Yosef Kuperman's answer File a complaint with the Maryland Insurance Administration. If you go through their online complaint process, you get more information. (They probably won't actually do anything. But they'll get you straight answers.)
Mark Oakley's answer The language has to be in the policy. Demand that your insurance agent provide you with the exact provision that precludes your claim. In my experience, however, insured owners generally cannot recover for their own negligence under their policy, with collision coverage being the only insurance coverage offered to address that type of claim.
Timothy Fizer's answer There are different bases for bad faith, whether first party or third party. There also are two different approaches. One is under Title 27 of the Insurance Code - Unfair Trade Practices and Other Prohibited Practices. The other is under § 3-1701 of the Courts & Judicial Proceedings Article, titled "Actions Against Insurance Providers to Determine Coverage." If you have a significant amount involved, it would serve you best to hire counsel to assist in addressing this properly.
Yosef Kuperman's answer It sounds like you were an excluded operator on your family's policy. That means your family's policy on the car will not cover you. If you had another policy, (i.e. you also own a car and that car has insurance) then it may under some circumstances provide coverage. But that sounds unlikely.
It's possible that he's suing you because he needs to as part of an uninsured motorist claim. Uninsured motorist coverage protects him against being hurt by an uninsured driver. If his carrier is...
Mark Oakley's answer Who’s policy limits, yours or the at-fault party’s? So long as you have not settled with and released the at-fault party from the claim, you can sue the at-fault party; however, any recovery you received under your own policy must be reimbursed first out of money recovered from the at-fault party, then you can keep the excess. The at-fault party will have to have assets you can execute on after obtaining a judgment. If you settled the claim against the at-fault party’s policy, then more...
Ronald V. Miller Jr.'s answer I don't think this is a medical malpractice case. Did you call the lab and tell them you no longer want to take the test and explain why? I doubt they would hold your feet to the fire if you have not yet taken the test.
Eric Todd Kirk's answer It does not appear that you are represented by counsel. The the fact that you are at this stage, with the various orders you indicated, but without any worker's compensation benefits to show for it, suggests to me that perhaps it is time to change that plan of action. Many WC lawyers offer free consultations. I would strongly urge to to arrange on or more to discuss these issues. Best of luck.
Ronald V. Miller Jr.'s answer The key is going to be in the policy language. I think you may have something to go on here. It is probably going to depend on how long you were in North Carolina. But I can't imagine the policy reads to suggest that you actually have to be on the premises and cannot take a sojourn out fo the state. So ask them to show you the specific policy language that controls and post the answer and hopefully I or someone else will give their thoughts.
Cedulie Renee Laumann's answer There are ways to obtain copies of insurance policies even if you do not have the physical copy in hand. You may wish to schedule a consultation with an attorney who can review the specific details of your situation and offer some advice.
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