While car insurance is supposed to assist Maryland car accident victims in getting back on their feet after an accident, the unfortunate reality is that insurance companies are often looking for ways to get out of paying up. However, an insurance policy is a legally binding contract, whereby the insurance company agrees to pay for an accident victim’s costs related to covered claims.
Thus, when an insurance company refuses to pay out on a claim, or it only offers a low-ball settlement offer that does not cover an accident victim’s costs, the accident victim has the right to ask a court to compel the insurance company to pay. When courts are confronted with these cases, they usually start by reading the policy language and determining if the claim was covered.
A recent case illustrates the difficulties one accident victim had when filing an uninsured motorist claim based on injuries that occurred while operating a vehicle that was furnished for his everyday use.