Maryland Insurance Defense Questions & 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: Water Damage

1 Answer | Asked in Insurance Defense for Maryland on
Answered on Sep 27, 2018
Joseph D. Allen's answer
At this point, you should simply notify (in writing) the Condo Association and/or the contractor that you are unsatisfied with the work. If you do not get a reasonable response (reasonably promptly), you might then want to speak with an attorney about the facts and if you have a viable claim, and against whom. It is also possible your insurance would compensate you, and help deal with the responsible parties- but you should make a claim fairly quickly.

Q: Is my insurer required to hire outside counsel to defend me against a lawsuit?

2 Answers | Asked in Insurance Defense for Maryland on
Answered on Sep 14, 2018
Mark Oakley's answer
If you have liability insurance and the claim against you alleges you were negligent, then yes, they should provide and pay for a lawyer if you are sued.

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: Can a person collect a payment from PIP if they only have guest PIP?

1 Answer | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Jul 6, 2018
Camille Brooks Ibrahim's answer
Yes PIP is only exhausted when the primary insurance of the driver doesn't have PIP

Q: Do I only need to contact insurance adjuster and in what amount of time to not have my claim permanently closed?

1 Answer | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Mar 15, 2017
Eric Todd Kirk's answer
This question is difficult to answer without context. A claim would be permanently closed if you signed a release, if your claim went to trial and no appeal was taken, or, if 3 years had elapsed without your filing a lawsuit from the date of personal injury. You also mentioned you need to find an attorney. If you are represented, of course you should direct all questions to him or her. If not, you need to consult immediately with a seasoned personal injury lawyer.

Q: Can I get copies of interactions between my attorney and the insurance company, from attorney?

2 Answers | Asked in Insurance Defense and Personal Injury for Maryland on
Answered on Mar 3, 2017
Paul D'Amore's answer
Absolutely. You have a right to all communications between your lawyer and anyone else relevant to your case. While a telephone call should suffice, I suggest you send a letter or an email to your attorney making the request.

Q: Hello, I'm trying to locate a life insurance policy from 1997

1 Answer | Asked in Insurance Defense for Maryland on
Answered on May 31, 2013
Thomas C. Valkenet's answer
We struggle with this, too, in probate matters. It is a long process, since companies are bought, sold and go out of business. Is an Estate opened? Are you Personal Representative? And how do you know stepmother destroyed anything? So many questions.

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