How to Handle Injuries from Auto Accidents in Maryland
Auto accidents can lead to various injuries, and navigating recovery in Maryland requires knowledge of both medical and legal aspects. If you or someone you know has been injured in an auto accident, it's crucial to follow certain steps to ensure proper care and to protect your rights.
1. Seek Medical Attention Immediately
Your health is the top priority. After an auto accident, seek medical attention even if you believe your injuries are minor. Some injuries, like concussions or internal bleeding, may not show immediate symptoms. Visiting a healthcare professional ensures that all injuries are documented and treated properly.
2. Document the Accident
Gather as much information as possible at the scene of the accident. This includes taking photographs of the vehicles involved, the accident site, and any visible injuries. Obtain contact information and insurance details from other parties involved. Witness statements can also be invaluable, so ask bystanders for their contact information.
3. Report the Accident
In Maryland, you must report auto accidents to the Maryland State Police if there are injuries, fatalities, or property damage exceeding $500. Ensure that a police report is filed, as this can serve as official documentation when filing a claim.
4. Notify Your Insurance Company
Contact your insurance company promptly to report the accident. Provide them with all relevant details, but avoid giving recorded statements until you have legal advice. Understand your insurance coverage, including Personal Injury Protection (PIP) benefits, which may cover medical expenses regardless of fault.
5. Consult an Experienced Personal Injury Attorney
Navigating personal injury claims in Maryland can be complex. Consulting with an experienced attorney who specializes in auto accident cases can help you understand your rights and responsibilities. They can assist with negotiations with insurance companies and provide guidance on pursuing compensation for medical expenses, lost wages, pain and suffering, and other damages.
6. Keep Detailed Records
Maintain all documentation related to the accident and your injuries. This should include medical records, bills, time off work, and any correspondence with insurance companies. Keeping these records organized will support your claim and help your attorney build a strong case.
7. Understand Maryland's Contributory Negligence Rule
Maryland follows a contributory negligence rule, meaning that if you are found to be even 1% at fault for the accident, you cannot recover damages from the other driver. This makes it critical to establish clear evidence regarding the accident’s circumstances. An attorney can help you navigate this complicated legal terrain.
8. Focus on Your Recovery
In the aftermath of an auto accident, focus on your recovery. Follow your healthcare providers’ recommendations and attend all follow-up appointments. Engage in physical therapy if recommended, as this will help you regain strength and mobility.
9. Be Wary of Settlement Offers
Insurance companies may offer quick settlements to minimize their payout. These initial offers often do not cover the full extent of your medical expenses, lost income, or future rehabilitation costs. Consult with your attorney before accepting any settlement to ensure it fully addresses your needs.
10. Stay Informed About Your Case
Stay engaged throughout the process of your claim. Regularly check in with your attorney about the status of your case and any developments that may arise. Being informed can help you navigate the process more effectively.
Experiencing an auto accident can be overwhelming, but understanding the steps to take can significantly ease the recovery process. By prioritizing your health, seeking legal counsel, and staying organized, you can effectively handle injuries sustained in an auto accident in Maryland.