Laura and Scott Robertson

Who Pays Medical Bills for Auto Accident Insurance Claims Under Maryland Law?

More than 100 online 5-star Client Reviews

Named Best Law Firm and Best Attorney many times in Coastal Style and The Metropolitan magazines.

I frequently have new clients who come to see me for the first time many months after a car or truck accident and report that the at-fault driver’s auto insurance company made an outrageously low and unfair settlement offer for their injury claim, medical bills, and lost wages.  These new clients often express surprise that the adjuster took such an unreasonable position.  They assumed they would be treated fairly, and are often angry and insulted that they were not.

As a former insurance company attorney who has focused my practice on auto accident insurance claims since 1993, these reports from new clients almost never come as a surprise.  Insurance claims adjusters are trained to pay out as little as possible.  Making low offers to unrepresented individuals is part of the insurance companies’ strategy.  Getting an auto insurance adjuster to increase a low offer to a fair settlement amount is often extraordinarily difficult.

If you were injured in a car or truck accident, I recommend taking 15 minutes to watch CNN’s Anderson Cooper’s investigative report on the way car insurance carriers handle personal injury claims, linked below.  You will be shocked by what was uncovered by CNN.

I previously represented both insurance companies mentioned in the news report, and I know how to deal with them and other auto insurance companies to obtain a fair settlement or recovery.

Please take the time to watch these news reports, review the rest of this page, and call us for a free initial consultation at 410-749-9111:

View Part One of CNN’s Report here.
View Part Two of CNN’s Report here.

Anderson Cooper touched on some unfair issues and tactics used by insurance carriers in auto accident cases and insurance claims, but there are many more.  We know how to address each of these insurance company tactics for our clients in order to obtain a fair settlement.  Having focused my law practice on car and truck accident cases since 1993, I can tell you some realities about insurance adjusters and the way they evaluate injury claims:

  1. Most liability insurance adjusters feel as though they do not owe you any legal obligation. How can they possibly feel that way?  Keep in mind that insurance company for the at-fault driver’s insurance company is not your insurance company. The at-fault driver purchased that policy to protect him or her.  The at-fault driver’s insurance company has two basic legal obligations: (1) to indemnify the at-fault driver (pay the judgment amount) if you are successful in suing him or her; and (2) to provide a legal defense for any such lawsuit.  A settlement is simply an agreement between both sides to agree to a payment to avoid a lawsuit.  Technically speaking, the other person’s insurance company is not legally obligated to offer you any settlement at all, let alone a fair settlement. Unfortunately, the fact that these adjusters should feel an ethical obligation to treat the people injured by their policyholder does not usually enter their mind.We are able to obtain a fair and equitable settlement without a lawsuit for the vast majority of our clients.  How?  By preparing and presenting the claim to the insurance company with the same organization and attention to detail that we undertake when we are going to file a lawsuit. Quite frankly, that is how we handle every case.  Our “demand package” is detailed, well organized, and presented in a way that the adjuster will understand all the strengths and subtleties of the claim.  We know how to maximize the claim so that our clients are treated fairly.  We fight against the inclination of the insurance companies to low-ball every claim and case.
  1. As the party asserting the claim, the burden is on you to establish every element of your claimed injuries and damages. The insurance companies NEVER NEVER NEVER take your word for it on any issue.  We like to get involved in cases early to ensure that our injured clients are doing all the things they need to be doing to recover from their injuries, while at the same time legally and medically documenting every aspect of the case to maximize the likelihood that a fair settlement can be obtained at the appropriate time. While it is better (and does not cost any more) to get us involved as soon as possible after the accident, we can still make a huge difference in the net recovery for our clients even if we get hired late in the process.
  1. In order to get a good result, it is essential to coordinate the multiple insurance coverages involved in an auto accident case. Personal Injury Protection Coverage, Medical Payment Coverage, Health Insurance, Medicare, etc., all need to be utilized if available, while keeping in mind the legal obligation to pay back some (but not all) of those coverages from the settlement we obtain.  It is also crucial to minimize the reimbursements to health insurers and the like, as well as any outstanding medical bills. We know what we are doing when it comes to coordinating insurance coverages to the maximum benefit of our clients, and minimizing the amounts paid out of the settlement for health insurance repayment.  Navigating the often complex field of health insurance reimbursements is something we work on every day for the benefit of our clients.In particular, recent changes in federal law make the handling of a personal injury claim for anyone eligible for Medicare extremely complex.  MSPRC and Medicare are very difficult to deal with and very slow to respond.  This is a major frustration to anyone involved in insurance claim handling.  Because we frequently deal with Medicare on these issues, we know how to handle Medicare liens as efficiently and effectively as possible to minimize the amount that Medicare takes from a settlement. By federal law, Medicare and its Maryland Intermediary, MSPRC, must reduce its lien (repayment) by the same percentage of attorney’s fees and a pro-rata share of any costs incurred in making the insurance claim (or court case when needed).  As such, Medicare shares in the costs when you obtain an attorney.  We make sure to maximize the reduction of the Medicare lien to the full extent allowed by law.
  1. Insurance companies use a variety of facts to their advantage, often inconsistently. Did you wait a few weeks to go to the doctor, hoping that you would get better?  The insurance company will accuse you of having a “gap in treatment”.  But if you go to the doctor and therapy to try to recover, the insurance company will accuse you of over-treating.The insurance companies will often unfairly use other facts against you, such as:
    1. The nature and extent of the property damage to the cars involved in the crash;
    2. Any prior injuries or treatment you have had, even if it has nothing to do with these accident-related injuries;
    3. The fact that x-rays show Degenerative Disc Disease (DDD) or underlying arthritis (this is often used by insurance companies to unfairly blame your injuries on pre-existing conditions);
    4. The fact that the emergency room report inaccurately fails to mention an injury or reports an injury incorrectly (this happens very frequently);
    5. The fact that you did not report a significant injury at the scene or go to the hospital in an ambulance. The truth is that the pain from many trauma-related injuries do not arise until a day or two later.

 We know how to effectively deal with the insurance companies on the multitude of issues that arise in auto accident claims.  Our friendly and helpful attorneys and staff are standing by to help you.  

Feel free to call us today at 410-749-9111.

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Janay L.

Robertson and Robertson made me feel safe after my accident. Excellent advice and friendly staff. Vera is amazing and great to work with.

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Josh L.

When I was looking for an accident attorney the first place I came to was Google reviews and I'm so glad I did! I've had such a pleasant experience working with Robertson and Robertson. Mr. Scott Robertson is a very professional attorney and his staff who bring the meaning of high quality to the table. If you want someone who is going to fight for you, look no further.

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Kaye J.

Scott and Laura are more than just attorneys advocating on your behalf. From the moment you meet them their professional expertise is ever present, and their advocacy is beyond impressive. Their ability to see you as more than just a case is the gift in their practice.

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Melane B.

Robertson and Robertson are the most caring, knowledgeable and helpful group that I have ever had the pleasure of doing business with. They made what could have been a stressful traumatic situation a smooth process. They handled every aspect of my case so that I could heal and return to a normal life. Their office staff is above and beyond professional and courteous. Vera made sure I always understood the process and that any questions I had were answered in full. They are the best in the entire area.

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Wynnette C.

Mr. Robertson and his associates helped me navigate through this experience. I had a devastating accident in December 2017. The accident not only caused me physical damage but also financial damage. Robertson & Robertson helped me recoup my losses so that I could regain the quality of life I had before the accident. They kept me informed every step of the way and whenever I called them, I received a prompt response. I highly recommend the law firm of Robertson & Robertson!

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Aurora W.

I absolutely loved them! They went above and beyond in every aspect possible to make me feel safe, secure, and reassured! They did everything I asked and more! They really made me feel a part of the team without the stress and hassle! I would recommend them to anyone and everyone who asked!

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Brittany M.

Scott and his staff are amazing! They really helped me through a rough personal injury case and were nothing short of professional throughout the entire process. Great communication and they really take good care of their clients! I highly recommend Robertson & Robertson to anyone!

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Ron D.

Our experience with Scott and his team was very professional at every step. Scott’s team made you feel very comfortable, walked you through the process, and understood our concerns and time constraints. They were able to act appropriately in a timely fashion that concluded with an extremely successful outcome. We would highly recommend this team for your legal needs.

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Robin N.

I personally recommend Scott Robertson's office to anyone in need of an attorney. I work with him on a professional level from a medical facility and have seen firsthand how his office is run. His level of professionalism sets the precedence for many. The highest compliment you can give is the gift of a referral, and I have referred family members and friends in need of an attorney to this office. At his office you will not be "just a number, " but his office will actually know who you are by name. You do not give them your "case number" as so many attorneys require, but they actually know YOU. The office staff is also friendly, knowledgeable, courteous...just wonderful. This office absolutely is an asset to our community!

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Eric T.

Not always the way you want to meet great people, but that's exactly what happened. The team here went above and beyond my expectations. From handling the case as professionally and personally as possible to remaining in contact the entire process, I had peace of mind that everything was handled. I will be sure to refer your business to anyone I hear in need.

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Angela R.

From the moment we walked into their office to the regretful (that our wonderful meetings together were over) last goodbye we experienced nothing but sincere and continued compassion and caring. Mr. Robertson made us feel that he had all the bases covered, and he did! He was always available to answer any concerns or questions and, in the end, far exceeded our greatest expectations. He turned an unfortunate event around. We would recommend he and his office family to anyone that is looking for the best attorney on the shore!

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William G.

I am tremendously thankful for the sheer level of expertise and professionalism that I've witnessed from Robertson & Robertson. Scott and his associates put my wife and me at ease from the very beginning, and they were always very generous in sharing their insight and experience. They patiently walked us through the process, were always available to answer our questions, and gave us guidance every step of the way. I am thoroughly impressed by Mr. Robertson and the exquisite service of his company and, thanks to all of their hard work, we've been blessed with the best possible outcome we could have ever hoped for. 10 stars out of 5! I've told all my family and friends and I would definitely recommend this law firm to anyone looking for the best personal injury attorney!

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Ashley C.

With any situation I would highly recommend this law office! they are very nice, they always answer the phone when I call and answer any questions I have right then, they don’t leave you in the dark as some offices will, they are great!

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Josiah

This law firm is the best in the business. Mr. Robertson and Ms. Vera were a pleasure to work with. I highly recommend this law firm based on their expertise, customer service and prior track record. Thanks to Mr. Robertson and his staff for a successful outcome.

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Robert B.

This is one of the best law firms around and so organized, thorough, friendly, understanding, and loyal to their clients. I was in a severe car accident that almost ended my life. They took good care of everything while I was trying to heal from being in a critical condition state. I guarantee that if anyone chooses J Scott Robertson and Robertson & Robertson law firm they will be satisfied because I was. Through all this we became friends and he told me if I ever need anything don’t hesitate to call him. Thank you for your support the 3 years I dealt with you for the life changing accident I went through and the way you treated me!

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Sherry B.

After being in a car accident, things just got too overwhelming for me to keep dealing with on my own. The constant phone calls, questions, and having to keep repeating myself over and over again with adjusters and insurance companies got to be way too much! A friend recommended Robertson & Robertson and it was the best thing I ever did! One meeting with Scott and Vera and everything was smooth sailing. They handled everything!! So welcoming. So easy to talk to. So comforting. I have never been through anything like this before, and they made this entire process so easy. Scott kept in constant touch every step of the way to keep me updated and fully aware of what was going on. I highly recommend Scott and his staff. I pray I will never need a lawyer again for myself or my family due to a car accident, however if I do, I feel comfort in knowing I have one that I can count on.

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David G

Scott, Laura and the entire staff at Robertson and Robertson have helped several of our clients out when they are dealing with a difficult claim. If you are involved in a serious accident, Robertson and Robertson are the attorneys that you want working for you!

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Cheri D.

I went to Robertson & Robertson after being in a head on collision. My sister and I had multiple serious injuries. The medical bills were piling up and the insurance companies were very confusing. Scott, Vera & David did an amazing job! They were very compassionate and professional. We were kept informed of everything along the way. We received a much larger settlement than we expected. I highly recommend the friendly experts at Robertson & Robertson.

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