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• If you have been injured in an accident, you are likely to be in a lot of pain. Much of your time is probably taken up by doctor’s appointments and you may have missed work because of those appointments. If you have filed a claim with an insurance company, you may find that they will try to shortchange you when they make you a settlement offer. You need an experienced, aggressive personal injury lawyer in Rockville, MD in your corner to make sure that you get the money to which you are entitled. Personal Injury Law There are two basic types of auto insurance rules in the United States. Some states have a no-fault rule, which means that a driver’s own insurance company will pay their accident-related bills no matter who caused the accident. Most states have an at-fault rule for auto insurance. This means that the person who caused the accident will be the one responsible for the expenses associated with the crash. Maryland is an at-fault state. What to Do in an Accident Whenever you are involved in a car accident, it is important to call the police, wait for them to arrive and get a copy of the police report. Be sure to exchange insurance and contact information with the other driver and get the names of any witnesses at the accident.Use your phone to take still images and videos, but only from a safe vantage point. Do not jeopardize your personal safety when moving about an accident scene. Do not try to move if the nature of your injuries don’t allow it.If you are injured in a Maryland car accident, there are several different ways you can go about recovering money. You can call your own insurance company and have them call the at-fault driver’s company. You can call the other driver’s insurance company directly and file a claim. If the other driver did not have insurance, you may want to consider filing a lawsuit against them. Do not accept a settlement for your injuries without first discussing it with a qualified, Rockville car accident lawyer, like attorney Hector Z. Oropeza. What are the Insurance Requirements for Drivers in Maryland? Before you can register a vehicle in the state of Maryland, you must be able to prove you have insurance. The Old Line state requires its drivers to carry $30,000 of bodily injury insurance for one person and $60,000 per accident. A driver must carry at least $15,000 for property damage insurance. You must also carry $2,500 for personal injury protection, although you may have the option of waving that fee if you select a limited PIP option. What if I am Hit by an Uninsured Accident? Drivers in the state of Maryland are required to carry a certain amount of insurance to cover their own medical expenses if they are hit by an uninsured driver. If you are hit by a driver who is not insured or if you are a victim of a hit and run accident, your insurance company is required by law to lower your deductible to $250. You may also want to discuss the possibility of suing the other driver with your attorney. How Much Will I Pay an Attorney? Personal injury attorneys generally work on a contingency basis. This means that they will take a percentage of the settlement that is given to you by the insurance company. You will normally not have to pay upfront.