There are some things that an insurance company in Maryland may be concerned with when trying to determine what your damages actually are. First of all, it’s important to understand that an insurance company is out to do one thing, and that is to save money. So, when you’re involved in an auto accident and the other driver is at fault, his or her insurance company will be responsible for covering your injury as well as any property damage. When the insurance company reviews what your damages are, the first and foremost thing that they want to do is try to cut the damages off as quickly as possible. They want to keep their expenses as low as they can. So, oftentimes they will quickly pay for any and all property damage at full value.
The insurance company will look at exactly what your medicals are at that point, which is very early on in the stages of the accident, and then most often cover those medical bills. According to FreeAdvice, that offer will then be made to you. And if, in fact, you accept that offer, they no longer will be exposed to any further liability in regards to property damage or, of course, most importantly, potential injuries that you need recovering treatment for.
You should always talk with and consult with an attorney before going forward with any settlements. The job of the insurance company is to quickly reach you and quickly settle the case so that their exposure is very limited in regards to recovery from both your property damage and your personal injury. But it’s always important to know that if your personal injury goes beyond that settlement, you yourself will have to be responsible because you’ve ultimately ended the case.