The Role of Insurance Companies in a Personal Injury Case in Maryland

personal injury case

Personal injury cases can be complex, especially when it comes to navigating insurance claims and working with insurance companies. Your insurance company can help you to cover the cost of treatments and fight for you. However, they can also work against you and fight to pay out as little as possible. What should you understand about the role of insurance companies in your personal injury case?

What Constitutes a Personal Injury Case?

In Maryland, personal injury cases can be filed whenever someone is injured due to the negligence or wrongful actions of someone else. Personal injury law encompasses a wide range of accidents, including car accidents, slip and fall accidents, medical malpractice injuries, and more. When you are pursuing compensation for the harm that you endured as a result of the accident, you will typically file a claim with the other party’s insurance company.

How Are Insurance Companies Involved?

Insurance companies play a big role in personal injury cases by providing coverage and potentially compensating the injured party for their losses. However, insurance companies are primarily profit-driven entities. As such, their first objective is to minimize payouts and protect their financial interests, not to help you out. Insurance companies and adjusters are constantly looking for ways to decrease your payout or find fault in your actions. Working with an attorney is one way to lower your risk.

Do Insurance Companies Investigate Your Personal Injury Case?

Yes! Insurance companies will investigate any claims that you make. When you file a personal injury claim, the insurance company will conduct a separate investigation to assess liability and determine the extent of damages. This investigation can involve things like reviewing medical records, police reports, witness statements, and other relevant evidence. Insurance adjusters are tasked with evaluating the claim and negotiating settlements on behalf of the insurer.

In many cases, insurance companies will try to settle claims out of court to avoid lengthy and expensive litigation. They might offer a settlement amount to the injured party before proceedings begin. However, it’s crucial to carefully consider any settlement offers and consult with an attorney to ensure you are receiving fair compensation. Insurance companies will often lowball victims initially to minimize their financial losses.

Partner with an Experienced Personal Injury or Car Accident Attorney at The Law Office of Elizabeth Anu Lawrence

If you or a loved one are concerned about finding the right car accident lawyer for your case, choose an experienced firm like the Law Office of Elizabeth Anu Lawrence to give you the help you need.  Please give us a call at 443.352.3201. Skype and telephone consultation are both available to clients.

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    Law Office of Elizabeth Anu Lawrence, LLC.
  • Address: 90 Painters Mill Road Suite 201 Owings Mills, Maryland 21117
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