Fighting with an insurance company after a car accident can be frustrating and burdensome. Accordingly, many people choose to hire a Maryland personal injury attorney to help resolve their claim and obtain payment for their losses. As demonstrated in a February 22, 2018 case, an accident victim can bring suit against her own insurance company if it refuses coverage for a valid claim.
The plaintiff in the case was involved in a car accident with an uninsured driver and went to the hospital for medical treatment. She notified the defendant, her insurance company, of the accident. The defendant denied the plaintiff’s claim for uninsured motorist coverage of her medical expenses and other damages arising from the accident. The defendant asserted that the plaintiff did not qualify as a family member covered under the policy because she was not a resident of the named insured’s household at the time of the accident.
After the denial of her claim, the plaintiff filed suit against the defendant in district court, alleging that the defendant breached the insurance contract. She sought damages for her medical bills, pain and suffering, and car rental costs. After a trial, the court ruled that the plaintiff was a temporary resident of the named insured’s household at the time of the accident, and as a result, she was entitled to uninsured motorist coverage under his automobile policy. The plaintiff was awarded a judgment against the defendant for her medical bills and general damages.