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Welcome to the frequently asked questions in Maryland Auto Accident Injury Cases section of mdlaws.com. Auto accident cases, and personal injury cases in general, are different than any other type of legal cases. Often times people have general legal questions about family law, divorce, bankruptcy, criminal law or other legal issues that might arise, and they use our website as a valuable resource whether or not they need a lawyer. In fact, most people that visit our mdlaws.com website do not need a lawyer, they are just looking for legal information. We are okay with that, as we believe that one of obligations as well respected lawyers in Maryland is to provide people with as much free legal information as possible. Our duty as Maryland Car Accident Injury lawyers is to be a resource for potential clients.
Car accidents and injuries are different. People usually come to this section of our website when they or a loved one has been injured in a car accident and are looking for a lawyer. We have been representing people injured in car accidents for many years and have collected millions of dollars for our client's. We DO NOT CHARGE ANYTHING unless we recover for you. So rather than provide a "law library" of Maryland law regarding Maryland car accidents, we thought it would more useful to do a frequently asked questions (FAQ) section to try and answer all of your questions. There is no such thing as a bad question and there is no way that we can answer every one of your questions on the website, so we encourage you to call us right away to discuss your case. In the meantime, read over the following, and if you need us, we're here and we would be happy to help. And remember, your phone call is free and representation is free until we recover actual money for you. You pay nothing unless we win.
Here we go:
Q: What should I do if I'm in a car accident?
A: The first thing you if involved in an accident is get to a safe place. If you are injured and able to do so, call an ambulance. If someone else is injured and you can help them, help them. Once in a safe place, call the police. Then wait for the police. If you were not at fault, if possible, talk to the other driver and see if he or she will admit to causing the accident. Don't be accusatory, just start casual conversation about the accident and see what is said. If possible, write down what was said and wait for the police.
Q: When the police arrive at the scene of the accident, it is ok for me to talk them?
A: Yes, you should. Answer all of the police officers questions truthfully. If you feel an injury, say it and say it clearly. If you do not feel any injury, say that you do not feel any pain at the moment but you can't see for sure if you were injured or not. That is the absolute truth because most non-serious injuries take a few hours to manifest themselves in the form of swelling, inflammation and then pain. If the accident is very minor and you do not feel any pain, well that's a good thing and you probably will not need our services. If there is property damage to your car, you should get checked out at the hospital or at a local Urgent Care type of place even if you don't feel immediate pain. If you are in any type of pain right off the bat you should request an ambulance and ask to be taken to the hospital immediately for observations.
Q: When should I call my lawyer and does it cost anything to speak with the lawyer?
A: As soon as you have spoken to the police and taken care of your immediate concerns with your injury, you should call us to speak to a Maryland car accident injury lawyer. The call is free, and you pay nothing unless we recover. Do not talk to the other driver's insurance company. If you already have talked to them before you called us, that's okay. That does not mean you do not have a good case. But, if at all possible, speak with us first and let us do the talking for you. Call me now to talk about your case, I am available 24/7 and you are welcome to call me on my cell phone at (443) 253-7713.
Q: Should I notify my insurance company of the accident?
A: Yes. You have a duty to cooperate with your own insurance company. Most insurance companies require their policyholders to promptly report every auto accident so that they can gather basic information. In fact, failure to provide information to your insurance company in a prompt manner can result in loss of coverage for the accident. However, you should avoid making statements about who was at fault in the accident and only relate the facts of the accident as they occurred. You should consult us before providing any other information to the insurance company.
Q: Should I give any insurance company a recorded statement?
A. No. While you may be obligated to cooperate with your own insurance company and give your insurance company a statement, that does not require you to give a recorded statement to the other insurance company. Let us deal with them, that's our job. We will call them 50 times on your behalf if we need to, like I said, that's our job and we're happy to do it. Insurance company claims adjusters are trained to save money for the insurance companies, and if they can do that by making liability questionable or establishing that you are faking or exaggerating an injury (even if that is not the case), they may avoid having to pay for the full extent of your injuries.
Q: Is there anything that I can do if the other driver does not have insurance?
A. Absolutely. Unfortunately many Marylanders drive around every day without insurance and it is those people who often cause accidents and injuries. If you are involved in an accident with an uninsured motorist, you may mistakenly think that you do not have recourse. In actuality, you can seek compensation from your own insurance company as part of your uninsured or underinsured motorist (UM or UIM) coverage. A claim against your own insurance company for in this type of case WILL NOT be held against you when it comes to future rates. It is your absolute right to make such and claim, in fact it's part of what you pay for. If you have an auto accident claim against an uninsured motorist, call us today and we can help. We will answer your call immediately and give you the help you need.
Q: What do I do if the other insurance companies driver contact me?
A. You are in no way obligated to talk to them, and our best advice is to speak with us before you do. You have been injured, you need to worry about your health. The last thing that you need to worry about is saying the wrong thing to some insurance adjuster who wants to give you as little money as possible. They may try and lead you into saying something that you shouldn't. Don't fall for it, call us first.
Q: Do I need a copy of the police report?
A. Yes, but we will get it for you. We will need a copy of the police report in order to properly assess what happened. We will need that report for several reasons: to get information about the other driver involved in the accident, to get information about the driver's insurance company; and to see what the police have recorded about how the accident occurred. Often times witnesses names and address and phone numbers will be on the report as well. If you already have it, great, get us a copy when you can. If not, no worries, we will get it for your shortly. Once again, the reason that you hire a lawyer in a case like this is so that you don't have to worry about doing anything but getting healthy. We do the rest.
Q: How do I go about getting my car repaired:
A. If you hire a lawyer we can set that up for you. If the other driver's insurance company accepts responsibility, we will contact them and make sure that they get it fixed and pay for it. If there is a dispute as to liability or the other driver did not have insurance, we will contact your insurance company for you and take care of it. If you choose not to hire a lawyer, you should contact your insurance company about repairs and a rental car, if needed, right away.
Q: Who is responsible for providing me with a rental car while my vehicle is being repaired?
A: The at-fault driver's insurance company should provide you with a rental car to drive while the repairs to your car are being done. We will take care of this part for you at no charge.
Q: I feel fine. Should I still see a doctor after my automobile accident?
A: Definitely. Many times injuries sustained during a car accident are not recognized or noticeable until days or weeks after the accident. This means that even though you might feel fine now, you may be suffering from internal injuries. You should always seek medical attention after being involved in an automobile accident. When you see the doctor, make sure you mention all of your complaints, no matter how minor. If you did not cause the accident, the law allows you receive compensation for any medical bills you have incurred as a result of the collision.
Q: Who pays for my medical bills if I've been injured in an accident?
A. In Maryland we have Personal Injury Protection, otherwise known as PIP, which covers a certain amount of medical bills regardless of who is at fault. Your insurance company takes care of that initially. However, it is the at fault driver's insurance companies responsibility to pay all of your medical bills incurred as a result of the accident. That includes hospital bills, the cost of the ambulance, all medical bills for treatment and also for physical therapy. We will take care of all of that for you. During our initial intake we will ask you the names of not only your car insurance company but also your health insurance company. We will contact the medical providers and get your bills for you and submit them for reimbursement. We do everything, all at no cost until we make a recover for you. If do not make a recover, you do not pay a dime.
Q: Can I get reimbursed for my pain and suffering caused by the accident?
A: Absolutely. Maryland law provides that an accident victim is entitled to damages for pain and suffering. That is why you should always write down, each day, all of the pain and suffering that you are feeling and how it is affecting your life. Are you in constant pain? Is it sometimes worse and sometimes better? On a scale of 1 to 10, what is it? These are things we want to know. Is it affecting your life? If yes, how? Are you unable to do things now that you were able to do before? Activities? Sex? Even simple things such as watching TV and eating can be affected by injuries sustained in a car accident. We want to know everything so that you can be fully compensated for your injuries.
Q: Can I get reimbursed for the time that I had to take off work because of my car accident injury?
A: Yes! You should not have to use your sick time, vacation time and/or benefits to pay for someone else's mistake. If the other driver is at fault, you should be able to get lost wages reimbursed for any time you missed due to doctor's appointments or medical restrictions. You may be also entitled to future lost wages and loss of wage-earning capacity. Document these things very carefully. Get documentation from your employer in the form of time sheet reports, pay stubs or other documentation that you have lost wages as a result of the car accident.
Q: If am a passenger, can I make a claim against the driver of the vehicle in which I was riding and/or against the other driver?
A: Yes. Even if you are a passenger in the at fault driver's car, you can still file a personal injury claim against the driver of the car in which you were a passenger. If the accident was the other driver's fault, you can make a claim against that driver. If you are a passenger you automatically have a claim against someone, so if you are injured you should always seek a lawyer. If the driver of the other car was at fault, we would be happy to represent you and the driver of your car if you were both injured. This happens quite often but can sometimes be confusing. If you have any questions, please call us today to speak to a Maryland car accident injury lawyer. The call is free and the advice is priceless.
Q: What if the other driver's negligence caused someone's death?
A: A case which results in someone's death is commonly referred to as a "wrongful death" action. We handle these types of cases. The claim can still be pursued on the deceased person's behalf and the family members known as wrongful death claimants. The wrongful death beneficiaries may be entitled to compensation for any damages, including funeral costs, loss of love and companionship, and economic loss they suffered as a result of the death of their relative. The wrongful death claimants will also be entitled to claim damages for mental anguish and emotional distress suffered as a result of the death of a loved one.
Q: How soon must a file a personal injury lawsuit before I forever lose the right to do so?
A. This differs from state to state. In Maryland, for the most part, you have three years to file a claim in court from the date that it happened. Different rules apply when it is against a governmental agency (police, city bus, etc.) and for minors, so ALWAYS ask a Maryland car accident injury lawyer for advice when this issue comes up. We cannot say this enough. The call to us is free. Our representation is free until we recover. If you are injured in a car accident in, you would always hire a Maryland car accident injury lawyer.
Q: What is my case worth? How much money will I get when the case is over?
A. This is the question most often asked and the most difficult question to answer. The value of any personal injury auto accident case involves many factors and usually depends on the facts of each case, as no two cases are exactly alike. Some of the factors include the amount of medical expense, damages that may occur in the future, scarring and disfigurement, permanent physical impairment, where the accident took place, the amount of property damages to the vehicles, the amount of insurance coverage and many other factors. The bottom line is this. At the Law Offices of David L. Ruben our only goal is to obtain the MAXIMUM possible settlement. Why? Well, the more money you make, the more money we make. It's a win-win for both attorney and client in a car accident case, that's why it is imperative to hire an attorney as soon as possible. Statistics have shown that hiring a Maryland car accident injury lawyer will usually result in a much larger settlement than if you represent yourself.
Visit MDAccidentCenter.com for more information about Maryland car accident injury cases, and how a Ruben Law Firm Maryland car accident injury lawyer can help you today!
Please call us today at (410) 766-4044 or (301) 587-8900 to discuss your case, or e-mail me at david@rubenlaw.com. Or, if it is after hours, call me on my cell at (443) 253-7713. We look forward to helping you.
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David Ruben is personable, sincere, likable and very thorough. Ruben Law firm helped me get through a divorce that my ex wanted to drag out with her over-priced lawyer. David proved to be the calm, rational, and thoroughly knowledgeable attorney you'd want (and need) in your corner. He's not combative (he is tenacious) in the courtroom and seems to be well liked by the judges. He's not arrogant and has a great sense of humor. With David, you'll get more than just expert legal representation -- you'll get someone who listens and who will respect your time and get you the best results. I would trust David with any other legal troubles I hope I never need, give him a call -- you'll be glad you did.
David Ruben was my attorney during my recent divorce proceedings. His professional expertise resulted in a positive outcome to a lengthy and difficult process. He and his staff were professional, supportive and quick to respond to my questions and concerns during a stressful time. I would highly recommend him for any family law related representation or advice.
I want to take this opportunity to express my gratitude for your professional assistance with my family law and divorce issues. Your expertise, service, and price were outstanding! You are highly intelligent, very intuitive and creative with a great sense of humor. Your kind assistance allowed me to feel at ease with the difficult process of divorce. I really can't say thank you enough. You're a great person for helping people in need. I wish you and your family the very best. Thank you, thank you, thank you very much.
Mr. Ruben, Thanks Again !!! You were awesome!! When the State's Attorney started reading the police report and the Judge's face started getting all contorted and his mouth opened wide. I thought for sure they were going to lock me up! Then you did your smooth talking and I can't believe all I got was a $100 fine. I'm so grateful!! I'm really nothing like the person described on the police report! You and Tina both were very reassuring and understanding and she is definitely an asset to your firm and you are a class act! Thank You!!
I have no words to thank the Law Offices of David Ruben for all the attention, support and kindness you dedicated to my father. I simply cherished the services rendered. I am absolutely sure that every person who may need your services will be in excellent hands. I say that based on my own experience having my father's case handled by your office. David, you were so compassionate and I just can't thank you enough for what you've done for him. I would definitely recommend this office to whoever needs an attorney.
I have had dealings with other attorneys in the past, but what a pleasure it was to not have to chase my attorney to get a status on my case. I actually got calls on a regular basis informing me where things stood and where we were going at each stage. I don't think I had to call your office once! Your advice was always very sound, and I am so happy with my settlement.
I recently completed my bankruptcy discharge with you and I want you to know how grateful I am for the service I received from your firm. From the associates that answered the phone right up to the attorneys themselves, I always felt that I was the only client in the practice. It was not an easy road for me to declare bankruptcy but I am so glad that I trusted you with my personal issues. Thank you so much for being there in such a professional and caring way.
Wow, I didn't think there are lawyers out there like Mr. Ruben. He did not talk down to me and made me feel comfortable about my very difficult situation. He always answers my calls and responds to my e-mails immediately, and he did a great job with my case. I would recommend his services to anyone.
I was fortunate to find your web page a few weeks back. You are a very good lawyer and a heck of a nice guy to boot. Thanks for helping me in a time of some angst. Please know how much I appreciated your immediate responses and replies including weekends and calling me back last Wed night. It is obvious what sets you apart from your peers and makes you the leader in your field.
Many thanks.
I highly recommend Ruben Law Firm. Mr. Ruben and his staff are all absolutely wonderful. They are all extremely professional and efficient. I am very thankful for all the work Mr. Ruben has done for me over the years. If I ever need an attorney again, I will definitely be using Ruben Law Firm.
(5/18/2020)
I must say I have used Ruben Law Firm on a few occasions and I will not go anywhere else. David Ruben and staff are very friendly and professional. Always responsive and they get the job done right the first time! If your looking for quality, reliability, personable and affordable you can't go wrong with Ruben Law Firm.
(5/16/2020)
Ruben law firm and his team were excellent. I had never been through a divorce (or even used a lawyer for anything), but the walked me through everything and answered all of my questions, even the dumb ones. They even stayed in court all day with me when the courts kept pushing the time back of the hearing. Absolutely amazing people. I'll definitely be using them again for any of my legal needs.
(4/14/2020)
I went to David Ruben seeking guidance and support as I entered a very difficult period in my life, seeking a divorce and knowing I could be facing a nasty custody battle. However, David was a beacon of hope at a time when I thought my options were limited and the likelihood of a satisfactory resolution seemed impossible. Not only did David defend me again unjust accusations, his calm and empathetic demeanor offered emotional succor to myself and those I care about most. Me and my minor child are eternally grateful for his services and I highly recommend Mr. Ruben without reservation.
(10/15/2019)
I'd like to take this opportunity to express my appreciation for your services. My concerns and worries were laid to rest the first I met with you. You were sensitive and kind as you explained the law. Your approach to providing professional advice took into consideration my current and future needs, with the goal of providing me the best outcome. The process was seamless. Working with Susan was a delight. Before my hearing, she explained the process and prepared me on what to expect. Throughout, your staff earned an A+ rating for their professionalism, knowledge and promptness. I sincerely appreciate each time I could called or emailed, I'd receive a prompt reply. And, your service continued beyond the conclusion of my case. Thank you.
Sincerely,
Ms. Parker (June 11, 2019)
David Ruben's Law Firm and staff are the Lawyers I would recommend for any legal problem. Years ago I went to David Ruben for financial advice and never to this day, regretted my decision! If I need legal advice in the future I would never hesitate going back to him. David is Honest and a Caring Lawyer that you can Trust!!
A Maryland Client! (6/2/2019)
David Ruben and staff have represented me twice. I will never go anywhere else. They are understanding, down to earth and always professional. They keep me informed each step of the way. I definitely recommend them!
(5/15/2019)
Ruben Law firm really came through for me when I was at my greatest need for financial help. They made the bankruptcy process easy and understandable. I very much appreciate their service and would recommend them to anyone facing the same dilemma I was in.
(5/2/2019)
I was truly Pleased with the legal services provided.
From beginning to end the firm made Sure everything went smoothly.
Thank you
Mr Renato B.
(12/2018)
We receive great and affordable legal advice from the Ruben Law firm. And when it is an area outside their expertise, They provide excellent referrals.
(11/2018)
I walked through the doors of Ruben Law Firm in 2016 and personally met with Mr. David Ruben. I knew nothing about him or the firm's reputation; other than the testimonials on the website. He along with his staff are top notch legal professionals, proven leaders, courteous and approachable. They do NOT judge you. I came to the Ruben Law Firm in despair and left feeling that there was hope for me if I trust them to do their job. I am a law firm professional as well and I can attest to the hard work and dedication the Ruben team will strive to provide for you, too.
By Monique
(7/2019)
The Ruben Law firm gave excellent service for all my legal concerns involving a judgement of divorce. They were very patient listeners, helped clarify the positions I must take, and explained all legal procedures that would be involved. They were successful in winning my case step by step. I highly recommend them.
(7/2018)
My daughter used Ruben Law Firm more than 10 years ago but she never forgot them because they were just that memorable! Therefore, a little over a year ago when I needed legal advice and service my thoughtful daughter referred me to Ruben Law Firm, specifically Mr. David L. Ruben. Today I can only say that my experience with Mr. David L. Ruben and the Firm was the best decision I could have ever made. They took care of my legal issues with such professionalism and in the most timely manner which made it appear as though I was their only client. I thank the entire staff, Mr. Ruben and the paralegal for handling my case and for not overcharging me for the service. Thank you!
Pauline B.
(11/2017)
Your firm was a recommendation from a friend and I have made the same recommendation to others. The expertise and professionalism of your colleagues and staff is outstanding. Thank you so much for your assistance in my case. Your company far exceeded my expectations.
Best Regards,
Sherry H
(11/2017)
I have used David Ruben on several occasions. First with my son and then with my husband. We were very satisfied with the service that we received. We were so impressed that we came back to use him on four (4) separate occasions. He is professional, courteous and dependable. I highly recommend him for your legal problems.
(5/2017)
Ruben law firm is definitely the firm to go with. Everyone there is understanding and kind. I went in feeling embarrassed but when i left i had a renewed sense of confidence that they were there to help me. Amazing group of people.
(2/2017)
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