Have you recently been involved in a car crash in Maryland your car is damaged, maybe even un-drivable. One of the many questions on your mind is – ‘who is going to pay for this?’. If you were not at fault for the accident then the at fault driver is responsible.
In Maryland all drivers are required to have auto insurance. Its this auto insurance that will represent the at fault driver. You could also have your insurance company for the repair. If you use your insurance to pay for the damage to your car you will have to pay your minimum deductible up front. This assumes you have collision coverage on your auto insurance policy. Typically your insurance company will send an adjuster out to survey the damage to the vehicle.
Auto Accident Lawyer Maryland | 410-484-1111 | Maryland Car Accident Lawyer
They may help you find a repair shop if you do not have one already and authorize the repair cost. The benefits to using your own insurance company would be the speed and ease of the repair. Dealing with your own insurance company is typically easier and faster than dealing with the other guys insurance company. The biggest disadvantage is the paying the deductible for the repair. This deductible amount will vary based on your insurance company and policy details. However if you are not at fault you will ultimately be reimbursed for this cost.
What about dealing with the at fault drivers insurance company? The first thing you will notice is that dealing with the other insurance company is typically going to be difficult and will probably take longer. They will also send an adjuster out to survey the damage and get estimates on the repair costs. Remember in Maryland we follow the law of contributory negligence. Meaning you must show the at fault driver was 100% at fault for the accident. Until the fault has been determined the repairs may not be authorized by their insurance company. Regardless of what insurance company you use you have the right to choose what repair shop completes the repair.
Maryland Car Accident Lawyer | 410-484-1111 | Auto Accident Lawyer Maryland
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