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Search results for “medical necessity”

20 results

My cousin says the insurer can call my treatment unnecessary and skip the bill

A freelance contractor in Rockville gets caught in a two-impact crash and the insurer tries the oldest move in the book: say the care wasn't necessary.

ARTICLE by Ravi Patel

How much is a back injury worth after a Baltimore construction zone crash?

A back injury claim in Baltimore can still have real value even if you had prior back problems and the first doctor chart is a mess.

ARTICLE by DeAndre Jackson

How much is a Frederick pedestrian crash worth if I'll need treatment for years?

What the insurance company does not want you to know is that future medical care and lost earning power can be worth far more than the first stack of ER bills. What should have...

Prior CO2 Leak Knowledge in a Maryland Job Site Case

If your breathing problems showed up after a workplace gas exposure and you later learn the employer already knew the system was dangerous, that fact can seriously change how causation, notice, and the value of the case get argued.

ARTICLE by Sandra Kim

Rear-ended at an Annapolis stoplight, and now your cashier job says prove you're hurt

Old Facebook or Instagram photos do not magically erase a real motorcycle injury, but the insurer and sometimes your employer will absolutely try to use them that way.

ARTICLE by Miguel Rodriguez

Is a Maryland crash claim worth it if I only needed fetal monitoring?

The mistake that sends people to Google is this: after a summer crash on Baltimore Avenue/Route 1 in College Park or merging onto I-495, the ER says the baby looks okay after a...

The criminal case won't save your deadline in a Rockville road-rage crash

A driver getting charged for intentionally ramming your rig can help prove fault, but in Maryland it does not pause the civil deadline.

ARTICLE by Miguel Rodriguez

Sorting Out Coverage After Maryland Rideshare Crash

If a rideshare crash happened in Maryland while the app driver was actively on a trip, the fight is usually over which policy is primary, who gets blamed, and whether contributory negligence kills the claim.

ARTICLE by Dwayne Patterson

deliberate indifference standard

Defense lawyers often lean on this phrase to argue that a bad outcome, a missed warning sign, or even a series of poor decisions was "just negligence" and not enough for a...

failure to intervene

A failure to intervene happens when someone with the duty and real chance to stop wrongdoing does nothing. Each part matters. "Duty" means the person was not just nearby; they...

Every insurer in Baltimore keeps saying you were partly at fault - why

In Maryland, one tiny fault finding can wreck a crash payout, and in a multi-car Baltimore case the insurers know exactly how to use that against you.

ARTICLE by Dwayne Patterson

Non-economic damages

Mix this up with economic damages, and a claim can be valued far too low. That usually shows up when an insurer pays attention to bills, wage loss, and car repairs, but gives...

The adjuster says stop PT, dispatch says keep driving, and both are wrong

A Bowie truck driver hit by a merging semi usually has three years to sue in Maryland, but some of the most important deadlines hit way earlier than that.

ARTICLE by Dwayne Patterson

Your coworker got $70,000 after a Frederick wreck - why are they offering you $6,000?

A Frederick accountant gets sideswiped by a driver on the job and runs into the ugly fight over company coverage, low policy limits, and mental health being blamed on "pre-existing" problems.

ARTICLE by Tony Marchetti

Can a Facebook post wreck my College Park crash case?

$25,000 can disappear fast from a claim when an insurer gets a damaging post. From the insurance company's perspective: yes - they want one smiling photo, one "I'm fine"...

Money can turn on a few feet. When a person, rider, or object is thrown during a crash, the measured distance from the point of impact to the place where that person or object...

Can my employer cut my hours for a Maryland UM claim after hit and run?

Maryland requires uninsured motorist coverage on every auto policy, and a UM claim is a claim against an insurer, not against your employer. The controlling rule is Md. Code,...

Not just a few photos, a rough sketch, or a cop's memory of where the cars ended up. That's the usual mistake. Scene mapping is the measured layout of an accident site - using...

Why is insurance lowballing my College Park bike crash when my doctor says I'm hurt?

Yes - if the ER or your doctor documented a real injury, a low offer usually means the insurer is pricing your case for leverage, not fairness. What your doctor says and what...

Should I settle my Annapolis crash claim now or clear Medicare and VA payback first?

"Who paid your medical bills?" That is the adjuster question that matters, because the answer decides who gets paid out of your settlement before you do. The smarter move is...