? Yes, but it’s harder. Personal injury lawyers in Baltimore often emphasize that insurance coverage is a key factor in determining the value of a case. Without insurance, securing compensation can become a complex and challenging process.
Collection for a Baltimore Car Accident: No Insurance, But Assets
Attorney Eric T. Kirk highlights the reality that most people, even those with seemingly comfortable lifestyles, may not have significant financial assets. They might live in nice homes and drive nice cars, but this doesn’t necessarily mean they have a positive net worth or available funds to cover a large financial judgment.
Baltimore personal injury lawyers sometimes face a frustrating situation where they win a substantial verdict for a client, only to find no insurance or personal assets from which to collect the awarded compensation. While winning a case in court is one thing, actually receiving the money is another, especially if the at-fault party lacks insurance or assets.
Collection for a Baltimore Car Accident: No Liability Insurance, But Uninsured Insurance
Thankfully, in Baltimore, car and motor vehicle accidents are subject to mandatory insurance coverage. However, the minimum insurance required by law is relatively low, around $30,000, which may not be enough to cover significant damages. So while Insurance Coverage is Important In Valuation Of A Baltimore Personal Injury Case, the amount is often just as important as the existence of a valid and enforceable Baltimore auto insurance or liability policy. In cases where the damages exceed the available coverage, the injured party can turn to their own uninsured or underinsured motorist coverage to help bridge the gap.
However, outside of motor vehicle accidents, the situation becomes more difficult. There is no legal requirement for property owners to carry liability insurance, meaning that if you are injured on someone’s property, there may be no insurance coverage to tap into for compensation. Additionally, most insurance policies do not cover intentional acts, such as assaults, which further complicates cases where the injury was caused by deliberate harm.
Because of these challenges, many Baltimore personal injury lawyers choose not to take on cases where the at-fault party lacks insurance. Pursuing compensation in such situations can be a lengthy, difficult, and often frustrating endeavor. Collecting from an uninsured party may involve a long legal process, with no guarantee of success, which is why some attorneys opt out of these cases altogether.
In summary, while mandatory insurance laws in Baltimore provide some protection for car accident victims, the situation is far less straightforward when there is no insurance involved or when damages exceed available coverage. Those injured in such accidents should explore all possible avenues for compensation, including uninsured/underinsured motorist coverage, but must also be prepared for the possibility that collecting compensation might not always be feasible.
Baltimore Personal Injury Trial Lawyer Eric T. Kirk
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Eric T. Kirk Baltimore Personal Injury Trial Lawyer
For over three decades, I have battled against the nation’s largest insurance companies, always endeavoring to ensure my clients receive the compensation they deserve. As lead counsel in thousands of cases across Maryland, New York, and Florida, I have recovered millions for clients whose claims were wrongfully denied and delayed. Whether denying fair compensation for a personal injury victim or denying benefits to a homeowner, Insurance companies employ policy exclusions, technicalities, and lowball offers to deny and defeat claims. They also hire very good lawyers to fight you in court. So should you. When an insurance company unfairly rejects a claim, I stop them.
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