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An Overview of Personal Injury Protection (PIP) in Maryland

Surviving a car accident is no simple feat, but you are expected to perform the proper procedures to ensure that you can uphold your rights. This will be valuable if you plan to file a personal injury claim to receive reparations from the incident.

All claims have a set time frame for filing, whether it’s a business transaction or a personal injury. Although most claims follow a standard statute of limitations, calculating the exact deadline will depend on your case’s condition. For example, some governmental agencies have particular notices necessary for specific accidents to preserve your right to file and accomplish your claim’s processing.

Following the deadline of statutes of limitation

Among the many deadlines you have to observe, it’s best to note the statute of limitations on your particular case. Remember that every state will have varying regulations and provisions for special legal procedures. For automobile accidents that occur within Maryland’s jurisdiction, a claimant must file a lawsuit within three years of the date of the crash. If the deadline falls on a non-working holiday or weekend when courts are unreachable, you may still file the case on the following working day that courts are open.

It’s best to avoid waiting for the last minute until you file your suit. Otherwise, you won’t have any allowances for revisions or adjustments on your case. Remember that attorneys need to perform their due diligence in researching and comparing documents and evidence to finalize your claim. This is why you should consult with a lawyer at least 6 months before submitting the limitations period’s deadline.

Understanding the deal with insurance companies

One recurring factor that tends to delay a claimants lawsuit is their need to negotiate with their insurance company. Remember that these organizations do not have to observe the statute of limitations deadline. Because of this, you need to settle on a particular value to finalize your claim. Some accident victims need to file a claim against their insurance company for limited or lacking insurance benefits. These breach of contract claims also have a three-limit window, but the limitations period will depend on when the claimant was made aware of their grievances with the said insurance company.

Connecting Personal injury protection (PIP) claims and Maryland law

Personal injury protection (PIP) claims allow a claimant to secure reparations through insurance that will pay for a set amount regarding lost wages and medical expenses due to an accident. In Maryland, the severity of the condition isn’t as important since PIP claims are paid regardless of fault. However, the claimant must submit a PIP application as soon as one year after the crash. Additionally, reimbursement for their incurred expenses will only be allowed within three years from the date of the accident.

Remember that Maryland law has a different type of notice for claims concerning negligent drivers without insurance or unreachable after the accident. The Maryland Automobile Insurance Fund (MAIF) establishes a 180-day notice requirement with particular provisions you must fill out for an Unsatisfied Claim and Judgement claim. However, this only awards the claimant a cap of $30,000 at most in reparations.

Conclusion

Simply knowing the standard operating procedures of courts in handling automobile accident claims won’t be enough for claimants, especially during these trying times. COVID-19’s impact on state and federal authorities’ legal infrastructure may have specific emergency provisions in place. Not knowing these new rulings could affect how you should approach your case’s preparation. For this reason, it’s vital to hire a legal expert familiar with the recent developments concerning COVID-19’s impact on your legal engagements.

Personal injury cases can be stressful, especially if you’re in no condition to handle the legal and logistical paperwork for your claim. This is why our expert attorneys are ready to oversee and handle your case for you. If you need an auto accident or personal injury lawyer in DC, get a free consultation by calling us at 202-804-0246.

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