In a nutshell, yes you need to obtain and provide the insurance & vehicle information for the other vehicle because prior to issuing payments for your repairs, your insurance needs to complete a preliminary 'investigation' in order to conclude that the claim is valid and that you are... View More

I'm sorry about your accident. I hope everyone involved is okay. My colleagues outlined good points. I'd add that it would be important to act without delay here. If your insurance carrier chooses to investigate the matter more closely, including traffic control devices, camera footage... View More

An “out of state agency” is suing you? You need to be more specific. If the car you were driving had insurance, then you need to immediately notify that insurance company and they will hire a lawyer to defend the action and pay any judgment against you, if any. If the car you were driving was... View More

Both you and your daughter can be sued. The lack of a police report does not preclude a lawsuit. However, you may have a defense to the lawsuit if your daughter was not your agent at the time of the accident. If you and/or your daughter are sued, turn the matter over to your insurance company and... View More

If your parents get new insurance and include you as a listed driver, then you would be covered under the new policy. You are not covered under their current policy so you should not drive any of their vehicles until a change is made.

If your parents take out a new policy and do not list... View More

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answered on May 27, 2025

Sort of. Auto insurance policies typically follow the vehicle rather than the driver. So the good news is that if you're driving a car with the owner's permission, the car's insurance policy generally provides coverage in the event of an accident, assuming you are not an excluded... View More

This is a 3 point offense. Requests a trial, not a waiver hearing.

The correct citation is Transportation Code, Section 21-405(e)(2)(i):

(e)

(1) This subsection applies to a stopped, standing, or parked vehicle that is:

(i) 1. On a highway;

2. Using a visual... View More

This is a moving violation. I believe it is 1 point unless it was an accident in which case it is 3 points. You should request a trial and not a waiver hearing and go to court. If the officer does not appear, you will be acquitted. If the officer is present, you can decide whether to have a trial... View More

If the car is totaled, the insurance company will pay you the fair market value of the vehicle plus 6% sales tax and tags. If you wish to keep the vehicle, they will deduct salvage value and you will have to get a salvage title. It may be more expensive and difficult to insure the vehicle. You do... View More

You could be charged with a crime such as insurance fraud. The insurance company could also deny your claim and refusxe to pay any damages. You should consult with an attorney before having any contact with the insurance company or the police if they get involved. You should also not post any more... View More

It is up to your Dad's insurance company to decide whether to pay the claim. If his insurance company pays the claim, your rates will increase. The findings of the police officer or entries on Case Search are irrelevant. The police report can be obtained, but is not on Maryland Judiciary Case... View More

James L. Arrasmith Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Sep 2, 2025

Dealing with a total loss settlement can feel overwhelming, especially when the offer doesn’t reflect the true value of your vehicle. You have the right to push back and provide evidence that the market value is higher than what the insurance company is offering. Start by gathering recent... View More

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answered on Aug 8, 2025

This situation is frustrating, and you're not alone—many people don’t realize insurance policies can stay active long after a car is returned or sold if not officially canceled. Unfortunately, insurance companies typically don’t offer refunds for periods where the policy was active... View More

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answered on Jul 26, 2025

This kind of situation depends on how the secondary insurance plan coordinates benefits with the primary. Typically, secondary insurance may cover all or part of what the primary insurance doesn't, but it won't always pay the remaining 20%. Some plans only pay up to what they would have... View More

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answered on Jul 11, 2025

You're right to question what happened, especially when the coverage you were told you'd have suddenly changed. In Maryland, Section 19-510 of the Insurance Article does allow for uninsured/underinsured motorist (UIM) coverage to be waived, but only if the waiver is knowingly and properly... View More

It may be worth looking into local requirements for registration/insurance/other administrative issues with government agencies in Columbia, whether directly through them or through the U.S. Embassy - despite the protections and privileges of consular arrangements. Good luck

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answered on May 14, 2025

You're right to keep a close eye on the timeline, especially since the money came out of your account weeks ago. In Maryland, there isn’t always a strict, legally defined number of days for an auto insurance refund, but most companies aim to process refunds within 7–10 business days from... View More

If you were uninsured, you should retain an attorney to defend the lawsuit. You may want to also speak with a bankruptcy attorney.

Very few personal injury attorneys handle property damage only claims because of the economics involved. (It's not enough money for the work involved.) Search for an attorney who deals with property damage claims. Good luck.

You can look up the ticket here to see if it carries points:

https://www.mdcourts.gov/sites/default/files/court-forms/dccr090public.pdf