Auto insurance laws vary widely among states. When the court must determine which state’s law to apply in a car accident case, multiple factors are considered. In an August 11, 2020 decision, the Court of Special Appeals of Maryland reviewed whether Maryland law was properly applied in a case involving an insurance policy issued in Pennsylvania.
The plaintiff in the case was a passenger in a vehicle that was involved in a rear-end accident in Maryland. Both the plaintiff and the driver of the vehicle in which she rode were Pennsylvania residents. The driver and owner of the other vehicle that rear-ended the plaintiff’s vehicle were residents of Maryland. As a result of the accident, the plaintiff suffered neck and back injuries that required extensive medical treatment, including multiple surgeries.
The plaintiff filed suit in Maryland, seeking damages for medical expenses. She brought claims against the other driver and the other driver’s insurance company, as well as her own insurance company and the insurance company of the driver of the vehicle in which she rode. The plaintiff settled with the other driver’s insurer for the liability limits of their policy. The plaintiff continued to pursue her claims against the other insurers for underinsured/uninsured motorist coverage.