Disclaimer: This article is for informational purposes and does not constitute legal advice.
Detailed Answer
When an insurance adjuster disputes that your medical treatment is related to your car accident, it can stall your claim. Follow these steps to strengthen your position and protect your rights under Maryland law.
1. Gather Comprehensive Medical Evidence
Obtain complete medical records, diagnostic reports, and billing statements from all providers. Ask your treating physician to prepare a detailed “nexus” letter explaining how your injuries and treatment directly stem from the accident.
2. Submit Clear Documentation
Provide the adjuster with organized records, the nexus letter, and a summary of your medical expenses. Keep copies of all correspondence, including emails and letters.
3. Request or Prepare for an Independent Medical Exam
Insurers often require an independent medical examination (IME) to verify your injuries. Attend the IME, and if you disagree with the findings, consider obtaining your own expert review.
4. Address Unfair Claim Settlement Practices
If the adjuster unreasonably denies or delays your claim, you may file a complaint with the Maryland Insurance Administration. The administration enforces rules against unfair practices under Md. Code Ann., Ins. § 27-303.
5. Consider Legal Action
If negotiations fail, consult a personal injury attorney for a free consultation. You can file a lawsuit before the statute of limitations expires. In Maryland, you generally have three years from the accident date to file under CJP § 5-101.
Helpful Hints
- Keep a detailed accident journal noting symptoms, treatments, and expenses.
- Obtain a written nexus letter linking treatment to your crash.
- Respond promptly to all adjuster requests to avoid delays.
- File a complaint with the Maryland Insurance Administration if you suspect bad faith.
- Track statute of limitations deadlines to preserve your right to sue.
- Consider mediation or arbitration clauses in your policy.