Personal Injury Law

The world of auto insurance compensation can be complex and confusing. McMillan Metro’s experienced personal injury attorneys can help.

We represent clients involved in auto accidents and other personal injury matters in courts throughout Maryland, Virginia and D.C.  We have recovered millions of dollars on behalf of injured clients and we handle each case on a highly personal basis and with the utmost care.  If you have been injured in an auto accident in Maryland, Virginia, or the District of Columbia, you should have an experienced attorney in your corner helping you get everything that you are entitled to. 

The insurance companies know the law and will take advantage of an unrepresented accident victim.  Often the insurance companies will make a low-ball offer to settle your case because they realize that without a lawyer, an injury victim cannot effectively prosecute his or her claim in court.  You need an experienced attorney from McMillan Metro to develop your claim for damages and prosecute it.

If you or someone close to you has suffered a serious injury or illness because of medical negligence, we can help. We have helped our clients recover millions of dollars in settlements and jury awards in medical malpractice cases in Maryland, Virginia and D.C. In most cases of medical malpractice, the doctors and hospital personnel will not be forthcoming in disclosing their errors.   Proving medical malpractice requires a team of medical experts to identify exactly where the negligence occurred.  

At McMillan Metro, we believe that a person has a right to know what happened that caused a negative medical outcome and whether there was negligence by any of the medical providers involved.  We also believe that future patients need to be alerted to bad physicians whose negligence causes injury or illness. Most importantly, we believe that a person injured as the result of medical negligence should be properly compensated.  The costs of the injury should be paid by the person who caused the injury – not the innocent patient who has to endure results of the medical negligence every day of his or her life.

Please call us at (301) 251-1180 or submit an online inquiry so we can assist you.

SOME OF THE WAYS WE CAN HELP YOU
What should I do if I have been involved in an auto accident?
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If you were injured or experiencing significant pain from any auto accident, the first thing you should do is contact a health care provider and get the care that you need. Contacting a health care provider creates a record that your injuries were caused by the accident. If the accident was your fault, contact your insurance company. They will provide you with an attorney to represent you for free.

If the accident was not your fault, you should contact an experienced personal injury attorney who will represent you without charging you a fee until there is a recovery. Instead of paying legal fees by the hour as they occur, in a personal injury (or auto accident) case an experienced attorney will represent you on a contingency fee basis. That means you don’t pay any legal fees unless you recover a settlement or jury award. If you don’t recover, then you pay nothing.

It is better to get an attorney involved at the beginning to avoid costly mistakes. Also, you pay no greater fee if the attorney gets involved at the beginning, middle or the end of your case so take advantage of the attorney’s services for as long as possible. Don’t try to do it yourself and wind up hurting your case.

What should I do if the person who caused the accident does not have insurance?
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If the person who caused the accident was uninsured or under-insured (ie, does not have enough insurance coverage to pay for all of your damages), your own insurance policy may be very helpful.

First of all, unless you waived the coverage all auto insurance policies in Maryland have personal injury protection (“PIP”) coverage which will pay up to $2,500 or $5,000 for your medical bills or lost wages regardless of who is at fault. Making a claim against your PIP coverage will not cause your insurance premiums to increase as this is no-fault protection to help you immediately after an accident.

Second, most auto insurance policies have uninsured or under-insured (“UIM”) coverage to protect you if the person at fault does not have enough insurance coverage to pay for all your damages. Making a claim against UIM coverage will not cause your premiums to increase since you were not at fault. The amount of UIM coverage is usually the same as the liability coverage on your insurance policy. If you have $100,000 in liability coverage, then you will likely have $100,000 in UIM coverage. If you have been injured in an accident, contact an attorney who can help you navigate this process.

If I have been involved in an auto accident, should I go to the hospital?
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That depends on whether you have suffered an acute or serious injury that requires treatment immediately. If so, then you should absolutely get emergency treatment. If you suffered only a mild injury or pain then you should see your primary care physician as soon as possible after the accident. This medical visit documents that you felt pain after the accident in case the pain later becomes worse and requires treatment. If you are not having any symptoms at all, then it is not required that you go to the hospital or even to your doctor following an accident.

What types of damages can I recover after an auto accident?
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There are two types of damages that you can recover after an auto accident: (1) property damages – damages to your vehicle and your property inside it; and (2) bodily injury damages.

Bodily injury damages include (i) your health care expenses related to the accident; (ii) your lost income caused by the accident; and (iii) your pain and suffering and loss of enjoyment of life and other “general damages” arising from the accident. You may receive compensation for damages that have already occurred; past medical expenses and lost wages as well as compensation for future damages like ongoing medical care and future lost income. Contact an attorney to assist you in pursuing compensation if you were injured in an auto accident.

If I was involved in an auto accident, can I represent myself?
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While you can always represent yourself, the real issue is whether you can represent yourself competently and the answer is probably not. If you were at fault, your insurance company will provide free legal counsel. If you were not at fault, you are at a severe disadvantage in dealing with the defendant’s insurance company if you are not represented by an experienced personal injury attorney.

First of all, you do not know the types of compensation or the amounts that you are entitled to. Understanding what a court is likely to award you for your injuries, lost wages, and general damages – both past and future — allows you to understand the value of your claims. Without this information, you are negotiating in the dark.

Second, even if you do know the value of your claims the insurance company rep knows that you cannot represent yourself in court and will often “low ball” you. When you are negotiating on behalf of yourself, you are telling the insurance company that you are willing to take their best offer because you cannot reject their offer and go to court.

Finally, there are tricky insurance issues that are beyond most laypersons’ understanding. For example, should I be compensated for the medical bills that I paid, that my insurance company paid, or the cost of the actual bills (that were not paid)? How much does my health insurance company get from my settlement? How do I prove the costs of my future medical treatment? Once you agree to accept a settlement you cannot come back for more money if you have additional damages.

Not knowing the answers to these questions can cost you a great deal. Contact an experienced personal injury attorney to maximize your recovery.

MCMILLAN METRO OFFERS YOU EXPERTISE IN:
  • Car Accidents
  • Medical Malpractice
  • Wrongful Death