Car accidents can be stressful and overwhelming. After an accident, you may face injuries, property damage or both. Knowing how to file a car accident claim in Maryland can help you handle the situation more effectively.
Here are the basic steps of filing a claim.
1. Gather information at the scene
Immediately after the accident, gather key details. Collect the names and addresses of all drivers involved as well as the make, model and license plate numbers of the vehicles. If there are any witnesses, get their contact information as well. Their testimony can be crucial when filing a car accident claim.
2. Seek medical attention
See a doctor as soon as you can, even if you do not feel anything as some injuries may not show up immediately. Doing this promptly can document your injuries and help establish fault as you seek fair compensation.
3. Report the accident to your insurance company
Contact your insurance provider as soon as possible after the accident. Share all the details you collected at the scene with them. Your insurer can assist you in understanding the claims process and clarify your coverage.
4. Understand your coverage
Maryland follows a no-fault insurance system. This means your insurance will pay for your medical expenses and property damage regardless of who caused the accident. However, the minimum coverage is $2,500, which may not fully cover the costs of serious car accident injuries.
Additionally, the no-fault insurance system does not apply to vehicle damage. The person responsible for the accident must cover car repairs.
5. File a third-party claim
If you can establish that the other driver is at fault, you may be able to file a claim with their insurance provider and recover compensation for damages. However, disputes over who is at fault may prolong the process.
6. Consider legal help
Filing a claim can be complicated. If you encounter difficulties, it can be helpful to consult with an attorney. They can guide you through the process, fight for the and help protect your rights. If liability is unclear, legal assistance may also provide some clarity.
While the process of filing a car accident claim in Maryland can seem daunting, knowing what to expect can make it more manageable.