Understanding the Payment Process
When the other driver is at fault, many wonder why their own insurance company or health insurance ends up paying for medical bills and damages. In Maryland, although the at-fault party’s insurer is responsible for settling the claim, your insurance still covers immediate medical expenses and other costs as part of your coverage. This system ensures you’re protected right away, even before the at-fault driver’s funds are recovered.
How Insurance Works in Your Favor
Your insurance policy, including personal injury protection, is designed to pay your medical bills and related expenses promptly—so you don’t face financial hardship while waiting for the full claim to settle. Importantly, the amounts paid by your insurance are not deducted from your eventual settlement, meaning you receive the full compensation for your losses as determined by Maryland law.
Know Your Rights and Responsibilities
Even though it seems counterintuitive to have your insurance cover costs when someone else is at fault, this arrangement is a crucial safety net. It prevents delays in care and financial strain. By understanding that your insurer’s payments are a preemptive measure—and not a loss on your claim—you can confidently manage your recovery process without worry.
Contact Bowers Law
If you have questions about your case or need clarification on why your insurance pays out in these situations, contact Bowers Law for expert advice. Call us at (410) 885-6200 for a free consultation and comprehensive legal guidance.
Episode By Jobeth Bowers
Maryland Attorney Jobeth Bowers is the founder of Bowers Law and a graduate of the University of Baltimore School of Law
"*" indicates required fields
