The Maryland Motor Vehicle Administration (MVA) reports that thousands of people are hurt or killed in Maryland car accidents every year. Crash report statistics have shown there has been a rise in Maryland car accidents every year since 2012. These incidents range from minor to severe, and Maryland car accident victims often suffer significant financial repercussions as a result of these accidents. Many accident victims do not realize that their insurance companies may not cover the extent of damages that they sustained. In these situations, injury victims may need to file a dispute with their insurance company to recover fully for their losses. In some cases, a Maryland personal injury lawsuit against the at-fault party may be necessary.
Injury victims are often surprised to discover that their insurance company is taking an adversarial role when the policyholder attempts to collect on a claim. Many times, insurance companies will go to great lengths to dispute a claim, deny coverage, and escape making a payment.
For example, recently, a state appellate court issued a ruling in a lawsuit stemming from a claim dispute between a policyholder and her insurance company. In that case, a woman suffered injuries while she was exercising at a mobile gym. The woman filed and settled a negligence lawsuit against the gym’s owner and the personal trainer. The gym was run out of the back of a pickup truck, so she filed a car insurance claim with her provider to recover her remaining damages. Her insurance company disputed coverage, arguing that her uninsured/underinsured coverage did not extend to motor vehicles such as a mobile gym. The insurance company cited specific provisions in her policy that limited the insurance company’s obligation to pay a claim. Ultimately, the appellate court ruled in the insurance company’s favor finding that the coverage did not extend to motor vehicles that are “located for use as a premises,” such as a mobile gym.