• A Look at Auto Coverage

    When buying or renewing car insurance, most people naturally look for places to save money. But when you buy insurance, Rockville personal injury attorneys suggest paying special attention to PIP and uninsured motorist coverage.

    PIP stands for personal injury protection and is no-fault coverage designed to pay immediate medical expenses and lost wages after an accident. Individuals apply for these benefits from their own insurance companies and they are payable regardless of who caused the accident. Minimum coverage is $2,500 in benefits, which generally covers an emergency room visit, x-rays, some follow-up care, and some time off work. PIP is a great value in that it does not cost very much to add to your auto policy, and each member of your household will then have access to their own $2,500 benefit.

    Uninsured motorist coverage protects you if you suffer personal injury in an auto accident with an uninsured or underinsured driver. Like PIP, this benefit is purchased through your own insurance company. It gives you the peace of mind in knowing that if you or other occupants of your car are seriously injured, and the other driver is inadequately insured, there will still be coverage available to pay for your injuries and wages. Given the high cost of medical care, families can be devastated with uncovered hospital or surgical bills after an accident. Insure yourself. The next time you renew your auto insurance make sure you consider raising your uninsured motorist limits.

  • What Does an Insurance Company Do During a Personal Injury Case?

    All personal injury claims in Gaithersburg or surrounding area immediately receive the attention of insurance companies eager to minimize their financial obligations to victims. Once the insured or the injured person opens a claim, an insurance adjuster gets to work to investigate the facts of the accident and try to negotiate settlement of the claim. To protect yourself, make sure you have a good accident attorney to help you navigate insurance company demands. Read on to learn more about what role insurance companies and adjustors play in personal injury cases. accident attorney in rockville

    Speak to the Insured Party
    An insurance adjustor’s first step is to speak to the individual covered by their insurance policy. If the insured individual has suffered personal injury in a car, truck, boating, or other accident, the adjustor will ask for a recorded statement describing the accident and all injuries.

    Request Official Records
    Car accidents are generally accompanied by police reports and accident reports drivers file with the state department of motor vehicles. An insurance company will request copies of all these documents as they begin to build their file.

    Request Additional Documentation
    Once the claim has been filed, the adjustor generally identifies him/herself, explains applicable policy limits, and asks the claimant or claimant’s personal injury attorney to provide documents that may be relevant to the claim. For example, an adjustor may ask for medical bills, medical records, proof of earnings, and proof of property damage.

    Investigate Injured Persons
    If you are the victim of an accident, the individual who caused your personal injury most likely has his insurance company investigating you. The opposing insurance company will look for any information that might defeat your claim or lower its value. For example, the company may Google you or examine insurance claims databases to see if you have ever filed a personal injury claim before. Adjustors may call your employer to find out how you are doing back at work. They even access accident victims’ Facebook pages to see if they have posts that suggest they are not truly injured.

  • What Are the Risks of Pharmacy Errors?

    Pharmacy errors happen every day. Unfortunately, when pharmacists make mistakes, the results can be disastrous for Gaithersburg residents who rely on prescription medications.​ Lawyers in Gaithersburg regularly counsel clients who have suffered personal injury due to pharmacy error.

    Most of these injury and accident cases are caused by a combination of circumstances, including overreliance on assistants, similar shapes, sizes, and colors of medications, a busy counter, and the repetitive nature of pharmacy work itself. These mistakes can cause individuals who are already sick to become even more ill. For example, a diabetic may be prescribed an inappropriate amount of insulin, or a bronchitis patient may receive too high a dose of antibiotics. While overdoses are common, patients may also suffer side effects, allergic reactions and withdrawal symptoms when they are prescribed the wrong medication. Sadly, personal injury lawyers report that the elderly are all too often the victims in personal injury cases that stem from completely avoidable pharmacy errors.

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  • Answering Common Questions About Your Rights After a Truck Accident

    If you have been involved in a truck accident in the Rockville or Gaithersburg area, your first step should always be to contact an experienced personal injury attorney who regularly handles truck accident claims . Each situation is specific, and only an experienced lawyer can guide you through your exact legal options. Still, all truck accident victims have basic legal rights regardless of the circumstances of their accidents. Keep reading to learn the answers to victims’ frequently asked questions about their rights after a truck accident. truck accident claims in rockville

    Can I Sue the Truck Driver’s Company After a Truck Accident?
    Usually. As long as the truck driver is employed by a trucking company, that company can be legally responsible for its driver’s negligence. That means both the individual trucker and his employer may be financially responsible for any costs the victim incurs due to personal injury, including pain and suffering, loss of current and future wages, and emotional trauma. Problems may arise when a trucker works as an independent contractor and does hauling for different companies, but as long as the company supervises the driver, your accident lawyer can argue that he was legally an employee.

    Can I Automatically Recover Against a Truck Driver Who “Jackknifed”?
    Not necessarily. While many truck accident claims involve eighteen-wheeler trucks that “jackknife,” drivers are not always liable for others’ personal injuries. Some examples include if the truck driver took an abrupt turn in an effort to avoid a stalled vehicle or another accident, or if there was an unforeseen defect or slipperiness in the streets.

    Can I Win a Lawsuit Even if I Was Partly at Fault?
    In only four jurisdictions across the country, including Maryland and Washington, D.C., any negligence by the victim which contributes to an accident will likely bar any recovery by the victim. Because of this harsh rule, it is not uncommon for a trucking company with obvious liability for an accident to argue that the victim was 1% at fault. In this way, they can completely avoid the consequences of a serious accident. You should always seek out a personal injury attorney who is experienced in accident claims to help establish your very strongest case and get the damages you deserve.