Maryland Insurance Bad Faith Questions & Answers

Q: What should I do if an insurance company ignores my requests for more information on my claim?

2 Answers | Asked in Insurance Bad Faith for Maryland on
Answered on Nov 10, 2018
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.)

Q: Can I sue myself in Maryland for auto property damage liability? Details below.

1 Answer | Asked in Contracts, Insurance Bad Faith and Insurance Defense for Maryland on
Answered on Nov 8, 2018
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.

Q: How do I file a bad faith claim against an insurance company?

1 Answer | Asked in Insurance Bad Faith for Maryland on
Answered on Oct 7, 2018
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.

Q: Will he/his insurance company have grounds to sue? Should I be pursuing legal action?

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Maryland on
Answered on Aug 7, 2018
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...

Q: We feel we weren't given enough money based on the policy limits for our claim - what's the next step?

1 Answer | Asked in Insurance Bad Faith for Maryland on
Answered on May 15, 2018
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...

Q: Informed a specific lab test was unavailable after I was already obligated to pay. Discrimination? What are my options?

1 Answer | Asked in Health Care Law, Insurance Bad Faith and Medical Malpractice for Maryland on
Answered on Mar 30, 2018
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.

Q: What happens if insurance company wont open a claim with a tpd order , ppd order, and penalties filed for 40% with com?

1 Answer | Asked in Insurance Bad Faith and Workers' Compensation for Maryland on
Answered on Apr 21, 2017
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.

Q: An act of vandalism and theft happened on the insured property recently. The insurance denied the claim.

1 Answer | Asked in Insurance Bad Faith for Maryland on
Answered on Apr 19, 2016
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.

Q: My lawyer said there was no homeowners insurance, now she says it is and my share will be 2200 after waiting 2 yrs

2 Answers | Asked in Insurance Bad Faith for Maryland on
Answered on Jul 14, 2015
Adam Studnicki's answer
Sit down with your lawyer and ask her to explain the details to you.

Q: We sold a rent prop years ago. USAA won't rep us in Ld Paint suit now b'cuz we d't have policy.

1 Answer | Asked in Insurance Bad Faith for Maryland on
Answered on Jun 2, 2012
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.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.