Cecil County’s Top 5 “Hot Spots” for 2016 Accidents #4

We’re continuing out countdown of the most dangerous accident spots in Cecil County, Maryland for the calendar year 2016. Last week we saw the 5th most dangerous accident intersection(s) as rated by the cases my office handled in the 2016 calendar year.

4. Rt 40 and Rt 213 (Bridge St/Augustine Herman Highway)

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If you were to have asked me what intersections I thought were the most dangerous in 2016 without actually looking at the numbers this one would have been my guess for the top spot. Surprisingly, this intersection ranked number 4 on the overall list for 2016 accidents.

Yes. That mean’s there are 3 intersections in Cecil County Maryland that we handled more accidents from than the interchange between Rt 40 and Rt 213!

This is likely one of the busiest intersections in Cecil County, right in the heart of Elkton. The intersection of 2 major county arteries is also the intersection of many many vehicles, not in a good way!

The lights here are on a timed sequence, but they’re not entirely consistent. If you’ve ever tried to turn left onto 213 from the eastbound Rt 40 lane, you know that left arrow lasts maybe 3 or 4 cars…if everyone is paying attention!

Be careful traveling through this intersection, and don’t try to “speed up” and beat any lights here, otherwise you might become a client of ours, or even worse create a client for our office. Don’t just be careful here, but also be careful in our #3 most dangerous intersection for 2016.

If you’re injured in an accident in Cecil County, or anywhere in the State of Maryland please call our office at 410-885-6200. We’re happy to discuss your claim, and handle all dealings with insurance companies on your behalf. Most importantly, we don’t charge you anything up front, and only get a fee if we are successful in getting you money.

How long will my injury case take?

There are a variety of common questions asked by clients who I represent in their Maryland Injury Cases. In previous articles I’ve discussed the number one question asked, which is what is my accident case worth. The number two question is usually how long will my injury case take. This question is almost as tricky as the case value one, and equally difficult to answer in the early days and weeks of an accident case.

First of all, we’re dealing within injury cases here. These cases are valued, as noted in the previous article, based upon the injuries sustained and the recovery time required for those injuries, you’ll arrive at the baseline time required to resolve on of these cases. There are very few instances in a Maryland personal injury claim where it is appropriate to settle that claim prior to the claimant being completely finished with treatment for injuries. That being said, any discussion of the timeframe for resolving one of these starts with the treatment time for injuries.

Our office does most of the groundwork on these claims within the first days and weeks following the incident, and our being hired by a client. This includes contact with insurance companies, setting up of claims, requesting medical records, requesting additional documentation, etc. Most of this “heavy lifting” that sets the stage for the rest of the claim is done early on, and usually quite efficiently within our office.

Then we wait. We wait until our client has reached a point in their physical recovery process known as Maximum Medical Improvement, often referred to as MMI. This means that either the injured person is back to where they were pre-accident, or they’re at a point in which they’re as good as their going to get, and there is a permanent injury of some sort.

Once MMI is achieved, our office will collect the remaining medical bills and records we need to move onto the next phase of the claim, which would be preparing the demand. Usually we will have all of the bills and records for these claims within 2-4 weeks from the time a patient is discharged, but that varies depending on the medical providers involved.

The demand drafting process is somewhat quick within our office. Depending on the extent of the injuries, this may take a few hours, or a day to get ready. Then, we send it to the insurance company for the responsible party, and we’re in another waiting phase. Typically it takes between 4-6 weeks for most insurance companies to contact us with an offer to resolve these cases. Then, we contact our client to discuss the offer, and take it from there. More on the injury settlement process can be found here.

Then, we’ll either settle the case after a week or two of negotiation, or we’ll prepare to file suit in the matter. Each of these paths are unique to the individual case, and will be discussed in detail with our clients before any decisions are made.

If you’re interested in learning more about the value of your Maryland personal injury or auto accident case, or are concerned with how long it will take to resolve, contact my office as soon as possible (410) 885-6200 to schedule a free consultation with a lawyer.

 

Should you settle with the insurance company? Do you need a lawyer?

In this profession I am often asked the question about whether or not someone who has been injured in an automobile accident should or should not hire an attorney to facilitate the settlement and/or eventual lawsuit associated with their claim. There are very few instances in which the answer to the question is consistent with self-representation. The bottom line in these types of cases is that insurance companies run a business that for the most part is based on collecting premiums, and keeping that money. They will take any opportunity to decrease the money that they need to pay out, even if the decrease is just a few hundred dollars. If you think about it, some of these insurance companies are HUGE, and likely have millions of claims for injuries each year, or even every month. If they were to save just $100 each claim over one million claims….do the math.

Here’s the real thing you need to realize and think about when considering handling your own Maryland Auto accident case, or especially handling your own Elkton or Cecil County Auto Accident Case. I probably see or hear about more people here in Cecil County trying to settle on their own than in any other county I’ve worked in: Do you pose a substantial and credible threat to litigate your case on your own? If the answer to that question is anything except for a solid YES, then the insurance company will treat you as if you will never file suit, wouldn’t know how to file suit, and they assume you’ll accept the first offer that they make to you.

When you hire an experienced auto accident lawyer, the game drastically changes. In many instances offers to settle immediately multiply by a factor of 5 or 10 times what they were to an unrepresented party. Why? Mainly because I know what the case should be worth, I know how to negotiate with each insurance company(yes, each insurance company negotiates differently than others) and have absolutely no fear or hesitation in my willingness to file a lawsuit on your behalf, and take the right case all the way to trial and get what the case is worth!

Through my years in this business, I have seen clients walk into my office with settlement checks handed to them on the scene of the repair facility by an adjuster for hundreds of dollars. Hundreds! These were claims where we ultimately settled for as much as $20,000 when all of the appropriate medical treatment was had, and the claim was negotiated properly.

Check back for future posts on appropriate medical treatment after an auto accident, the importance of having your vehicle repaired, the impact of a lawyer’s fees on your injury settlement and other important and insightful topics. Do  not try to settle these cases on your own. Call me, (410) 885-6200, especially if you accident happened in Cecil County Maryland. I charge no up front fees in these cases, and there is rarely a case where I don’t put at least triple in your pocket what the insurance company initially offers when you try to settle on your own!