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January 24, 2024

Is It Worth Hiring An Attorney For A Car Accident In Maryland?

Simply put, yes, it is a good idea to hire an attorney after a car accident in Maryland, even just a small one.

When considering whether to hire an attorney after a car accident in Maryland, it's important to understand the various factors that can influence such a decision. Maryland's unique legal landscape, including its "at-fault" system and contributory negligence rule, plays a significant role in determining liability and compensation after an accident.

Additionally, dealing with insurance companies can be complex and challenging, often requiring skilled negotiation to ensure fair compensation. The severity of injuries, the complexity of the case, and the potential for legal representation to significantly increase compensation are all critical considerations.

 In this context, we will explore insights from various Maryland legal resources to provide a comprehensive view of when and why it might be beneficial to hire a car accident lawyer in Maryland.

an image of legal textbooks

Understanding Maryland's Laws

Maryland operates under an "at-fault" system, meaning the person responsible for the accident is typically liable for damages. However, Maryland also follows a strict contributory negligence rule, which can prevent you from recovering damages if you are found even 1% at fault

At-Fault System

In Maryland, the individual who is responsible for causing the car accident is typically liable for any resulting damages. This means that if another driver is at fault for the accident, their insurance should cover your medical expenses, property damage, and other losses. This system necessitates determining fault accurately, which can sometimes be complicated, especially in accidents where the circumstances are not clear-cut.

Contributory Negligence Rule

Maryland's adherence to the contributory negligence rule adds an extra layer of complexity to car accident cases. Under this rule, if you are found to be even minimally at fault for the accident (as little as 1%), you could be barred from recovering any damages. This is one of the strictest interpretations of negligence laws in the United States. For example, if it's determined that your actions contributed in a minor way to the accident, you may not be able to receive compensation from the other party, even if they were predominantly at fault.

Role Of A Lawyer In Navigating These Laws

Given these complexities, the role of a lawyer becomes particularly important. An experienced attorney can help in several ways:

  • Determining Fault: They can help gather and present evidence to establish the other party's fault, which is crucial under the at-fault system.
  • Navigating Contributory Negligence: Lawyers are adept at handling the challenges posed by the contributory negligence rule. They can work to minimize your responsibility in the accident or argue against claims of partial fault.
a person going over an insurance policy

Dealing with Insurance Companies

Dealing with insurance companies after a car accident can be a complex and often challenging process. Insurance companies, driven by their business models, typically aim to settle claims for the lowest amount possible. This is where the role of a lawyer becomes particularly significant:

Negotiation Skills

Lawyers bring expert negotiation skills to the table. They are experienced in dealing with insurance companies and understand how to counter lowball offers. A lawyer can effectively argue the value of your claim, taking into account all aspects of your losses, including medical expenses, lost wages, pain and suffering, and any future costs related to the accident.

Understanding Insurance Company Tactics

Insurance companies may employ various tactics to reduce the value of your claim or deny it outright. This can include questioning the severity of your injuries, suggesting that you had a pre-existing condition, or arguing that you were at fault for the accident. Lawyers are familiar with these tactics and know how to respond to them effectively.

Comprehensive Claim Evaluation

An attorney can thoroughly evaluate the full extent of your claim, ensuring that all current and future costs are accounted for. This is crucial because initial offers from insurance companies may not fully cover long-term medical treatment, rehabilitation costs, or extended periods of lost wages.

Legal Strategy

If negotiations with insurance companies are unfruitive, a lawyer can advise on the best legal strategy moving forward. This might include filing a lawsuit, which can be a powerful motivator for insurance companies to offer a fair settlement.

Protection Against Unfair Practices 

A lawyer can protect you from unfair practices by insurance companies, such as delayed processing of claims, unjustified denials, or pressure to accept quick settlements. They ensure that your rights are protected and that you receive fair treatment throughout the claims process.

Documentation and Evidence Gathering 

Attorneys assist in gathering and organizing the necessary documentation and evidence to support your claim. This includes medical records, accident reports, witness statements, and any other relevant information that can strengthen your case.

Evaluating the Merits of Your Claim

Evaluating the merits of your car accident claim is a crucial first step in the legal process, and this is where a car accident lawyer can be particularly invaluable. During an initial consultation, which is often offered for free by many law firms, the lawyer will listen to your account of the accident, review any evidence you have, and provide an assessment of your claim's potential success.

This evaluation is not just about determining whether you have a case, but also about understanding the strengths and weaknesses of your claim. The lawyer will consider various aspects, such as the extent of your injuries, the clarity of fault or liability, and the impact of the accident on your life. They will also examine the evidence available, such as police reports, medical records, and witness statements, to determine how well these support your claim.

Takeaway

Hiring a lawyer after a car accident in Maryland is always a good idea. In the case of a small accident you may be able to get away without too much trouble but when parties claim injury, an attorney is necessary to protect the rights of both parties and ensure a amenable outcome.

If you have been injured in a car accdient, or just need advice following a fender bender, please reach out to Shultz Legal today!