Life is filled with unexpected events that can turn your life upside down. A road accident or a flood can be financially devastating, so we carry insurance to protect us from these large and unanticipated expenses. In some cases, you can file a claim and recover a settlement quickly, but that isn’t true for every insurance claim, and sometimes you have to fight to get the compensation you need.
Insurance Requirements in Maryland
Maryland requires you carry insurance on your autos and motorcycles. Your minimum vehicle insurance requirements in Maryland include:
$30,000 for the injury or death of a single person
$60,000 for total for injuries or deaths if two or more persons
$15,000 for property damage
You may be required carry home insurance if you are paying off a mortgage. The Maryland Insurance Administration has a guide that can help you choose the right home insurance policy for your needs.
Some communities in Maryland are located in a floodplain can get insurance through a federal program called the National Flood Insurance Program (NFIP). To determine if you need to obtain flood insurance, you can visit http://mdfloodmaps.com/more_information.html.
Reasons Your Claim Can be Denied
You delayed getting medical attention-Sometimes in the aftermath of an accident; some victims don’t get immediate medical treatment. If you put off seeing a doctor, an insurance adjuster can claim that your injuries were not the result of your accident or that you are partly responsible for the severity of your injuries.
Your claim is excluded by your policy-Insurance policies are confusing, so many people are unaware of the types of injuries or damage is covered by your policy. If you care confused about what is covered by your policy, you should contact your insurer and have them explain what is covered.
The claim is incomplete- Your claim can be denied if you or your physician omitted information from your complaint. It is easy to remedy this type of denial by correcting the error and re-submitting your claim.
Your insurer believes your injury was a preexisting condition- Insurance claims denial lawyers point out that this can become a bit tricky if your insurance company is claiming your injury was caused by something that already occurred. You must be able to demonstrate that your pain and suffering was the direct result brought on by the accident that occurred.
Insurance fraud in Maryland
Insurance fraud affects everyone in Maryland through higher premiums and deductibles. It occurs when an agent of insurance company lies to a policyholder or when an individual files a false insurance company for financial gain.
Types of insurance fraud
Giving false statements
Selling unauthorized insurance
Arson for profit
If you need to file an insurance claim, USAttorneys recommends you speak with an insurance claims attorney. Our top-notch team of lawyers in Maryland will help you overcome any hurdles you encounter when filing an auto, home or medical insurance claim.