Maryland Injury Lawyer Blog

I am truly amazed! I'm the victim of an auto accident by an MAIF insurer. It has been over two years, and yet no closure. I actual found this web site in researchng for additional contact information on higher authority, in hope of receiving appropiate actions for my claim. I couldn't believe the poor offer made by the claims examiner assigned to my case (which happens to be the third examiner assigned). An offer I expressed was totally unacceptable. From the findings in this article, it appears that the only action I have remaining is to seek legal representation.

To Art. I was also hit a month ago by a MAIF insured driver. I still have not had my claim processed because they are "still looking" for him. I see him in the neighborhood and told them this. They said until they talk to him there is nothing they can do, that is policy. I went to http://www.mdinsurance.state.md.us/ and under consumer information you will find file a complaint. I filed and two days later I heard back. They are questioning MAIF regarding the issue with speaking to their policy holder since it is obvious that he is avoiding them and they have a police report stating that he was driving around drunk.

I appreciate the comments on this topic. If you are reading this and had any experience with the Maryland Autombile Insurance Fund (MAIF) that you wish to share, either positive or negative, please share your thoughts with a comment.

My son was riding a motorcycle and was hit (broadside) by a totally uninsured motorist. She gave false insurance information to the officer that was at the scene. My son now has tens of thousands of dollars in medical bills (she was clearly at fault and was cited by the officer) and she will never pay a dime, and because she is such an upstanding citizen (that is acutely sarcastic) she isnt worth suing. She has a lengthy "small-time" criminal record - 2nd degree assault, robbery, etc. (and was in fact in court the day she hit my son! She was out on bail!) She's been in and out of jail 3-4 times so far just this year.

Apparently, though my son pays into the MAIF (as all of us law abiding citizens do) he cannot file a claim to recoup any of his extensive medical bills or the cost of his motorcycle, much less the time he has lost from work, because they DONT COVER motorcycle accidents!

I have been scouring the internet for possible solutions (and came across this site) but have yet to see anything helpful.

I work in law (tho not criminal), and know you cant get blood from a turnip, and suing someone with no assets and a bleak future isnt worth the cost of suing.

Right now I'm contemplating a scathing letter to our lustrious Governor about leaving INSURED motorcyclists out in the cold, so to speak, when they are injured by uninsured idiots. Might bring some idealogical satisfaction, but that isnt what my son needs right now.

If anyone has any suggestions, I'd love to hear them!

I think you are wrong to think your son cannot recover. He might not be able to recover PIP but he has a UM case with a likely $20,000 limit. There may be other insurance available as well if he had a resident relative with a higher insurance policy.

I am seeking representation for an injury claim that will most likely be forced into litigation due to the "low ball" offer recently mentioned by the MAIF adjuster. Anyone wishing to assist or offer representation send an email to Craigsilver1@hotmail.com.

I am reluctant to give out personal details, not knowing as yet if this is a legitimate Blog and not a red herring for MAIF. I have a matter against MAIF and will be happy to share details after I am certain who I am communicating with. I too work in the legal field and like to think as bad and difficult as MAIF may be, they have not met me yet. I have a plan to bring them to their knees. Does Punitive damages & class action ring a bell? Holler Back

Believe me, I have been a vocal critic of many of MAIF's adjusting practices. But I don't consider them unethical. Their job is actually to pay as little as possible on third party claims. I'm trying to get as much as I possibly can for my clients so I don't begrudge them this, it is a part of the adversary system. My complaint is that their practices waste time and money for us and THEM. I don't think there is the basis for a class action or punitive damages against MAIF but I wish you all the luck in the world. - Ron

I too, have become a recent MAIF victim. I was involved in an accident on 5/6/08 at the fault of a MAIF insured driver. Within an hour I called MAIF to confirm the other driver in fact had a policy with them in "good standing." I was not only assured that he did, but was also assigned a claims adjuster and a claim number during that phone call. The very next day I was contacted by the claims adjuster who advised she'd be handling this case and upon learning that I was already in possession of the accident report as well as copies of the citations issued to the MAIF insured driver, (just a perk as a Police Officer in the jurisdiction of which the accident occurred) she asked me to send her copies and I did. On the following day, a field adjuster came to my location, did a written estimate of my damages and left a copy with me. By dinner time the day after, now 3 days after the accident and clearly after the claim has begun it's processing procedure, I'm contacted by the originally assigned claims adjuster who tells me I might want to advise my own insurance company of the damages because (and I quote) "We might not be covering this accident." Upon further inquiry and much protest on my part, I learned that the driver had not paid his last policy premium and that MAIF in turn had not bothered to cancel him. This adjuster actually told me that they were most likely going to cancel his policy and that if they did, it would be retroactive prior to the accident involving my vehicle! I am now fighting with MAIF over this issue, as in my opinion they already began processing my claim before deciding they were going to cancel his policy. And by the way, as I mentioned my accident with this driver took place on 5/6/08....when MAIF cancelled him, it was made effictive as of 4/9/08! I have to wonder which of his family members is one of those fine MAIF employees I'm reading so much about??