Earlier this month, an appellate court in Georgia issued a written opinion in a personal injury case that illustrates the kinds of difficulties that Maryland car accident victims routinely face when filing claims against an insurance company following an accident. The decision issued by the court held that the plaintiffs were only entitled to $250,000, which was the limit under their single insurance policy, despite the plaintiffs’ claim that they had two policies with the insurance company.
The plaintiffs were the surviving family members of two people who were killed in a tragic car accident. The driver responsible for the accident had insufficient insurance coverage to compensate the plaintiffs for their loss, so they filed a claim with their own insurance company under the underinsured motorist provision. The insurance company paid the plaintiffs $250,000, which was the maximum under the policy.