The Maryland Injury Attorney Podcast

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Latest Episodes:

High Deductible Health Insurance After an Auto Accident Jan 28, 2026

Many people hesitate to use their health insurance after an auto accident if they have a high deductible. It is common to assume that insurance will not help if thousands of dollars must be paid out of pocket first. Attorney Joebeth Bowers explains why using health insurance in a Maryland accident claim still makes financial sense, even with a high deductible.

Why Health Insurance Still Matters With a High Deductible

Health insurance provides one major benefit that applies regardless of deductible status: contract pricing. Medical providers agree to accept significantly reduced rates when bills are submitted through health insurance. Even if the insurance company does not pay immediately, the provider must accept the lower negotiated amount as payment in full.

How Contract Pricing Reduces Medical Bills

Accident related medical services are often billed at very high rates. For example, an MRI may be billed for several thousand dollars. When submitted through health insurance, that same service is typically reduced to a few hundred dollars under the insurer’s contract. If the deductible has not been met, the injured person pays the reduced amount rather than the full invoice, resulting in substantial savings.

How Deductibles Are Met Through Accident Care

Auto accident treatment frequently involves emergency care, imaging, and ongoing therapy. As these reduced charges are processed, they apply toward the deductible. In many cases, accident related care meets the deductible early in the policy year, making future medical treatment later in the year far less expensive.

How This Impacts a Maryland Injury Claim

Even though health insurance reduces what is paid, Maryland law allows injury claims to be evaluated using the full billed amounts. This means the value of the claim reflects the original charges while the injured person benefits from paying only the reduced contract pricing.

Why Skipping Health Insurance Can Cost You

Avoiding health insurance because of a high deductible often results in higher medical bills and less money at settlement. Self pay rates are typically far higher than insurance contract rates, and the difference comes directly out of the injured person’s recovery.

Final Thoughts

High deductible health plans do not eliminate the benefits of using health insurance after an auto accident. In many cases, submitting bills through health insurance significantly reduces costs and improves the overall financial outcome of a Maryland injury claim.

The post High Deductible Health Insurance After an Auto Accident first appeared on Bowers Law.

Wage Loss Payments from a Maryland Automobile Accident Jan 21, 2026

Wage Loss After an Auto Accident: Who Pays and What You Need

Missing work after an accident can be financially overwhelming. Whether you are hourly, salaried, or relying on your business income, the loss of wages adds stress at a time when you should be focused on healing. Attorney Joebeth Bowers explains how wage loss works in a Maryland auto accident claim, where the money comes from, and what documentation is required to make a valid claim.

What Qualifies as a Wage Loss Claim

For most W2 employees, wage loss claims come down to three essential requirements.

First, a medical provider must take you off work. A doctor needs to issue a written note stating that, due to your injuries, you are unable to perform your job duties for a specific period of time. This is not optional. You cannot simply decide on your own to stay home from work and expect to be compensated.

Second, you must actually miss work. Insurance companies verify this. If you continue working, even remotely, you are not considered disabled from work. Hybrid and work from home arrangements can complicate matters, but the rule remains the same. If you are working, you are not off work.

Third, your employer must complete a wage verification form. This form confirms your rate of pay, employment status, and the exact time missed due to the accident. This is typically handled by human resources or the same person you would normally request time off from.

All three elements must be in place for a wage loss claim to move forward.

Why You Cannot Bend the Rules

Attempting to work while claiming wage loss is a serious mistake. Insurance companies will confirm attendance with employers. Claiming lost wages while still working is fraud and can jeopardize your entire case. Following medical restrictions is also critical for your health and for the credibility of your claim.

The First Source of Wage Loss: PIP Coverage

In Maryland, Personal Injury Protection coverage is usually the first place wage loss payments come from. If you contact Attorney Joebeth Bowers’ office early, the goal is to protect as much of your PIP benefits as possible for wage loss.

Some insurance companies operate on a first in, first out system and may not reserve funds. Others are more flexible. Either way, acting quickly matters.

PIP pays 85 percent of your pre tax wages, up to your policy limit. If you waived PIP coverage, there is no wage loss payment available through this source. That is why not waiving PIP and increasing it when possible is so important. Some carriers offer up to ten thousand dollars in PIP coverage for a relatively small premium increase.

What Happens When PIP Runs Out

When PIP is exhausted, lost wages do not disappear. Attorney Joebeth Bowers’ office tracks all missed time and includes wage loss as part of the overall settlement demand to the at fault insurance company.

Maryland law allows this without penalizing the injured person. Even if some wages were paid through PIP, additional wage loss can still be recovered in the settlement depending on the numbers involved. This is legitimate and allowed under Maryland’s evidentiary rules.

Disability Insurance and Reimbursement Issues

Some employers offer short term or long term disability coverage. While the office does not charge fees to manage those claims, guidance is often provided.

The key issue with disability insurance is reimbursement. Some policies have the right to be paid back from a settlement. Others do not. Insurers sometimes attempt to create reimbursement rights after the fact. Those attempts should be reviewed carefully before signing anything. Protecting settlement funds from improper reimbursement claims is a critical part of the process.

What If You Used Sick Time or Vacation

Using sick leave or vacation time does not eliminate a wage loss claim. Vacation time is finite. If you use it because of an accident, you lose the opportunity to use it later. That loss is compensable.

For salaried employees, the issue is lost productivity and performance impact. Missing work affects evaluations, raises, and advancement. Even if paychecks continue, those lost opportunities are real and can be factored into a claim.

Why Guidance Matters

Wage loss claims involve timing, documentation, and coordination between medical providers, employers, and insurance companies. Mistakes can delay payments or reduce recovery.

Attorney Joebeth Bowers’ office works to ensure wages are paid correctly, that PIP is used strategically, and that only valid reimbursement claims are honored. The goal is to maximize what ends up in the injured person’s pocket, not what leaves it.

Final Thoughts

If you are injured and missing work, wage loss can be one of the most important parts of your claim. Knowing where money comes from, when it is paid, and what proof is required can make a major difference.

Questions for future podcast episodes are always welcome. Past episodes are available on the website, and new episodes air

The post Wage Loss Payments from a Maryland Automobile Accident first appeared on Bowers Law.

No Fee Up Front Explained: Hiring an Injury Lawyer in 2026 Jan 06, 2026

Hiring a Lawyer After an Accident Is More Affordable Than You Think

Your car is wrecked. You are in pain. You are trying to get to doctors appointments while missing work and juggling bills. In that moment, the idea of hiring a lawyer can feel impossible. Most people assume attorneys are only for people with extra money sitting around. Joebeth Bowers explains why injury cases work differently, how contingency fees actually operate, and why the system is designed to give you access to representation when you need it most.

Injury Attorneys Do Not Charge Up Front Like Other Lawyers

When most people think of lawyers, they think of hourly billing and large retainers. That can be true in criminal defense, divorce, custody disputes, or other legal matters. Injury law is different.

In an auto accident case, you typically do not pay money up front. You do not pay a retainer to get started. The law firm begins work immediately, handling the claim while you focus on your health, your recovery, and your medical care.

This structure exists for a simple reason. After an accident, most people cannot afford to pay a lawyer by the hour. The contingency fee system allows injured people to get help during some of the hardest days of their lives without being forced into debt just to fight an insurance company.

How the Fee Works and Why It Is Tied to Your Recovery

Most injury cases are handled on a percentage basis. The traditional fee is one third of the final settlement or verdict. That means the fee grows when the result grows.

A small settlement produces a smaller fee. A large settlement produces a larger fee. That is why Joebeth Bowers says you want the case to be handled correctly, even if the attorney fee looks significant on paper. A larger fee usually means the outcome was larger too, and the client ends up with more money than they would have recovered on their own.

The key point is this. There is no bill that shows up every month. There is no hourly meter running that you are expected to fund while you are injured and out of work. The attorney is paid only at the end, after a successful result.

What the Firm Handles So You Can Focus on Healing

One of the biggest benefits of representation is removing the pressure from your day to day life. Joebeth Bowers describes the firm’s job as taking the claim off your plate.

That includes communicating with auto insurance companies for every party involved, coordinating medical records, handling billing issues with providers, and managing health insurance questions related to the claim. Your main job is getting care and keeping the firm informed about your treatment and symptoms.

This is where peace of mind becomes real. Instead of being pulled in ten directions, you communicate with your medical providers and your legal team, and the rest is handled behind the scenes.

Where the Settlement Money Goes and Why You Stay in Control

When a case resolves, the settlement check is deposited into a trust account. That account is monitored under professional rules designed to protect clients. The money is not the firm’s money. It is your money, and the firm acts as a steward of it.

Before anything is paid, you receive a clear breakdown showing where every dollar goes. Medical bills, health insurance reimbursement when required, case expenses, and attorney fees are all listed. You review it and sign off. Then the firm issues the payments and delivers your check.

Clients are often surprised by this step because many people assume they will receive a settlement and then have to figure out which bills to pay on their own. In most cases, that is not how it works. The goal is to resolve the financial loose ends so you can move forward without confusion and without lingering medical balances.

Why PIP Can Make a Huge Difference in What You Keep

Joebeth Bowers also emphasizes something that affects the final numbers in a major way. Personal Injury Protection can cover medical bills and wage loss early, and in Maryland it does not need to be paid back.

When PIP is used correctly, it can reduce what comes out of the settlement later. In some cases, that means the client keeps far more of the settlement than they expected, simply because the billing was handled in the right order and the right coverage was in place.

This is also why the firm encourages people to contact them early. The earlier the process is managed, the easier it is to coordinate coverage, protect your recovery, and reduce unnecessary out of pocket expenses.

The Bottom Line: You Never Write the Firm a Check

The most important takeaway from this episode is simple. In an injury case, you do not pay a lawyer up front. You do not swipe a card. You do not write monthly checks. The firm is paid at the end, from the settlement, only after a successful result.

If you have questions about a case, a policy, or how the process works, Joebeth Bowers offers guidance and policy reviews so people can avoid surprises later. When you are already dealing with pain, missed work, and medical care, you should not have to navigate the insurance system alone.

The post No Fee Up Front Explained: Hiring an Injury Lawyer in 2026 first appeared on Bowers Law.

PIP vs. Health Insurance in an auto accident? Dec 26, 2025

Using Health Insurance to Save on Auto Coverage Can Cost You Later

Many drivers assume that having health insurance means they can safely cut coverage from their auto policy and save a few dollars each month. On its face, that sounds reasonable. If health insurance will pay medical bills after an accident, why pay extra for Personal Injury Protection. Jobeth Bowers explains why this shortcut often backfires and how waiving PIP can quietly cost you far more than you ever saved.

Online Insurance Quotes Are Built to Push the Cheapest Option

When people buy auto insurance online, the system is designed to drive the price as low as possible. That means asking questions that steer you toward waiving important coverage. One of the most common questions is whether you have health insurance. If you answer yes, many online platforms automatically default to waiving PIP without clearly explaining what you are giving up.

Some insurers disguise the waiver with confusing labels like guest medical coverage or option A. These names sound harmless, even premium, but they often represent the weakest protection available. You end up paying less each month by giving up coverage that becomes critical after an accident.

Health Insurance and PIP Do Not Work the Same Way

Health insurance will usually pay for accident related medical care if you follow the rules of your plan. That means in network providers, referrals when required, and copays or deductibles along the way. But the biggest difference shows up at the end of the case.

In Maryland, most health insurance plans have a right to be reimbursed from your settlement. That means when your case resolves, the health insurer gets paid back for what it covered. Personal Injury Protection works differently. PIP pays medical bills and lost wages and does not expect repayment. That money stays with you.

So the real question becomes this. Are you actually getting the same benefit by relying only on health insurance. In most cases, the answer is no.

Why Waiving PIP Shrinks the Value of Your Case

After an accident, there are usually two sources paying early bills. PIP and health insurance. When both are available, they can be used together strategically to reduce out of pocket costs and maximize the final recovery. When PIP is waived, that leverage disappears.

Jobeth Bowers and the team regularly coordinate PIP and health insurance to make sure bills are paid correctly and settlements are protected. But if PIP is not there, there is nothing to leverage. The result is less money in your pocket at the end of the case, even if your injuries are serious.

Saving ten or twenty dollars a month on premiums rarely offsets what is lost when PIP is gone.

A Local Agent Helps You Avoid These Traps

This is one of the biggest reasons Jobeth Bowers recommends working with a local insurance agent instead of buying online. You pay the same premium either way. The agent is paid by the carrier, not by you. What you gain is someone who explains what you are actually buying and flags dangerous defaults before they become permanent mistakes.

A local agent is also there when something goes wrong. Billing issues, coverage questions, and policy changes are far easier to resolve when you can call a real person who knows your account.

Get a Free Policy Review Before It Is Too Late

Bowers Law offers free auto insurance policy reviews for Maryland drivers. There is no sales pitch and no obligation. Jobeth Bowers does not sell insurance. The goal is simple. Make sure you understand your coverage now instead of discovering gaps after an accident.

Think of it as future you sending a message back in time. Fix the policy today so you do not have to hear bad news later when it cannot be changed. If you want clarity on whether your health insurance choice has cost you critical protection, reach out and get your policy reviewed while you still have control.

The post PIP vs. Health Insurance in an auto accident? first appeared on Bowers Law.

The Value Of Catastrophic Injuries: What Could Go Wrong When Everything Has Gone Wrong. Dec 16, 2025

When a Crash Is Catastrophic, Insurance Limits Become the Problem

In a catastrophic crash, the injuries are severe and the stakes are high. Surgeries, permanent scarring, long term disability, and months away from work can turn an accident into a life changing crisis. In these cases, the biggest danger is not just the injury itself. It is the reality that the available insurance may fall dramatically short of what the case is truly worth. Attorney Jobeth Bowers explains the pitfalls that show up when everything has already gone wrong and why your own policy often becomes the only real path to meaningful recovery.

The True Value of a Case and What You Can Actually Collect

A jury can award any amount it believes is fair based on the evidence. That is the theoretical value of a case. But the practical value is often controlled by insurance limits, because collecting money beyond those limits is rarely realistic.

Here is the scenario Attorney Jobeth Bowers uses to make this clear. Assume everyone agrees the case is worth one million dollars. There is no debate about fault or damages. If the at-fault driver only carries the Maryland minimum of thirty thousand dollars, the insurer will often offer that limit as soon as the severity is documented. Once the limit is offered, the insurance company has largely done its job. Its duty to protect its insured stops at the policy limit.

If the case goes to trial and the verdict is one million dollars, the insurance company still pays only thirty thousand dollars. The remaining nine hundred seventy thousand dollars becomes an excess judgment. And in most real-world situations, that excess judgment is never collected in full.

Why Excess Judgments Often Turn Into Nothing

When a person faces a judgment that large, bankruptcy becomes an obvious option. Someone with minimum insurance limits often does not have meaningful assets to pursue. Even if wage attachments or collection efforts are possible, the path is expensive, slow, and uncertain.

That is why Bowers Law runs due diligence and asset checks before deciding whether chasing money beyond the policy limit makes sense. In serious cases, this investigation can cost thousands of dollars, but it answers the most important question. Is there anything real to collect, or would a trial victory only create paper debt that disappears.

Sometimes a defendant can contribute money to settle before a verdict, but that is rare. It usually happens only when significant assets are discovered. Otherwise, the gamble is that the other driver suddenly acquires wealth during the lawsuit, and that is not a plan. That is a lottery ticket.

Enhanced Underinsured Coverage Is Built for These Worst Case Scenarios

This is why underinsured motorist coverage matters so much, especially enhanced underinsured motorist coverage. If you only carry the older style underinsured coverage, your recovery can still be capped in devastating ways.

Consider a slightly better at fault policy. The other driver has five hundred thousand dollars, but your case is still worth one million. If you have one hundred thousand dollars of underinsured coverage without enhanced stacking, you may be stuck at five hundred thousand total. But if you carry enhanced underinsured motorist coverage, you can stack your one hundred thousand on top of the five hundred thousand. That puts you at six hundred thousand. It is not the full value of the case, but it is a major improvement.

The point is not that catastrophic crashes are common. The point is that when they happen, the financial damage is so large that being underinsured becomes a second disaster.

What Coverage Levels Make Sense for Homeowners

Attorney Jobeth Bowers recommends that homeowners seriously consider higher limits, both for liability and underinsured motorist coverage. Home values have risen, and long term loss of income after a serious injury can put a mortgage at risk.

A practical benchmark is to look at what it would take to pay off the home if you could not work for a long time. Your underinsured motorist coverage should at least match that number, and often more. The surprising part is that raising coverage limits is often not as expensive as people assume. The jump from one hundred thousand to two hundred fifty thousand can be a relatively small increase because most claims fall below one hundred thousand.

Get a Free Policy Review Before You Need to Use It

If you have not reviewed your auto policy recently, now is the time. Bowers Law offers free policy reviews with no pressure and no sales pitch. The goal is to help you understand your options, what to ask your agent, and what changes could protect you in a worst case scenario.

You can always buy more coverage before an accident. You cannot buy it after. If you want a second set of eyes on your policy, reach out and get clarity now, while you still have the power to change the outcome.

The post The Value Of Catastrophic Injuries: What Could Go Wrong When Everything Has Gone Wrong. first appeared on Bowers Law.

Your Insurance Still Protects You When You Are a Passenger in Someone Else’s Car Dec 09, 2025

Your Insurance Still Protects You When You Are a Passenger in Someone Else’s Car

You have spent years improving your auto insurance policy. You have researched your coverages, added the right protections, and followed every piece of advice from this podcast. But now you are traveling in someone else’s vehicle, and a new worry creeps in. What happens if there is an accident and the other driver’s insurance is terrible or nonexistent? Does all of the work you put into your own policy still matter? Attorney Bowers explains that your coverage may be more powerful and more portable than you think.

Your Policy Follows You, Not Just Your Car

Many drivers believe their insurance only protects them when they are behind the wheel of their own vehicle. That is not the case. The injury-related coverages on your personal auto policy are tied to you as a person. They follow you into any vehicle, including a friend’s car, a family member’s car, or a rideshare. You do not lose the protection you paid for simply because you are not driving.

This applies to the parts of your policy that cover your own physical injuries. It does not apply to property related add ons such as manufacturer parts riders. Those only apply to your own vehicle. But everything designed to protect your body and your financial stability after an injury travels with you.

Why PIP Coverage Matters Most When You Are a Passenger

Personal Injury Protection is the first coverage to apply after an accident. It covers medical bills and lost wages regardless of who caused the crash. And while the PIP on the vehicle you are riding in pays first, your own PIP can pick up exactly where the first policy stops.

For example, if the vehicle you are in has waived PIP for the household, it still must provide you the Maryland minimum of twenty five hundred dollars. Once that is exhausted, you can turn to your own PIP and receive the remaining benefit up to your full limit. If you carry ten thousand dollars in PIP on your personal policy, you still receive the entire amount as long as you have enough medical bills or lost wages to support the claim.

This ability to stack PIP sources is one of the most valuable and often overlooked benefits in your policy. And Maryland law makes it clear that your insurance company cannot raise your rates or penalize you for using PIP, even when you use it as excess coverage while riding in someone else’s car.

Your Underinsured and Uninsured Coverage Travels With You Too

The same portability applies to uninsured and underinsured motorist coverage. If the at-fault driver carries low limits and the vehicle you are in has modest coverage as well, your own policy can step in as the final layer of protection.

Imagine an at-fault driver with thirty thousand dollars in coverage, the vehicle you are riding in with fifty thousand dollars in underinsured motorist coverage, and your personal policy with one hundred thousand dollars of protection. You can recover from each layer until you reach the total value of your injuries. Your careful planning still benefits you even when your own car is not involved in the crash.

This is especially important today, as many Maryland drivers continue to carry only minimum coverage. Your stacked protections ensure that you do not rely entirely on whatever insurance a friend or stranger happens to have.

You Built Your Policy for a Reason, and It Still Works When You Are Not Driving

The key message is simple. The injury-related parts of your insurance travel with you almost everywhere. The protections you put in place are not lost just because you are a passenger. Your PIP, your underinsured motorist coverage, and your enhanced underinsured motorist coverage can all apply in most accidents even when they happen in another person’s vehicle.

If you want to make sure your coverage is set up correctly or want to understand how your benefits would work in a real accident, contact Bowers Law. The team reviews auto insurance policies every day and can help you structure yours in a way that truly protects you no matter where you are sitting when a crash occurs.

Your policy is your safety net. Make sure you understand everything it can do for you, whether you are behind the wheel or just along for the ride.

The post Your Insurance Still Protects You When You Are a Passenger in Someone Else’s Car first appeared on Bowers Law.

Why Your Settlement Offer Is Much Lower Than You Expected Dec 02, 2025

Every Insurance Company Plays by a Different Rulebook

No two insurance companies evaluate accident claims the same way. They may use similar ideas, but their internal playbooks differ dramatically. One company may put more weight on medical bills, while another cares more about liability or risk. This is why your offer might look completely different from someone you know who had what seems like a similar accident.

One of the most important points Jobeth emphasizes is this. The insurance company has a duty to protect its own insured driver. It does not have a duty to the person who was hurt. Even if both drivers are insured by the same company, the duty does not extend across the claim. This single fact shapes everything that follows.

Commercial Policies Often Make Bigger Offers

Commercial vehicles and trucking companies often carry larger insurance policies. Bigger coverage limits mean more exposure if a jury issues a large verdict. These companies also deal with significant logistics. If a truck driver is scheduled for a delivery hundreds of miles away, the insurer still has to get that driver to Elkton for trial next Thursday. That creates time pressures and expenses that consumer auto carriers rarely face.

Because of this, some commercial insurers would rather pay a generous settlement up front than deal with trial risks, travel costs, or jury uncertainty. Jobeth sees many cases where commercial carriers offer twenty percent more than the typical television advertised carriers simply because it saves them time and money in the long run.

Smaller Insurance Companies Often Spend More to Defend a Lawsuit

If the insurer does not have a large presence in Maryland, they usually hire outside defense attorneys. Those attorneys require a significant retainer, often twenty or thirty thousand dollars, plus hourly billing. If a case is worth one hundred thousand dollars, an insurer can either pay that voluntarily or take the risk of spending thirty thousand dollars on defense fees plus the one hundred thousand dollars that the case is worth anyway. And if the case goes all the way to trial and the jury awards one hundred fifty thousand dollars, the company will pay both the verdict and the defense costs along the way.

Some insurance companies take this risk seriously and try to settle early. Large national carriers do not feel the same pressure because many of them have their own in house law firms. Their costs to defend a case are fixed, which means filing suit does not change their financial position much. These differences explain why some offers jump quickly while others barely move.

Why Self Negotiated Claims Get the Worst Offers

The biggest reason low offers happen is simple. If you are negotiating with an insurance company without an attorney, they will almost always offer far less than the value of your case. Jobeth sees this every single day. Insurers count on people trusting online calculators, old stories from relatives, or information they found on the internet that is half true or completely false. They also try to scare people by saying an attorney will take a third of the settlement. What they do not say is that the attorney will negotiate a much larger settlement in the first place.

A lawyer does not take a third of the garbage offer. A lawyer takes a third of a fair settlement or a verdict that reflects what the case is truly worth. Your final compensation is almost always higher with real representation.

How to Protect Yourself When the Offer Seems Wrong

If your offer looks far too low, you may be dealing with an insurer that is cutting corners, relying on in house attorneys, or hoping you do not understand your rights. Bowers Law handles injury cases every day and knows the playbooks for most major companies. Jobeth and the team know which insurers roll over the moment a lawsuit is filed and which require specific pressure points to make a real offer.

If you were injured in an accident, reach out to Bowers Law. This is the only type of case they handle, and they focus exclusively on helping people in Cecil County. They will review your claim, explain why your offer came in so low, and take the steps needed to secure the value your case deserves.

Be informed. Be protected. And never accept a settlement that does not reflect the real worth of your injuries.

The post Why Your Settlement Offer Is Much Lower Than You Expected first appeared on Bowers Law.

Errors on a Maryland Accident Report? What do to next Nov 18, 2025

Accident Reports Aren’t the Final Word

Many Maryland drivers assume that the information in an accident report is ironclad — but that’s simply not the case. According to Joe Bowers of Bowers Law, police accident reports are not considered legal evidence in most cases. Unless the officer personally witnessed the crash (which is rare), the report is based on secondhand information and subject to human error. This makes it crucial to review your accident report carefully for mistakes — and to know that errors can be overcome.

Common Mistakes and Why They Happen

Mistakes on accident reports are more common than you might think. These range from swapped driver/passenger roles, incorrect vehicle assignments, misspelled names, or inaccurate time stamps. Bowers shares a case where a witness mistakenly assumed the person standing near the driver’s door post-crash was the driver — when in fact they were a passenger. The error led to a denied claim and months of litigation. Bottom line: the facts matter more than the report, and insurers will often use report errors to delay or deny your claim.

Can You Fix the Report?

In rare cases — maybe once or twice a year — Bowers’ team has been able to get reports corrected. This typically only happens when the error is significant, like incorrect party roles. Minor mistakes (e.g., wrong date, typo in the vehicle number) usually won’t be corrected by police departments. Still, those errors aren’t deal-breakers for your case. The key is understanding that the accident report is just one part of a larger legal and claims process.

Insurance Companies Will Exploit These Errors

Insurance companies are incentivized to pay as little as possible. If there’s an inconsistency in the report that benefits them, they will exploit it — even when logic and injury patterns suggest otherwise. They’ll use it to delay, deny, or diminish your claim. That’s why having an attorney on your side from the very beginning is critical. Your legal team can push back with facts, evidence, and witness credibility — not just what’s written on paper.

Bowers Law Handles It All — From Report to Resolution

The best move you can make after an accident is to contact Bowers Law immediately. They’ll request the police report for you, review it line-by-line, and help correct or contextualize any inaccuracies. And if something can’t be changed, they’ll make sure the error doesn’t jeopardize your case. Most cases don’t even go to trial — but if yours does, it’ll be the facts, not the accident report, that are on trial.

The post Errors on a Maryland Accident Report? What do to next first appeared on Bowers Law.

Roadside Assistance on your Maryland Auto Policy- Should you have it? Should you use it? Nov 05, 2025

The Real Cost of Roadside Assistance Claims

When your car breaks down on the side of the road, your first instinct may be to turn to the roadside assistance included in your auto insurance policy. After all, that’s what it’s there for — right? But attorney Joe Bowers urges Maryland drivers to think twice before making that call. Why? Because even simple claims can affect your premiums, and that “helpful” service might come with hidden costs down the road.

Why Using Your Policy May Hurt You

We live in a time when insurance rates are rising across the board, whether or not you file a claim. That means every interaction with your insurance provider could have consequences. Submitting a roadside assistance claim, even for something minor like a dead battery or flat tire, still gets logged in your policy history. While it’s unlikely to raise your premium on its own, every claim adds to a track record that may be used against you when your policy renews.

AAA as a Smarter Alternative

Instead of filing a claim with your auto insurer, Joe recommends looking into an independent roadside service like AAA. Unlike your insurer’s assistance program, AAA is not tied to your vehicle or insurance policy — it’s tied to you. That means you can use it when you’re riding in someone else’s car, a taxi, or even an Uber. More importantly, using AAA doesn’t count as an insurance claim and won’t come back to haunt you later.

Joe notes that AAA often has better response times thanks to its nationwide network of providers, and while it may cost slightly more than your insurer’s add-on, it often ends up being more reliable and less risky in the long run.

Save Now, Pay Later? Maybe Not Worth It

Sure, having roadside assistance bundled into your policy might be a little cheaper. But you have to ask yourself: Is the savings worth the potential for increased rates down the line? When you consider the possibility of long wait times, limited coverage, and claim history risks, the few extra bucks per year for AAA might be the smarter investment.

Joe has seen firsthand how insurance companies react to any type of claim — no matter how small. He’s also seen how little some agents understand about the real-world impact of what they’re selling. That’s why he encourages drivers to take advantage of free insurance policy reviews from someone who deals with accidents every single day.

Contact Bowers Law

At Bowers Law, we don’t sell insurance, but we do help people recover from accidents every day — and we know what policies truly protect you. If you’re unsure whether your roadside assistance coverage is helping or hurting, get a free policy review from Jobeth and his team. Whether you’re a current client, past client, or just someone who wants to be prepared, we’ll review your policy and explain what it actually means. Call us today.

The post Roadside Assistance on your Maryland Auto Policy- Should you have it? Should you use it? first appeared on Bowers Law.

Top 10 Auto Insurance Hacks for Maryland Part 4 of 4 Oct 28, 2025

Final Two Tips That Can Save You the Most

As we wrap up our four-part series on Maryland auto insurance hacks, attorney Joe Bowers shares the last two — and possibly most impactful — tips on how to save money and strengthen your policy. Even if you’ve already made some improvements, these final suggestions could make the biggest difference in both cost and protection.

Tip #2: Compare Quotes the Smart Way

While Joe previously urged listeners not to be afraid to switch carriers, this tip goes a step further: get multiple side-by-side quotes using an independent broker. These brokers can check 20 or more companies to find the best match for your specific needs. Some insurers are better suited to high-risk drivers, others to families or homeowners. Don’t just call a 1-800 number or fill out an online form — real savings come from working with a local agent who understands your unique situation.

Tip #1: Know Your Needs Before You Commit

The most powerful tip is also the most personal: understand what you need from your insurance policy. That means knowing how much coverage makes sense for your lifestyle, vehicle value, homeownership status, and financial goals. Joe offers free insurance reviews to anyone — not just clients — to help people determine whether they’re underinsured or paying for things they don’t need. It’s about protecting yourself adequately, not just legally.

Don’t Assume Minimums Are Enough

Many Maryland drivers carry only the minimum state coverage, not realizing how quickly that falls short in a real accident. Joe explains how driving a $60,000 car with only $15,000 in property damage coverage can be a disaster waiting to happen. The key is aligning your coverage limits with your financial exposure, not just what the law requires.

Tap into Local Expertise

Joe stresses that insurance agents who know you can help you make smarter choices. A live, local agent can explain how increasing PIP coverage or adjusting liability limits might only cost a few dollars more — but could save you tens of thousands in the event of a serious accident. And since Bowers Law only handles auto injury cases, their team knows exactly what coverage types prove essential when things go wrong.

Top 10 Recap and Ongoing Support

To recap, the full list of auto insurance hacks includes:

Don’t be afraid to switch
Read the fine print (or have Joe do it)
Review your policy every year
Ask about discounts
Increase your deductible
Maintain a good driving record (and credit score)
Bundle policies
Understand your coverage
Compare quotes
Know your needs

Top 10 Auto Insurance Hacks for Maryland Part 4 of 4

If you want help understanding your policy — or if you’re thinking about shopping around — Bowers Law offers free insurance policy reviews to Maryland drivers. Whether you’re a client or not, Joe will walk you through what your coverage actually means, and where you might be at risk. Want to know if you’re getting the best deal and the right protection? Contact Bowers Law today.

The post Top 10 Auto Insurance Hacks for Maryland Part 4 of 4 first appeared on Bowers Law.

Top 10 Auto Insurance Hacks for Maryland Part 3 of 4 Oct 21, 2025

Bundle Your Policies to Unlock Big Savings

One of the most overlooked auto insurance hacks is bundling your policies under one provider. Many Maryland drivers miss out on this opportunity to save, especially when their homeowners or renters policies are managed separately. Whether you own a home or rent, consolidating your policies can result in discounts of 10% or more across the board. Even renters can benefit—often getting a discount that exceeds the actual cost of a renters policy, making it essentially free.

Specialty Vehicles Need Special Attention

While bundling is generally beneficial, there are exceptions. Specialty vehicles like motorcycles, RVs, or classic cars may require a different provider for optimal coverage and pricing. That said, some companies can handle both general and specialty vehicles effectively. It’s worth investigating to avoid missing out on potential savings without compromising coverage.

Know What You’re Buying

Understanding your coverage types is essential. Many people purchase policies online or through a 1-800 number and never get an explanation of what their insurance actually includes. Working with a live, local agent—or taking advantage of Bowers Law’s free insurance review—can help you learn exactly how your coverage works in various scenarios. This ensures you’re not left underinsured or surprised at claim time.

Don’t Be Afraid to Ask for More

Higher coverage limits don’t always mean a significantly higher premium. In fact, increasing your liability or uninsured motorist coverage can sometimes lead to lower overall costs. Insurance companies see these requests as indicators that you’re a low-risk customer. Joe has even seen cases where switching companies and increasing coverage fivefold actually saved clients money.

Top 2 Tips Coming Next Week

Only two tips remain on Joe Bowers’ top 10 insurance hacks list—and they’re the biggest ones yet. Be sure to check back next week for final insights that could make a real difference in your policy’s quality and cost.

Top 10 Auto Insurance Hacks for Maryland Part 3 of 4

Still have questions about bundling, policy coverage, or increasing your limits? Attorney Joe Bowers offers free insurance policy reviews—no strings attached. Whether you’re a client or not, he’s happy to review your documents and help you optimize your coverage. Contact us today to get started.

The post Top 10 Auto Insurance Hacks for Maryland Part 3 of 4 first appeared on Bowers Law.

Top 10 Auto Insurance Hacks for Maryland Policies Part 1 of 4 Oct 07, 2025

Why You Need to Review Your Policy Now

Auto insurance rates in Maryland—and across the country—are on the rise, with some increases reaching up to 50%. In this series, Attorney Joe Bowers walks you through his top 10 insurance hacks to help cut costs, boost coverage, and avoid painful surprises when it matters most. In this first installment, he covers tips 10, 9, and 8—starting with some common but costly misconceptions.

Hack #10: Don’t Be Afraid to Switch Companies

Many people stick with the same insurer for years, believing that loyalty will be rewarded. Unfortunately, that’s rarely the case. Insurance companies don’t treat long-term customers better—they treat them like numbers. Even “loyalty perks” like vanishing deductibles or rate locks tend to be temporary or tied to very specific conditions. The bottom line: shopping around can often save you money and improve your coverage.

Hack #9: Read the Fine Print—or Let Joe Do It

Insurance policies are full of exclusions, limitations, and hidden pitfalls that can destroy your claim when you need help the most. Bowers offers free insurance policy reviews to anyone—client or not—who wants a second opinion. He’s seen the difference between agents who write solid, protective policies and those who cut corners. If you’re unsure, get your policy reviewed now, especially if you bought it online without guidance.

Hack #8: Review Your Policy Every Year

We’re all guilty of letting things slide—especially when policies are on auto-renewal and payments are on autopay. But when it comes to auto insurance, “set it and forget it” can cost you big. Policies need to be reviewed regularly for changes in the law, life circumstances (like a new driver or vehicle), and potential gaps. Joe will even review your policy every year, free of charge—no strings attached.

Top 10 Auto Insurance Hacks for Maryland Policies – Part 1 of 4

Want to make sure you’re not overpaying or underinsured? Start by reviewing your policy now. Contact Bowers Law. Whether you’ve been with your company for 20 years or just signed up, it pays to know exactly what you’re getting—and what you’re not.

The post Top 10 Auto Insurance Hacks for Maryland Policies Part 1 of 4 first appeared on Bowers Law.

Insurance for Rideshare and Delivery App Drivers Sep 30, 2025

Who’s Covering You When You Drive?

Whether you’re driving for Uber, DoorDash, or a newer app like Devour Now, the big question is this: who’s insuring you while you’re on the job? The answer isn’t always simple. While these platforms usually require you to carry valid auto insurance and maintain a well-functioning vehicle, your insurance policy might not protect you once you’re driving for pay. Understanding when you’re covered—and when you’re not—is critical.

The Two Modes of App-Based Driving

Most rideshare and delivery platforms treat your driving status as either “on” or “off.” Once you’ve accepted a job—whether you’re en route to pick up a passenger or grab an order—you’re typically covered under the platform’s commercial policy. Until then, neither the platform nor your personal insurance may provide coverage during idle app time or while waiting for a gig. This in-between moment is one of the biggest coverage gaps that drivers often overlook.

What Your Personal Insurance May Not Cover

Many personal auto insurance policies exclude coverage during rideshare or delivery work. That means if you’re using your car for business—even if you’re just making one delivery—your policy could deny coverage in the event of an accident. Worse, if your commercial platform’s policy doesn’t fully kick in, it could leave you in a financial bind. Ask your insurance agent directly about the exclusions and options for rideshare-friendly coverage.

Don’t Rely on the App’s Coverage Alone

While companies like Uber and DoorDash often carry generous liability coverage once you’ve accepted a job, those policies are primarily designed to protect the company, not you. The quality and terms of these policies also differ significantly. If your personal coverage is denied and the platform’s policy doesn’t fully apply, you could be left with unpaid medical bills, vehicle damage, or worse. That’s why Joe Bowers strongly recommends consulting a live agent to review your policy—especially before signing up to drive.

Insurance for Rideshare and Delivery App Drivers

If you’re a rideshare or delivery driver—or even considering it—don’t wait until after an accident to understand your insurance coverage. Contact Bowers Law for a free policy review. We’ll help you spot gaps before they become costly mistakes. Contact us for more information.

The post Insurance for Rideshare and Delivery App Drivers first appeared on Bowers Law.

Slow down for New Maryland Laws Sep 23, 2025

Maryland’s Traffic Laws Just Got Stricter

Maryland enacted new laws on October 1st, which all drivers, especially those with heavy foot traffic, should be aware of. One of the most significant changes is a stricter penalty for drivers caught speeding more than 30 mph over the posted limit. This isn’t just a ticket anymore; the consequences now include a potential fine of up to $1,000 and even up to 60 days in jail.

Why These Changes Matter

These updates come as part of the state’s efforts to improve road safety and reduce serious accidents. Speeding continues to be a leading factor in high-impact collisions, and lawmakers are aiming to crack down harder to save lives. Now is the time to seriously reconsider your speed limit-pushing habit.

Legal Ramifications: Jail Time for Speeding?

Yes, you read that right. Under the new law, exceeding the speed limit by 30 mph or more is now a jailable offense in Maryland. While it remains to be seen how often judges will impose incarceration, the law clearly gives them the power to do so. Prosecutors may become more involved in these cases too, marking a shift from how speeding violations were previously handled.

What You Should Do

Please reduce your speed and give this law the attention it deserves. The increase in penalties means there’s more at stake than just your wallet. Your clean driving record and your freedom could be on the line. Whether you’re commuting on I-95 or cruising local roads in Cecil County, make sure you’re following the speed limit—especially now.

Stay Informed, Stay Safe

Maryland enacts new laws every year, and staying informed helps protect your rights and your safety. You can find a full list of all October 1st legal updates on the Maryland State Bar Association website. These changes impact more than just traffic law—there are updates on expungement rules, victim protections, and even personal-use cannabis laws.

Slow Down for New Maryland Laws

If you have questions about how these changes may affect you after a traffic stop or accident, contact our team at Bowers Law. We’re here to help you understand your rights and guide you through any legal challenges you may face.

The post Slow down for New Maryland Laws first appeared on Bowers Law.

One little trick for $100,000 or more! Sep 17, 2025

Are You Making a Six-Figure Mistake With Your Auto Insurance?

Most Maryland drivers don’t realize their current insurance setup could cost them $100,000 or more if they’re in a serious accident. In this episode, Jobeth Bowers breaks down the enhanced underinsured motorist coverage—a little-known but critical part of your auto insurance policy. This coverage could mean the difference between being properly compensated or walking away with nothing after a crash.

What Is Enhanced Underinsured Motorist Coverage?

Enhanced underinsured motorist coverage (also labeled “enhanced UM/UIM” on your policy) ensures that your policy protects you, even if the other driver has minimal coverage. For example, if the at-fault driver has $30,000 in coverage and you have a regular (non-enhanced) $30,000 UM/UIM policy, you may receive nothing extra. That’s because traditional policies offset each other. With enhanced coverage, you could get your full $100,000 (or more) on top of the $30,000 from the other driver’s insurer.

Why Most Drivers Don’t Have It

Unfortunately, Maryland insurers aren’t required to offer enhanced coverage unless you’re starting a new policy or modifying an existing one. That means unless you ask for it, you probably don’t have it. Even more concerning, people buying insurance online—without help from a licensed agent—are most likely to miss out on this vital option. Joe recommends calling your agent now to ask, “Do I have enhanced underinsured motorist coverage?”

How Much Does Enhanced Coverage Cost?

Despite its massive potential benefit, enhanced coverage is surprisingly affordable. Adding it to your policy may only cost $30 to $40 per year. For the cost of one dinner out, you could avoid a devastating shortfall in compensation if you’re injured in a serious crash caused by someone with low limits. Bowers emphasizes that the value far outweighs the cost and urges drivers not to wait until it’s too late.

One Little Trick for $100,000 or More!

If you want to avoid a painful insurance shortfall after a crash, now is the time to act. Check your policy. If it doesn’t say “enhanced” next to your underinsured motorist coverage, call your insurance agent today and ask about adding it. This small step could be the difference between walking away with tens of thousands—or walking away with medical debt.

The post One little trick for $100,000 or more! first appeared on Bowers Law.

How to win a word vs. word accident Sep 09, 2025

Understanding “Word vs. Word” Accidents in Maryland

In Maryland, determining fault in car accidents can be especially challenging due to its strict contributory negligence law. This law means that if you’re even 0.01% at fault in an accident, you could be barred from recovering anything. That’s why “word vs. word” cases—where both drivers claim the other is at fault—can be so hard to win. These cases often come up at intersections or four-way stops, where it’s your word against the other driver’s, and without clear evidence, even a judge may not be able to rule in your favor.

What to Do Immediately After a Crash

If you’re physically able, gather as much information as possible at the scene. Get contact info, license plates, and witness statements from anyone who saw the accident—not just those directly involved. Witnesses can make or break your case. If you can provide names and numbers to your attorney right away, they can follow up and secure helpful statements before those leads go cold. If you’re injured and can’t do this yourself, having a passenger do it can make a critical difference.

The Power of Dash Cams

Joe Bowers strongly recommends investing in a dashcam. Even a lower-end model can provide footage that may instantly clarify fault in an accident. In fact, Bowers Law has resolved “word vs. word” cases simply by submitting client dash cam footage to the insurance company, avoiding lengthy trials. Dash cams capture details you may miss and give you proof when there are no witnesses. Joe is currently testing several dash cams and will release his recommendations soon—but don’t wait too long. Any dash cam is better than none.

Insurance Companies Respond to Evidence

Having clear dashcamfootage can dramatically shift how insurance companies treat your claim. Bowers Law’s reputation already encourages fair settlements, but hard evidence like video can make the process faster and easier. This not only alleviates your stress but also prevents unnecessary court battles and protects you from unfair blame. Remember: when it’s your word against someone else’s, objective proof is your best weapon.

Talk to Bowers Law About Your Accident

If you’ve been involved in a word vs. word accident or want to prepare for the future, contact Bowers Law for a free consultation. We’ll review your case, discuss the best strategies, and help you protect your rights. You don’t need to be a client or former client—just someone who wants solid legal advice. Call or email us today, and don’t forget to check out previous podcast episodes at bowerslawmd.com

The post How to win a word vs. word accident first appeared on Bowers Law.

Should You Talk To The Insurance Company After Your Maryland Auto Accident? Aug 26, 2025

Are Insurance Companies Really on Your Side?

Insurance companies love to use comforting slogans—“You’re in good hands,” “Like a good neighbor,” and “We’re on your side.” These phrases are designed to build trust and convince you that the insurance adjuster calling you after your accident has your best interests in mind. But here’s the truth: they don’t. Their primary goal is to minimize payouts and protect their profit margins, not to ensure you’re properly compensated for your injuries or damages.

When you’ve been in an auto accident, especially one involving injury, your best move is to avoid talking to the insurance companies—yours or theirs—until you’ve spoken with an attorney. Insurance adjusters are trained to be friendly and sympathetic, but their job is to settle claims for as little as possible. That’s why working with a law firm like Bowers Law from day one is crucial to protect your rights and your recovery.

The Real Game: Profit Over People

Every insurance company operates under a simple business model: collect premiums and avoid paying claims. Over the past few years, most insurers have raised rates by as much as 50%, yet continue to fight hard to reduce payouts. Adjusters are trained to become your “buddy” on the phone, lulling you into a false sense of trust—especially when it’s the other driver’s insurer contacting you. But you must remember, they represent the person who caused your accident, and they will do everything they can to pay you less.

To these companies, you’re not a person—you’re a number in their spreadsheets. The goal is to save just $1,000 per claim, multiplied by millions of claims per year. That’s why many people who accept early settlements end up with far less than they deserve.

Real Case Examples: Why Hiring a Lawyer Pays Off

At Bowers Law, we’ve seen firsthand how insurance companies try to lowball accident victims. One client received a $900 initial offer before hiring us—and ended up settling for $100,000, the full limit of the policy. Another client was prepared to accept $20,000 after 18 months of medical treatment, but after we took the case, they received a $375,000 settlement.

Even more dramatically, a case where the insurer refused to offer more than $10,000 ended in a jury verdict of $568,000. These aren’t outliers—they’re evidence of what happens when an experienced attorney takes over and forces the insurance company to play fair.

Don’t Be Fooled by False Promises

One of the most dangerous lies insurance companies tell is that they’ll continue to pay your medical bills after a settlement. That’s simply not true. Once you sign a release, your claim is closed. No future payments. No exceptions. It’s a trap that many injured people fall into because they’re overwhelmed, vulnerable, and just trying to make ends meet after a crash.

With Bowers Law on your side, you don’t have to worry about these tactics. We handle the insurance calls, the paperwork, and the negotiations. You focus on healing. We focus on getting you the compensation you deserve.

Should You Talk to the Insurance Company After Your Maryland Auto Accident?

No. Not without legal representation. The safest thing you can do is let a personal injury attorney handle all communications from the start. At Bowers Law, we offer free consultations and case evaluations, even if you’re not sure you want to pursue a full claim. We’ll guide you through what to say, what not to sign, and how to protect your future.

Call us at (410) 885-6200 to get started. You don’t need to be a client to get advice, and we’re happy to answer questions about your case or help you find past podcast episodes that discuss similar issues. Don’t let an insurance company take advantage of you. Call us today.

The post Should You Talk To The Insurance Company After Your Maryland Auto Accident? first appeared on Bowers Law.

Which insurance should handle vehicle repairs? Aug 19, 2025

Know Your Vehicle’s Worth Before an Accident

If you drive a luxury, classic, or modified vehicle, it’s crucial to consider how your insurance policy will protect your investment in the event of an accident. High-end cars like Teslas, Jaguars, Escalades, or classic collectibles require specialized parts and repairs, which can present a unique challenge when dealing with insurance companies—especially if the at-fault driver has only the minimum property damage coverage allowed in Maryland ($15,000). That amount won’t even begin to cover the cost of damage or replacement on many vehicles.

Don’t Let Online Insurance Policies Leave You Underinsured

The convenience of buying auto insurance online might come at a cost. Many online insurance platforms prioritize low premiums and might not alert you when you’re underinsured—particularly for expensive or customized vehicles. If you’re driving a high-value car or have invested in aftermarket upgrades, it’s essential to work with a live insurance agent who can help you select the right level of property damage and personal injury protection (PIP) coverage. Agents understand your vehicle’s needs and can recommend coverage that matches.

What Happens When the Other Driver Has Poor Coverage?

If someone hits your vehicle and they’re carrying minimum coverage, your best bet is to file a no-fault claim through your own insurance. Your company will pay for the damages and then seek reimbursement from the other driver’s insurer. But here’s the catch: if your own policy doesn’t offer sufficient protection, you might be left footing the bill. This is why it’s vital to have adequate collision and comprehensive coverage, especially when driving a higher-end or modified vehicle.

OEM and Aftermarket Parts: Protect Your Modifications

Have you added a new spoiler, grille, or custom trim? Then you should consider adding a rider to your policy for OEM (Original Equipment Manufacturer) parts or declared aftermarket modifications. Without this rider, your insurer might replace damaged parts with cheaper alternatives—or worse, refuse to cover them altogether. Some insurers offer a contractual obligation to use OEM parts where available, ensuring that your vehicle is repaired to the same standard as before the accident.

Avoid Personal Liability with Proper Coverage

It’s not just about protecting your own car—if you cause an accident and damage someone else’s expensive EV or luxury vehicle, having low property damage limits could expose you to a lawsuit for the amount your insurance won’t cover. To avoid this, carry sufficient property damage limits in your policy. As vehicle prices continue to climb, so does the financial risk of inadequate coverage.

Which Insurance Should Handle Vehicle Repairs?

If you’re hit by someone with low coverage, your own insurer is often the best route to get your vehicle repaired properly and quickly. Make sure your policy is equipped to handle the kind of vehicle you drive. Bowers Law offers free auto insurance reviews to Maryland residents—no strings attached, no sales pitch. Just send them your policy declarations page, and they’ll walk you through whether your coverage is truly sufficient.

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Excellent Driver Here's a tip to save you BIG on your auto insurance premiums Aug 13, 2025

Why Auto Insurance Rates Are Rising

Insurance premiums, like just about everything else these days, are climbing fast. Even policyholders with clean driving records are seeing unexpected rate increases. Attorney Joe Bowers highlights that even reputable insurers like Erie Insurance are raising premiums significantly. But don’t worry—there’s a way excellent drivers can fight back and save big.

Consider Raising Your Deductible—But Only If You’re a Great Driver

If you rarely cause accidents, raising your deductible can drastically lower your premiums. A deductible is the amount you pay out of pocket before your insurance kicks in for vehicle repairs after an at-fault accident. For safe drivers, increasing it from $250 to $1,000 can save hundreds annually—and possibly more over time.

Why Collision Coverage Drives Up Costs

Collision coverage is often the most expensive part of your policy because it pays for damage to your own vehicle, regardless of who’s at fault. It’s frequently used, which makes it a prime target for premium increases. Raising your deductible reduces this cost, especially for drivers who don’t often file claims.

Always Work with a Human Insurance Agent

One of Joe Bowers’ most repeated pieces of advice? Don’t buy your insurance online. Instead, work with a local agent who can explain your options and provide tailored advice. You’ll pay the same price but gain the benefit of real-person support—no hidden fees or sales pitches. And when Bowers reviews your policy, he does it completely free, no strings attached.

Save, But Be Smart About It

Raising your deductible means you’ll need to pay more out of pocket in the event of an at-fault accident. Bowers suggests setting aside some of the money you save each year in a dedicated account—so if the worst happens, you’re ready. This isn’t financial advice, just common sense for those looking to maximize savings without getting caught off guard.

Want a Free Insurance Policy Review?

Excellent Driver? Here’s a tip to save you BIG on your auto insurance premiums
If you’re a safe driver and want to make sure your policy is working for you—not against you—Attorney Jobeth Bowers offers free, no-obligation insurance reviews. You don’t need to be a current client or even involved in a case. Just email me and ask for a review. If your current coverage has hidden pitfalls, he’ll help you spot them.

The post Excellent Driver Here’s a tip to save you BIG on your auto insurance premiums first appeared on Bowers Law.

Don't Make this $3 mistake with your auto policy Aug 06, 2025

A Small Waiver with Big Consequences

When buying car insurance online, many people unknowingly waive Personal Injury Protection (PIP) to save just a few dollars. This decision, often made without proper explanation, can cost you thousands in lost coverage after an accident.

What Is Personal Injury Protection?

PIP is a no-fault benefit that covers medical bills and lost wages, regardless of who caused the accident. In Maryland, the baseline coverage is $2,500 per person per accident, and the cost is often under $20 every six months. Using it does not raise your premiums, and insurers can’t drop you for filing a PIP claim.

What Are You Really Saving?

In one real-life example, the full PIP premium was $18 per six months, while the waived version cost $15. That’s a $3 savings in exchange for losing $2,500 in coverage per person. At that rate, you’d need to go over 400 years accident-free to come out ahead financially.

Waiver Pitfalls You Might Not Notice

Waiving PIP only applies to the policyholder, household members over 16, and listed drivers—not passengers or non-household members. So even if you waive PIP, your passengers may still receive coverage, while you and your family are left unprotected. That $3 “savings” could leave you footing a big bill.

Don’t Make This $3 Mistake

Before you check that waiver box, take a closer look at your auto policy. If you’re unsure, call (410) 885-6200 or visit bowerslawmd.com to make sure you’re not paying to give up valuable protection.

The post Don’t Make this $3 mistake with your auto policy first appeared on Bowers Law.

Can I Pay My Own Medical Bills After a Maryland Auto Accident? Jul 29, 2025

Can You Pay Medical Bills Yourself After a Maryland Accident?

It’s a common question after an auto accident: can you pay your own medical bills directly instead of letting your attorney pay them from your settlement? The short answer is yes, but there are important considerations to keep in mind.

Why Some Clients Choose to Pay Directly

Many clients choose to pay medical bills on their own if they have a Health Savings Account (HSA) or Flexible Spending Account (FSA). These accounts allow you to use pre-tax dollars for healthcare expenses, meaning you’ll maximize your savings by paying directly instead of using settlement funds.

Another reason? Credit card rewards. If your provider accepts credit cards, you may want to earn cash back or travel points by paying balances this way. While this can be a smart move, it only makes sense if you can pay off the balance immediately to avoid high-interest charges that could cost more than the rewards.

How Paying Yourself Impacts Your Settlement

When you choose to pay bills yourself, the portion of your settlement that would normally go to those providers instead goes directly to you. This can increase your final check, but it also places responsibility on you to ensure bills are paid in full and on time.

When to Be Cautious

While paying your own bills can be beneficial, it’s important to consider timing and interest rates. If you pay with a credit card and carry a balance, interest rates of 15–25% can quickly add up. Also, be sure to coordinate with your attorney so all bills are accounted for in your settlement calculation.

Can I Pay My Own Medical Bills After a Maryland Auto Accident?

If you’ve been injured in a Maryland auto accident and are considering paying your medical bills directly, consult with an experienced attorney first. The team at Bowers Law can help you weigh the pros and cons and ensure you stay in the best financial position possible. Call (410) 885-6200 for a free consultation.

The post Can I Pay My Own Medical Bills After a Maryland Auto Accident? first appeared on Bowers Law.

How will an auto accident impact my credit score? Jul 24, 2025

Does an Accident Hurt Your Credit Score?

Good news — being involved in a car accident does not automatically affect your credit score. Whether you’re at fault or not, your credit report won’t reflect the accident itself. That said, several indirect consequences of an accident can damage your credit if you’re not careful.

Total Loss Vehicles and Loan Trouble

If your vehicle is declared a total loss and you owe more on your car loan than your insurer pays out, you’ll be responsible for the difference. Without gap insurance, that remaining balance is your responsibility. Failing to pay it — or missing car payments while waiting on a claim — can lead to late fees, collections, and credit score drops.

Medical Bills in Legal Limbo

While medical debt currently doesn’t appear on credit reports due to recent rule changes, that policy is in flux. A recent Florida court decision could open the door for unpaid medical bills to once again hurt your credit. Fortunately, if you’re represented by a personal injury attorney, they can often work with providers to delay collections until your case resolves.

Pay Your Bills, Even If the Car Is Gone

If your car is in the shop or totaled, make your payments anyway. Lenders don’t track your accident status and will expect on-time payments regardless. Don’t assume the accident puts your loan on pause — it doesn’t. Staying current on your car note is critical to protecting your credit.

Be Proactive With Insurance Coverage

In rare cases, being underinsured or uninsured in an accident you cause could lead to a lawsuit, a judgment, and eventually a credit hit. The best protection? Make sure your Maryland auto policy is properly set up today. Bowers Law offers free insurance policy reviews to help ensure you’re not financially vulnerable in a future crash.

How Will an Auto Accident Impact My Credit Score?

If you’re unsure how your accident or insurance situation may affect your finances, the team at Bowers Law can help. We offer free consultations and insurance reviews for Maryland drivers. Call us at (410) 885-6200 to learn more.

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Carpool? Accident? Who Pays For What? Jul 15, 2025

Who Pays Medical Bills in a Carpool Accident?

If you’re injured as a passenger in a carpool accident, the question of who covers your medical bills isn’t always straightforward. Attorney Bowers breaks down how liability and personal injury protection (PIP) coverage interact, especially when you’re not the driver — or even in your own car.

The At-Fault Driver and Liability Coverage

If the carpool you’re riding in is rear-ended, the at-fault driver’s insurance typically pays for damages through their liability policy. This is the first layer of coverage. But things get more complicated if that driver doesn’t have enough coverage — especially when multiple passengers are injured.

What If You’re Just a Passenger?

Maryland law requires that PIP coverage from the host vehicle cover all eligible passengers — even if they’re not related to the driver. This means you may receive up to $2,500 for medical bills and lost wages. However, if you’ve waived PIP coverage on your own auto policy, you may be disqualified from receiving this benefit.

Why Your Own Insurance Still Matters

Even if your car isn’t involved in the crash, your personal policy might still come into play. If your host’s PIP coverage runs out, you may be eligible for additional “excess” PIP benefits from your own insurance — but only if you didn’t waive them. This is one more reason Attorney Bowers advises clients not to waive PIP coverage.

Know Your Rights Before an Accident Happens

Carpool accidents can bring multiple policies and claims into play. What might seem like a simple fender bender could quickly become a headache without the right coverage. The best way to protect yourself is to review your policy now and make sure you’re fully covered — especially for PIP.

Carpool? Accident? Who Pays For What?

If you’ve been injured in a carpool or need help navigating complex insurance coverage, Bowers Law is here to help. We offer free consultations and insurance policy reviews to ensure you’re not left footing the bill. Call (410) 885-6200 or visit bowerslawmd.com to get started today.

The post Carpool? Accident? Who Pays For What? first appeared on Bowers Law.

Can you Trust AI with Legal Questions? Jul 08, 2025

The Rise of AI in Everyday Decisions

Artificial Intelligence is everywhere — from image generators to customer service bots — and now even legal advice. But just because AI is accessible doesn’t mean it’s always accurate, especially in areas as nuanced as law. Attorney Joe Bowers explores how AI may look helpful at first glance but often leaves out crucial legal details.

Where AI Gets It Wrong

AI-generated answers might seem confident, but they often contain qualifiers like “most” or “usually” — red flags that not every case fits the rule. For example, Maryland’s personal injury statute of limitations is generally three years, but AI overlooks exceptions like notice requirements for government claims, which can be as short as 180 days.

Legal Nuance Requires Human Insight

There are complex legal situations — such as accidents involving government vehicles or cross-border issues near state lines — where AI simply fails. These cases require specialized knowledge and exact timing. Miss one small detail, like a filing deadline or notification rule, and your entire case could be lost.

Even AI Referrals Can Mislead

Searching for an attorney using AI tools may suggest lawyers who aren’t qualified or even located in your area. Bowers recounts seeing AI recommend attorneys who don’t handle personal injury cases or aren’t even active in Elkton. Choosing the wrong lawyer could lead to lower settlements or even lost claims.

AI Can’t Replace Experienced Counsel

While AI can assist with general overviews, it lacks the legal judgment, case-specific strategy, and personal relationships that define effective legal representation. Bowers Law prides itself on navigating the complexities that AI tools oversimplify — ensuring clients get the best results, not just the fastest answer.

Can You Trust AI with Legal Questions?

If you’re injured in an auto accident, don’t gamble your case on AI-generated advice. Let Bowers Law guide you with experience, insight, and local knowledge that technology can’t match. Contact our Elkton office today to get real answers tailored to your situation.

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How and Why To Communicate with Your Injury Lawyer Jul 01, 2025

Why Communication Is Crucial in Your Injury Case

Injury cases are complex and often unpredictable, with timelines ranging from a few months to several years. Attorney Jobeth Bowers emphasizes that communication is one of the most important parts of managing a successful legal claim. From the moment you hire a lawyer, clear and timely updates — in both directions — help build a stronger case and reduce delays.

The Early Days: A Flurry of Setup and Support

Expect heavy communication at the start of your case. The attorney’s office will gather key details, notify insurance companies, and begin managing your claim. During this time, they’ll take a lot off your plate — like billing and insurer calls — so you can focus on your recovery. This initial phase is where the groundwork is laid for the resolution later down the line.

The Quiet Middle: Why It Doesn’t Mean You’re Forgotten

Once your treatment begins, contact may slow down — and that’s normal. Your attorney is still working behind the scenes. However, it’s critical to update them on new medical appointments, referrals, or any unusual bills. Without these updates, the legal team may face delays when compiling final documents, which could prolong your settlement.

Stay in the Loop: What Your Attorney Needs to Know

If your phone number, email, or address changes — let your lawyer know. Missed updates can stall negotiations or lead to missing critical steps. Similarly, if you receive collections notices, new bills, or unexpected medical charges, your attorney can often prevent credit damage or fix billing errors — but only if they’re informed.

What to Expect Toward the End of Your Case

After your treatment ends, your attorney will send your medical records and bills to the insurance company. A settlement offer typically follows within four to six weeks, barring any unusual circumstances. That next phone call might involve discussing compensation — which is why staying reachable is so important. A simple update today can mean a faster, smoother resolution tomorrow.

How and Why to Communicate with Your Injury Lawyer

Timely, two-way communication ensures your case moves forward efficiently. It helps your legal team avoid delays, gather complete documentation, and secure the compensation you deserve. If you have questions or updates, don’t hesitate to reach out to Bowers Law. Our team is here to support you at every stage of your recovery.

The post How and Why To Communicate with Your Injury Lawyer first appeared on Bowers Law.

Traffic Charges and Their Impact On Your Accident Case Jun 10, 2025

Two Court Tracks, One Accident

When you’re injured in an accident and the other driver is charged with a traffic offense, you might receive a court summons. It’s common to assume that criminal or traffic proceedings automatically affect your personal injury claim — but in Maryland, those two legal tracks operate independently. The traffic case addresses whether the driver broke the law, while the injury case is about compensation. Even though both may arise from the same event, their outcomes don’t always align.

Guilt or No Guilt Doesn’t Break Your Case

One of the most common concerns clients express is whether a lack of conviction in traffic court weakens their injury claim. In reality, the outcome of a traffic case rarely determines the success of a civil injury case. For instance, if the other driver receives probation before judgment (PBJ) or has charges dropped, it doesn’t mean your injury case is compromised. Likewise, if the driver isn’t charged at all, your right to pursue compensation remains intact.

When Criminal Charges Might Support Your Claim

While traffic charges and civil claims are distinct, certain guilty pleas can help. A conviction for “failure to maintain speed to avoid a collision” may weigh in your favor when establishing liability. However, irrelevant infractions — like expired tags or missing registration — offer no support, even if the driver pleads guilty. What matters is whether the charge is directly tied to the cause of the crash.

Supporting the State’s Case Doesn’t Hurt Yours

Sometimes prosecutors request documents from you — like medical bills — to support their case against the at-fault driver. These materials can be used to push for penalties or restitution. If you’re a client of Bowers Law, we can coordinate with the State’s Attorney and supply that documentation on your behalf. While restitution may help recover some out-of-pocket costs, it doesn’t replace or reduce your civil settlement. The two are handled separately.

Traffic Charges and Their Impact On Your Accident Case

If you’ve been injured and the other driver is facing charges, don’t panic — and don’t make assumptions. Whether charges are filed, dropped, or pled out, your civil case stands on its own. Let Bowers Law guide you through both systems, answer your questions, and keep your injury claim on track. Contact us today so we can walk you through your next steps with clarity and confidence.

The post Traffic Charges and Their Impact On Your Accident Case first appeared on Bowers Law.

Why Do I Have to Pay Back My Health Insurance Company In an Accident Case? Jun 03, 2025

Health Insurance Helped You — So Why Pay Them Back?

After an accident caused by someone else’s negligence, your health insurance often steps in to cover medical bills. But when your case settles, you may be required to reimburse that insurance provider — even though you weren’t at fault. This surprises many people, but it’s a standard part of how accident claims work.

Different Rules for Private Insurance vs. Medicaid & Medicare

Private health insurance typically includes contract terms that allow for reimbursement when a third-party settlement is involved. For government-backed plans like Medicaid and Medicare, federal and state laws make repayment mandatory. In some cases, failure to do so can result in lawsuits against the injured party.

It’s Not the Full Bill — It’s the Discounted Rate

One key factor most clients don’t realize: you’re only paying back what the insurer actually paid, not the original bill amount. For example, an MRI that was billed at $3,000 might have only cost the insurance company $400 due to pre-negotiated rates. That difference stays in your pocket — and can significantly increase your net settlement.

Negotiating These Paybacks Is Part of the Process

At Bowers Law, we negotiate with insurers to reduce these reimbursements even further. Whether it’s a statutory formula from Medicare or a negotiated reduction with a private carrier, our goal is to minimize what goes back to insurers and maximize what stays with you. This can lead to meaningful savings and reduce stress during recovery.

Why You Might Have to Repay Your Health Insurance After an Accident

It may feel unfair to repay your own insurer, but this process is structured to protect your financial outcome. Using your health insurance ensures timely payments, avoids collections, and helps preserve your credit — even if you’re found partially at fault. If you’ve been in an accident and want to protect your rights and recovery, contact Bowers Law today to make sure no detail is overlooked.

The post Why Do I Have to Pay Back My Health Insurance Company In an Accident Case? first appeared on Bowers Law.

Auto Insurance Policy Secret #1 May 20, 2025

Maximize Your PIP Coverage

Bowers Law reveals the #1 tip for maximizing the value of your Maryland auto insurance policy—boost your personal injury protection (PIP) coverage. This little-known strategy can significantly increase your accident recovery without raising your insurance rates. Why? Because Maryland law explicitly prohibits insurers from penalizing you for filing a PIP claim.

What Is Personal Injury Protection (PIP)?

PIP is a no-fault coverage that reimburses you for medical expenses, prescription costs, and up to 85% of lost wages—regardless of who caused the crash. Many drivers only carry the minimum $2,500 in coverage, but upgrading to $10,000 can make a huge difference. The cost? Sometimes as little as $5–10 per year.

How It Impacts Your Settlement

With Bowers Law managing your claim, PIP becomes a powerful financial tool. By controlling how medical bills are paid and leveraging PIP strategically, the firm has helped clients walk away with more money in their pocket than the total settlement amount—after all bills and fees. These outcomes are rare, but they’re possible when clients follow this key insurance tip.

No Attorney Fee for PIP Claims

Another important point: Bowers Law doesn’t take a fee from your PIP payout unless litigation is necessary (which is rare). The goal is simple—maximize the client’s financial recovery, not the law firm’s share. This tip is all about putting more money in your pocket if you’re ever injured in an accident.

Contact Bowers Law

Want help reviewing your insurance policy or making the most of your PIP coverage after an accident? Contact Bowers Law today at (410) 885-6200 for a free consultation. We’ll help you get the protection—and the payout—you deserve.

The post Auto Insurance Policy Secret #1 first appeared on Bowers Law.

Negotiation: What do we ask for? May 13, 2025

It’s Not Just About Medical Bills

When accident cases reach the negotiation phase, one of the most common questions clients ask is, “What are we asking for?” While it may seem straightforward, the answer isn’t. Bowers Law explains that the value of an injury case goes beyond a list of medical bills—it includes missed work, long-term effects, permanent injuries, and how the accident impacts your everyday life.

Why We Don’t Lead With a Number

In most cases, Bowers Law doesn’t start by naming a specific settlement amount—unless they’re demanding the full limit of the at-fault driver’s insurance policy. Naming a number too early often works against the client, especially when the insurance company might be willing to offer more. By letting the insurer go first, Bowers Law gains valuable insight into what they’re prepared to pay—and leaves room to negotiate higher when appropriate.

Strategy, Experience, and Timing

Every negotiation is shaped by experience and familiarity with both insurers and adjusters. Bowers Law has handled hundreds of accident cases and knows when to push forward or hold back. In some rare cases, the firm has received initial offers that exceeded expectations—offers that might have been lost if they’d asked for too little. That’s why the negotiation process is as much an art as it is a science.

Beyond the Insurance Company

Negotiation doesn’t stop at the at-fault insurer. Bowers Law also negotiates with health insurers and lien holders to reduce what clients owe. In one case, they were able to wipe out tens of thousands of dollars in reimbursement claims—simply by staying flexible and strategic in how they approached the numbers.

Contact Bowers Law

If you’ve been injured in an accident, don’t settle for less because of a rushed or uninformed negotiation. Call Bowers Law today at (410) 885-6200 or email for a free consultation. With skilled legal negotiation, you can secure the full value of your claim—without leaving money on the table.

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Should You Settle Your Accident Case With The Insurance Company May 06, 2025

Why Early Settlement Offers Hurt You

Insurance companies often rush you a quick check days after your accident because every dollar they save boosts their profits. Signing that release immediately may seem convenient, but it bars you from recovering for future medical bills, lost wages, and pain and suffering.

Know Your Reversal Rights

Under Maryland law, if you’ve already signed a release, you typically have just 60 days from signing (and often only 30 days after receipt) to rescind it. Acting swiftly and consulting an attorney can undo that premature agreement and preserve your ability to claim full compensation.

Don’t Go It Alone: Choose Peace of Mind

At Bowers Law, we handle negotiations, medical-bill payments, and, if necessary, litigation to secure the full recovery you deserve. We make sure you never have to scramble to reverse an insurer’s hasty offer or worry about unpaid bills down the road.

Contact Bowers Law Today

Don’t risk your claim’s value—reach out to Bowers Law at (410) 885-6200 for a free consultation and protect your rights.

The post Should You Settle Your Accident Case With The Insurance Company first appeared on Bowers Law.

Risk vs. Risk: Why Do Accident Cases Settle? Apr 22, 2025

The Power of Settlement Agreements

Auto accident cases settle because both sides prefer certainty over uncertainty. Insurers crunch the numbers on potential jury awards—and the risk of an unexpectedly large verdict—to decide whether a sure payment today is better than maybe paying more later. For claimants, accepting a fair offer removes the gamble of jury unpredictability and ensures prompt compensation without the delays of a full trial.

Weighing Risk: Insurers vs. Claimants

Every settlement is a risk‑for‑risk trade. Insurers assess the likelihood of paying their policy limits—or even more, if exposure exists beyond those limits—and offer a sum that caps their liability. Claimants weigh that guaranteed amount against the chance of a higher verdict, balanced by the time, expense, and stress of going to trial. When the offer aligns with each party’s comfort with risk, a settlement follows.

Contact Bowers Law

If you’ve been injured in an auto accident and want to explore a settlement that minimizes your risk and maximizes your recovery, reach out today. Call Bowers Law at (410) 885‑6200 for a free consultation. Let our focused expertise guide you to the certainty you deserve.

The post Risk vs. Risk: Why Do Accident Cases Settle? first appeared on Bowers Law.

Why does Bowers Law only handle auto accidents? Apr 08, 2025

Expert Specialization

At Bowers Law, we focus exclusively on auto accidents because our concentrated practice means we’ve honed our skills and strategies to deliver exceptional results. Specialization allows us to understand every nuance of auto accident law, ensuring that we serve our clients with unparalleled expertise.

Deep Industry Knowledge

Our sole focus on auto accident cases has enabled us to develop a deep understanding of Maryland’s legal landscape, insurance tactics, and settlement strategies. This dedication means that every member of our team is well-versed in the intricacies of injury claims, yielding faster and more effective outcomes for our clients.

Efficiency and Excellence

By handling only auto accidents, we avoid spreading our resources too thin. This narrow focus enables us to streamline processes, manage cases efficiently, and maintain a high standard of excellence. The result is personalized representation that maximizes your recovery in the event of an accident.

Contact Bowers Law

If you’ve been injured in an auto accident and need expert, focused legal support, contact Bowers Law today at (410) 885-6200 for a free consultation. Let us put our auto accident expertise to work for you.

The post Why does Bowers Law only handle auto accidents? first appeared on Bowers Law.

Why Should I pay for that? I'm not at fault! Apr 01, 2025

Understanding the Payment Process

When the other driver is at fault, many wonder why their own insurance company or health insurance ends up paying for medical bills and damages. In Maryland, although the at-fault party’s insurer is responsible for settling the claim, your insurance still covers immediate medical expenses and other costs as part of your coverage. This system ensures you’re protected right away, even before the at-fault driver’s funds are recovered.

How Insurance Works in Your Favor

Your insurance policy, including personal injury protection, is designed to pay your medical bills and related expenses promptly—so you don’t face financial hardship while waiting for the full claim to settle. Importantly, the amounts paid by your insurance are not deducted from your eventual settlement, meaning you receive the full compensation for your losses as determined by Maryland law.

Know Your Rights and Responsibilities

Even though it seems counterintuitive to have your insurance cover costs when someone else is at fault, this arrangement is a crucial safety net. It prevents delays in care and financial strain. By understanding that your insurer’s payments are a preemptive measure—and not a loss on your claim—you can confidently manage your recovery process without worry.

Contact Bowers Law

If you have questions about your case or need clarification on why your insurance pays out in these situations, contact Bowers Law for expert advice. Call us at (410) 885-6200 for a free consultation and comprehensive legal guidance.

The post Why Should I pay for that? I’m not at fault! first appeared on Bowers Law.

Are all your vehicles fully insured? Mar 25, 2025

Check Your Extra Vehicles

Your primary car might be covered with a comprehensive policy, but what about those fun or recreational vehicles—classic cars, motorcycles, RVs? Often, these secondary vehicles come with lower coverage levels that may leave you vulnerable in an accident.

Match Your Coverage Levels

It’s essential to compare the coverage on your extra vehicles with that of your daily driver. Insurance companies sometimes offer lower rates on non-primary vehicles by reducing the level of protection. Reviewing your policies can ensure that you’re not underinsured when it matters most.

Review Your Declarations

Before hitting the road on a weekend adventure, take a moment to check your declarations page. Make sure that the coverage limits on all your vehicles align with your needs. This simple step can save you from costly surprises during a claim.

Contact Bowers Law

If you’re unsure whether your extra vehicles are fully insured, get in touch with Bowers Law today at (410) 885-6200 for a free insurance policy review. Let our experienced team help you secure the protection you deserve.

The post Are all your vehicles fully insured? first appeared on Bowers Law.

Case Value Impact from Drinking, Drugs, or Distraction? Mar 18, 2025

Case Value Basics

In this episode, Bowers Law tackles one of the most common questions: does evidence of drinking, drug use, or distracted driving by the other party boost your case value? In Maryland, regardless of the other driver’s impaired condition, your settlement is determined solely by the extent of your injuries and damages.

The Maryland Rule

Maryland’s strict liability standard means that if the other driver is found 100% at fault—even if impaired—their condition does not translate into extra compensation. Instead, the focus remains on the actual harm you suffered. Bowers Law explains that even factors like intoxication or distraction typically have little to no impact on the monetary value of your injury claim here in Maryland.

Contact Bowers Law

If you have questions about your case or need expert advice on injury claims, contact Bowers Law today at (410) 885-6200 for a free consultation. Let our experienced team help you secure the compensation you deserve.

The post Case Value Impact from Drinking, Drugs, or Distraction? first appeared on Bowers Law.

Time Changes: Do we become more accident prone? Mar 11, 2025

The Impact of Losing an Hour

Every year, when we spring forward, we lose that crucial hour of sleep. Although it may seem insignificant, this loss can throw off our internal clocks and affect our alertness on the road. Studies suggest that the week following a time change can see a 6–10% increase in accidents due to the sudden shift in sleep patterns.

Accidents and Fatigue: What the Numbers Say

Research indicates that fatigue-related factors, such as drowsiness, contribute to a significant portion of auto accidents—even fatal ones. For example, some studies report that up to 18% of fatal crashes are linked to drivers being drowsy. This data highlights why extra caution is essential during the days after the clock change.

Tips to Stay Safe During Time Changes

To counteract the effects of lost sleep, prioritize getting extra rest and consider adjusting your schedule. Allow additional travel time, maintain a safe following distance, and be extra vigilant—your reaction time may be compromised when you’re not fully rested.

Contact Bowers Law

If you’ve been involved in an accident following a time change or need advice on how to protect your rights on the road, contact Bowers Law today at (410) 885-6200 for a free consultation.

The post Time Changes: Do we become more accident prone? first appeared on Bowers Law.

What Do I Do With My Settlement Check? Mar 04, 2025

Handling Your Settlement Funds

When you receive a large settlement check, the first step is to safeguard it properly. Rather than trying to cash it immediately at a check-cashing place—which can incur hefty fees—deposit the check into a secure bank account. This prevents any risk of loss or unauthorized cash withdrawals.

Planning for Cash Withdrawals

If you prefer accessing cash, contact your bank ahead of time. Large sums aren’t typically available on hand, so informing your bank in advance allows them to arrange the necessary funds. This step ensures you avoid delays or surprises when you need to withdraw money from your settlement.

Consider Structured Settlement Options

While your settlement check is tax-free, maximizing its potential might involve exploring structured settlement options. These arrangements can help grow your funds tax-efficiently over time. For detailed advice on this, check out our previous episode on structured settlements, or speak with a trusted financial advisor.

Contact Bowers Law

If you have questions about managing your settlement check or need help with your case, contact Bowers Law today at (410) 885-6200 for a free consultation and expert guidance.

The post What Do I Do With My Settlement Check? first appeared on Bowers Law.

How Can I Speed Up My Accident Settlement? Feb 25, 2025

Insurance Timeline Challenges

When it comes to accident settlements, there’s no one-size-fits-all timeline. Bowers Law explains that the process begins with your medical treatment—only when your injuries are stabilized can your claim move forward. Insurance companies often wait until all related medical bills and records are in before making an offer.

Factors Influencing Settlement Speed

Every accident is unique. The duration of your settlement depends on several factors such as the extent of your injuries, the complexity of your medical care, and the responsiveness of your insurance company. Delays may occur if additional documentation or negotiations are needed, but with proactive communication, the process can often be expedited.

Optimize Your Settlement Process

To potentially speed up your settlement, Bowers Law advises clients to contact us as early as possible. Providing comprehensive information and timely updates allows our team to negotiate more effectively with your insurer, ensuring you receive the full compensation you deserve—without unnecessary delays.

Contact Bowers Law

If you’re looking to accelerate your accident settlement, get expert assistance from Bowers Law. Contact our office today at (410) 885-6200 for a free insurance policy review and personalized guidance.

The post How Can I Speed Up My Accident Settlement? first appeared on Bowers Law.

Wind Damage: Who Pays for What? Feb 17, 2025

Dealing with Wind-Related Damage

Strong winds can wreak havoc—uprooting trees, damaging roofs, and even affecting vehicles. In this episode, Bowers Law explains the steps you should take when wind damage occurs, whether the damage originates on your property or spills over from a neighbor’s yard.

Understanding Your Insurance Claims

When wind damage strikes, your homeowners insurance is your first line of defense. Even if the incident is caused by a neighbor’s tree, you typically must file a claim under your own policy. Bowers Law advises obtaining a professional estimate to determine if the damage exceeds your deductible before filing a claim.

Avoiding Unnecessary Claims

Knowing your deductible is crucial. If repair costs are below your deductible, it might be best to handle the repairs on your own to avoid unnecessary claims and potential premium increases. This proactive approach can save you money and hassle in the long run.

Contact Bowers Law

For expert guidance on wind damage claims and to maximize your insurance benefits, contact Bowers Law today at (410) 885-6200 for a free consultation and advice on navigating your claim process.

The post Wind Damage: Who Pays for What? first appeared on Bowers Law.

New Benefits, New Costs - FAMLI Info and Preview with Glenn Arrington Feb 10, 2025

Understanding the New FAMLI Requirements

Maryland employers and employees, get ready for significant changes coming this summer. As part of the Time to Care Act of 2022, new Family and Medical Leave insurance requirements will soon take effect. This program is designed to offer partial wage replacement for workers taking leave to care for a new baby, a loved one, or to manage serious health conditions or disabilities.

How It Works for Employers and Employees

Under the new law, employers with at least one W2 employee must begin withholding 0.45% of each employee’s income starting July 1. For larger businesses with 15 or more employees, the employer is required to match this contribution. These funds will be deposited into the State Insurance Fund for one year, after which eligible employees can receive up to 12 weeks of benefits—up to $1,000 per week.

Expert Insight from Glenn Arrington

Special guest Glenn Arrington, an insurance broker with Group Benefit Strategies, joins Bowers Law to break down your options. Glenn discusses whether employers should self-fund this benefit or opt for private insurance solutions. He also highlights the importance of early preparation and even invites local business owners to attend an upcoming hybrid event hosted by the Cecil County Chamber of Commerce for more in-depth guidance.

Contact Bowers Law

If you’re an employer or employee navigating these new benefits—and potential costs—contact Bowers Law for a free insurance policy review and expert advice. Call us at (410) 885-6200 to ensure you’re fully prepared for these changes.

The post New Benefits, New Costs – FAMLI Info and Preview with Glenn Arrington first appeared on Bowers Law.

Protecting Wages When You Need It Most Feb 03, 2025

Insurance Hack for Extra Coverage

In this episode, Bowers Law reveals a simple insurance hack that can dramatically boost your personal injury protection (PIP). With just a slight increase in your premium—only about an extra dollar a month—you can turn a modest $36 charge into enhanced coverage worth up to $10,000 per person per accident.

Maximize Your PIP Benefits

This small adjustment isn’t just about dollars and cents; it’s about safeguarding your income when you need it most. With increased PIP, you secure vital funds to cover lost wages, medical expenses, and other costs if you’re injured in an accident—ensuring you won’t face financial hardship during recovery.

Long-Term Financial Security

Over time, that minimal monthly increase adds up to significant long-term benefits, potentially protecting tens of thousands of dollars. It’s a cost-effective strategy that insurance companies might not readily promote, yet it offers you critical protection in unforeseen circumstances.

Contact Bowers Law

Don’t leave your financial security to chance. Contact Bowers Law today at (410) 885-6200 for a free insurance policy review. Let our experienced team help you maximize your coverage and protect your wages when you need it most.

The post Protecting Wages When You Need It Most first appeared on Bowers Law.

What Happens when You cause an Accident? Jan 20, 2025

Understanding Your Liability

If you’re the at-fault driver, protecting yourself legally and financially is paramount. In this episode, Bowers Law explains that when you cause an accident—even if injuries are minimal—your insurance company immediately steps in to defend you and manage any claims from the other party.

The Insurance Process Explained

Your insurer’s primary duty is to protect you. They will assign an attorney, handle any claims brought by the other driver, and cover expenses up to your policy limits. It’s crucial to cooperate fully with your insurance company, as this commitment is part of your contractual agreement and helps safeguard your interests.

Protecting Your Own Interests

In addition to defending you against third-party claims, your personal injury protection (PIP) coverage plays a vital role if you’re injured. This coverage reimburses you for medical expenses, lost wages, and other related costs—ensuring you’re not left financially burdened by the aftermath of an accident.

Contact Bowers Law

Need expert guidance after causing an accident? Contact Bowers Law today at (410) 885-6200 for a free insurance policy review and comprehensive legal support.

The post What Happens when You cause an Accident? first appeared on Bowers Law.

Hit & Run Damage and Injury Recourse - Maryland Injury Law Podcast Jan 13, 2025

What to Do When the Damage Is a Mystery

If your vehicle suffers damage while parked or in a lot and the responsible party flees, you’re not alone. Bowers Law explains that hit-and-run incidents—whether involving another vehicle or even stray objects—require immediate action. The first step is to contact local authorities to file a police report and document the incident.

Your Legal Recourse Under Maryland Law

Without the other driver’s information, your primary recourse is to file an uninsured motorist claim with your own insurance company. This process, designed for no-fault situations, is generally handled in a standardized way, ensuring that even if you’re left with only property damage, you receive the coverage you need under Maryland law.

Minimizing the Impact

Bowers Law reassures you that a one-off hit-and-run claim typically won’t heavily impact your insurance rates. With a statutory deductible of $250 for property damage, the claim process is streamlined. For injury-related cases, Bowers Law provides expert legal support to help secure compensation without the headache of tracking down an unknown driver.

Contact Bowers Law

If you’ve been involved in a hit-and-run incident or need guidance on your uninsured motorist claim, Bowers Law is here to help. Contact our office today at (410) 885-6200 for a free consultation and expert assistance.

The post Hit & Run Damage and Injury Recourse – Maryland Injury Law Podcast first appeared on Bowers Law.

Is Your Maryland Auto Insurance Policy Enhanced? Jan 06, 2025

Policy Changes You Need to Know

As the new year unfolds, Maryland drivers may be missing out on crucial changes in auto insurance laws. Bowers Law explains that if you’ve secured a new policy after July 1, 2024, you should automatically be offered enhanced underinsured motorist coverage—a safeguard many policies previously lacked.

Enhanced Coverage Benefits

This enhanced coverage ensures that if the at-fault driver has minimal insurance, your policy will not simply credit you for that shortfall. Instead, it stacks benefits so you receive the full protection you need, helping to cover medical expenses and lost wages even when other drivers fall short of adequate coverage.

Why It Matters

In today’s competitive insurance market, having enhanced coverage means better financial protection after an accident. It’s a critical upgrade that ensures you’re not left with a “small cup” of benefits when you need a full serving to cover your losses.

Contact Bowers Law

Don’t risk being underinsured—let our experts review your auto policy and ensure you’re fully protected. Contact Bowers Law today at (410) 885-6200 for a free, no-obligation insurance policy review.

The post Is Your Maryland Auto Insurance Policy Enhanced? first appeared on Bowers Law.

Vehicle A Total Loss? Now what can you do? Dec 30, 2024

Understanding Your Options

When your vehicle is declared a total loss after an accident, it can feel overwhelming. Bowers Law explains that insurance companies typically offer two paths: a cash settlement based on your vehicle’s depreciated value or a slightly reduced payout if you decide to retain the salvage. Factors such as repair costs, outstanding loans, and gap insurance all play a role in this decision.

Evaluating the Settlement

Each total loss situation is unique. Bowers Law breaks down the process—how insurers calculate a vehicle’s actual cash value, why they may discount the offer by 10–20%, and what it means to keep the salvage. In many cases, if you own your vehicle outright, taking the cash settlement might be the smarter move, especially when repairs could cost more than the payout.

Making the Right Decision

Beyond the numbers, it’s crucial to separate the vehicle’s value from any potential injury claims. With expert guidance from Bowers Law, you can navigate these complex factors and determine the option that best ensures you’re made whole, financially and legally.

Contact Bowers Law

If your vehicle has been deemed a total loss, don’t face the insurance maze alone. Call Bowers Law at (410) 885-6200 for expert legal advice and representation. Let us help you secure the compensation you deserve.

The post Vehicle A Total Loss? Now what can you do? first appeared on Bowers Law.

Driving In A Winter Wonderland? How to Drive with Intent Dec 23, 2024

Winter Driving Safety Tips

In this festive episode, Bowers Law shares essential advice for navigating winter roadways safely. With holiday weather bringing frost, ice, and unpredictable conditions, the focus is on maintaining control and being mindful of reduced traction. The discussion reminds drivers to leave ample distance, adjust speeds, and plan for extra travel time so that unexpected conditions don’t turn into hazards.

Plan Ahead & Stay Alert

Bowers Law also emphasizes the importance of slowing down—not just on the road but in your daily routine—to reduce distractions and rushed decisions. Whether it’s scheduling departures with a buffer or upgrading your vehicle’s safety tech, these simple steps can make a big difference. The episode even highlights a local business, offering special deals on heating and air services to ensure your home stays as safe as your drive.

Contact Bowers Law

If you’re in an accident or need legal guidance during these challenging winter months, don’t hesitate to reach out. Contact Bowers Law at (410) 885-6200 for prompt, expert assistance. Stay safe and enjoy the holidays!

The post Driving In A Winter Wonderland? How to Drive with Intent first appeared on Bowers Law.

The Real and Legal Way to Fight Insurance Companies Dec 16, 2024

Insurance Tactics Exposed

In this episode of Monday Morning Lawyer, Bowers Law breaks down how you can legally hold insurance companies accountable without resorting to vigilante tactics. With public frustration at an all-time high, the discussion focuses on auto accident claims where the traditional insurance playbook—deny, delay, defend—often leaves you shortchanged.

The Legal Strategy

Bowers Law explains that while health insurance disputes may sometimes be resolved through appeals and proper documentation, auto accident claims require a different approach. When your claim is wrongfully denied, the proven strategy is to hire experienced legal counsel, file a lawsuit, and, if needed, take the case to trial. In the courtroom, the insurance company—not the individual at fault—is ultimately responsible for paying the claim.

Contact Bowers Law

Ready to take a stand against unfair insurance practices? Contact Bowers Law today at (410) 885-6200 for a consultation and let our experienced team guide you through the legal process.

The post The Real and Legal Way to Fight Insurance Companies first appeared on Bowers Law.

Holiday Travel and Your Auto Insurance Policy Nov 25, 2024

Understanding Insurance Coverage When Traveling Across States

Traveling during the holiday season often involves long road trips and crossing state lines. But what happens if you get into an accident in another state? Attorney Jobeth Bowers explains that your insurance policy follows both you and your vehicle, no matter where you are in the U.S. If you’re driving your car in another state, your insurance limits typically apply, even if the state requires higher minimum coverage. This ensures you’re protected even when away from home. However, if you’re driving someone else’s vehicle, their insurance policy will generally be primary, with your policy potentially serving as secondary coverage if needed.

Why State Insurance Laws Matter in Cross-State Accidents

One of the complexities of out-of-state accidents lies in varying state insurance requirements. For instance, if you’re a Maryland driver involved in an accident in New Jersey, your policy might need to adjust to meet New Jersey’s higher minimums for personal injury protection (PIP). Conversely, lower minimums in states like Pennsylvania could create gaps in coverage for out-of-state drivers involved in Maryland accidents. These differences highlight the importance of understanding how your policy adapts to the rules of the state you’re traveling in.

How to Prepare for Cross-State Travel

To avoid surprises, Attorney Bowers recommends reviewing your insurance policy before embarking on a road trip. Contact your insurance agent to discuss potential gaps in coverage and ensure your policy aligns with the requirements of the states you’ll be visiting. Proactive planning can save you from dealing with post-accident coverage issues. If you’re involved in an accident while traveling, especially in a multi-state situation, Bowers Law offers expert guidance to help navigate the complexities and ensure you get the best outcome possible.

Contact Bowers Law for Expert Guidance

If you’re involved in an out-of-state accident or need help understanding your insurance coverage, the team at Bowers Law is here to assist. With extensive experience navigating multi-state accident claims, we ensure you get the best possible outcome. Call us today at (410) 885-6200 or contact us online to schedule a consultation. Don’t leave your coverage to chance—reach out now for expert advice and peace of mind.

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Navigating At-Fault Accidents Nov 18, 2024

Understanding Your Insurance in At-Fault Accidents

In this episode of Monday Morning Attorney, Jobeth Bowers delves into the less discussed aspect of insurance policies: how they serve you when you are at fault in an accident. Typically, insurance discussions revolve around coverage when another party is liable, but today’s focus shifts to understanding your own policy’s role in accidents you cause, ensuring you’re well-informed about your liability coverage and its implications.

The Importance of Adequate Liability Coverage

Bowers emphasizes the critical need for sufficient liability insurance coverage, particularly if you are responsible for an accident. He explains how the liability limit of your insurance can impact both you and the injured party, highlighting scenarios where the insurance payout caps, which could leave significant financial exposure if the damages exceed these limits. This segment underscores the importance of reviewing and possibly increasing your coverage to protect your assets and financial future.

Practical Tips for Managing Insurance Post-Accident

The discussion concludes with actionable advice on managing the aftermath of an at-fault accident. Bowers guides listeners through the process of dealing with insurance claims, from the moment of the accident to potential legal outcomes if the damages exceed coverage limits. This practical guidance is aimed at preparing listeners to handle unfortunate events responsibly and informedly.

Contact Bowers Law for Legal Guidance

For comprehensive legal advice and to understand how your insurance can protect you, contact Jobeth Bowers at (410) 885-6200 or contact us online. Secure your future with expert guidance from an experienced attorney dedicated to serving the Elkton community.

The post Navigating At-Fault Accidents first appeared on Bowers Law.

Streamline Your Estate Planning with Expert Advice Nov 15, 2024

Understanding the Importance of Estate Planning

In this episode of Monday Morning Lawyer, we delve into the often avoided yet crucial topic of estate planning. Jobeth Bowers and his guest, Margo Rogers, discuss the significance of having a plan in place for the inevitable—ensuring that your affairs are orderly for those you care about. They emphasize that estate planning isn’t just for the wealthy; it’s essential for anyone looking to simplify the process for their loved ones after they’re gone.

The Essential Documents in Estate Planning

Margo highlights that a basic estate plan should include three critical documents to safeguard both your health directives and financial decisions. These include an Advanced Medical Directive and a Financial Power of Attorney. These documents are crucial for managing your affairs if you’re unable to do so yourself, helping avoid costly and stressful litigation for your family.

Practical Advice and Free Consultation Opportunities

The discussion also covers how people often overlook planning for their pets and other less-considered aspects of their lives. Jobeth announces a special event where Margo will offer free consultations on estate planning at his office. This is an opportunity for listeners to understand how to tailor an estate plan to their specific needs, ensuring they leave no stone unturned in their planning efforts.

Contact Jobeth Bowers for Estate Planning Guidance

If you’re looking to secure your future and ensure your wishes are respected, consult with Jobeth Bowers. For expert estate planning advice or to schedule your free consultation, call us at (410) 885-6200 or contact us online. Ensure peace of mind for yourself and your loved ones with professional guidance tailored to your unique needs.

The post Streamline Your Estate Planning with Expert Advice first appeared on Bowers Law.

How Structured Settlements Can Work For You Nov 04, 2024

Enhancing Your Financial Recovery through Structured Settlements

Last week on “Monday Morning Lawyer,” Jobeth Bowers, an experienced accident attorney, discussed how structured settlements can significantly increase your settlement money tax-free. Joanna Wynes joined him from Sage Settlements, who has nearly a decade of experience in structuring settlements that optimize clients’ financial outcomes. They explored various ways through which accident victims can secure their financial future without the burden of taxes on their settlement gains.

Tailored Financial Solutions for Accident Victims

Joanna Wynes provided insights into the personalization of structured settlements to meet individual needs. This financial planning tool not only offers tax benefits but also adapts to the unique circumstances of each client, ensuring long-term security and steady income streams. Whether it’s about handling immediate financial obligations or planning for future expenses, structured settlements are designed to provide peace of mind and substantial financial relief post-accident.

The Advantages of Choosing Structured Settlements

The discussion highlighted the practical benefits of choosing a structured settlement over a lump-sum payment. This method alleviates the stress of managing large amounts of money all at once and helps prevent potential financial missteps. By opting for structured settlements, clients can enjoy a consistent income that supports their lifestyle and recovery process, ensuring that their compensation lasts as long as needed.

Contact Bowers Law for Expert Settlement Guidance

If you’re navigating the complexities of an injury claim and considering your payout options, Bowers Law can guide you through the benefits of structured settlements. To discuss your case and explore financial strategies that protect your settlement from taxes, contact us at (410) 885-6200 or through our website. Your financial stability is our priority.

The post How Structured Settlements Can Work For You first appeared on Bowers Law.

Taxes on Your Maryland Injury Claim Proceeds Oct 28, 2024

Understanding the Tax Implications of Injury Settlements

Understanding the tax implications of your injury settlement is crucial, especially with the complexity surrounding tax laws. In this episode, we explore how personal injury settlements are treated under Maryland tax laws. Typically, compensation received from personal injury claims, particularly those related to auto accidents, is not taxable. This means that the settlement amount you receive, after paying attorney fees and medical expenses, is yours entirely, without any deductions for state or federal taxes.

The Settlement Process Explained

When you arrive at our office to finalize your injury claim, the process is straightforward and involves minimal paperwork compared to other legal procedures, like purchasing a property. We ensure all financial distributions—from attorney fees to medical bill payments—are transparent. Importantly, the amount you receive has no tax withholdings, making it significantly simpler than typical earnings where taxes are automatically deducted.

No Tax Forms for Injury Settlements

One common misconception among clients is the expectation of receiving tax forms for their injury settlements similar to W2s or 1099s. However, you will not receive any tax documents for the settlement from either the law firm or the insurance companies involved. This absence of tax paperwork simplifies your financial responsibilities and ensures that the entire settlement process is less burdensome for you financially.

Connect With Us

If you have questions about your injury case or need expert legal advice, don’t hesitate to contact us. Reach out to Bowers Law at (410) 885-6200 or by contacting us online. We’re here to ensure you receive the guidance and support needed to navigate your legal matters effectively.

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Navigating Maryland's Expungement Laws Oct 21, 2024

Understanding Maryland’s Evolving Expungement Laws

Welcome back to the Monday Morning Lawyer! Today, we’re diving into the dynamic landscape of criminal expungements in Maryland, a topic that sees frequent updates. With changes effective from October 1 this year, it’s crucial to stay informed about the evolving legal framework that now facilitates automatic expungements under certain conditions after three years. Elisabeth Herndon, a seasoned attorney, is joining us today to shed light on these changes and their implications for those seeking expungement.

Exploring the Intricacies of Expungement with Herndon Law

While primarily focused on criminal defense and family law, Elisabeth Herndon brings a wealth of knowledge on expungements as an ancillary service. Today, she explains the nuances of Maryland’s judiciary case search and how recent legislative changes have streamlined the process for dismissed cases, making them automatically disappear from public records. This segment aims to clarify the process and benefits of early expungement under the new laws, enhancing privacy and reducing the long-term impact of charges.

What Does Automatic Expungement Mean for You?

Our discussion extends into the practical aspects of these legal updates. For instance, charges dismissed or found not guilty are now automatically removed from the Maryland judiciary case search, which can be pivotal for personal and professional rehabilitation. Elisabeth discusses the potential future developments in expungement laws, like the proposed ‘expungement for good cause’, which could further personalize the expungement process based on individual circumstances.

Expungement Process: A Closer Look

Understanding the procedural side of expungements in Maryland is crucial for anyone looking to clear their record. Once an expungement petition is filed, the court reviews the eligibility based on the nature of the crime and the applicant’s criminal history. If the petition is approved, a notice is sent to all relevant agencies, who must then confirm the deletion of records. This streamlined process, designed to ensure accuracy and privacy, can take several months, emphasizing the need for precision and patience from applicants and their legal representatives.

Contact Us

If you’re navigating the complexities of expungement in Maryland or need legal advice on criminal defense or family law matters, don’t hesitate to reach out. Connect with us today at (410) 885-6200 or by contacting us through our website for a consultation and ensure your legal needs are met promptly and professionally.

The post Navigating Maryland’s Expungement Laws first appeared on Bowers Law.

Understanding the Impact of Driver Negligence on Auto Accident Claims in Maryland Oct 10, 2024

The Impact of Driver Negligence on Accident Claims

This week’s episode of Monday Morning Lawyer, hosted by Jobeth Bowers, delves into how driver negligence, such as drunk driving or texting while driving, impacts the value of accident claims in Maryland. Jobeth clarifies that while such factors are crucial for establishing fault, they do not directly increase compensation under Maryland law. The discussion emphasizes the importance of understanding state-specific laws to effectively manage expectations and strategies in personal injury cases.

Navigating Accident Claims Across State Lines

Jobeth Bowers continues to explore the complexities that arise when accidents occur across state lines, particularly between Maryland, Pennsylvania, and Delaware. He underscores the necessity of recognizing jurisdictional differences in accident law, which can significantly affect the claims process and outcome. This insight is especially valuable for Maryland residents involved in accidents outside their home state or for out-of-state victims in Maryland.

Engaging with the Community Through Live Discussions

In addition to legal advice, the podcast enriches its community engagement by hosting live interactions and giveaways. This episode features a chance to win a $25 gift card to Grocery Outlet in Elton, encouraging live participation. Jobeth invites viewers to join the conversation and share their experiences, enhancing the episode’s interactive element and fostering a deeper connection with the audience.

Connect With Bowers Law

For personalized advice and representation in your auto accident case, contact Jobeth Bowers at (410) 885-6200, or visit our website to contact us. Our team at Bowers Law is committed to providing expert guidance and ensuring you receive the compensation you deserve. Let us help you navigate the complexities of your accident claim.

The post Understanding the Impact of Driver Negligence on Auto Accident Claims in Maryland first appeared on Bowers Law.

Understanding Pain & Suffering in Auto Claims Sep 30, 2024

Understanding Pain and Suffering in Auto Accident Claims

In this insightful episode, Jobeth Bowers, a seasoned Accident and Injury Attorney, explores the concept of ‘pain and suffering’ within the realm of auto accident claims. Pain and suffering go beyond the immediate injuries, encompassing the physical discomfort and emotional distress a victim endures following an accident. Jobeth explains the legal nuances that define pain and suffering, highlighting how these are quantified in legal terms to ensure victims receive the compensation they rightfully deserve.

The Role of Lawsuits in Maximizing Compensation

While not every auto accident claim results in a courtroom battle, Jobeth discusses scenarios where filing a lawsuit could significantly enhance the compensation outcomes for victims. He provides a clear breakdown of the circumstances under which pursuing legal action is advised, drawing on his extensive experience to illustrate how lawsuits can serve as a powerful tool in negotiations, potentially leading to higher settlements for clients dealing with severe or long-term afflictions.

Engage and Win: Join Our Interactive Podcast

This episode also marks the introduction of an interactive segment where listeners can win tickets to exciting events. For this week, Jobeth announces a giveaway of a pair of tickets to the Philadelphia Flyers Home Opener on October 19th at the Wells Fargo Arena. Listeners are encouraged to engage by watching, commenting, and sharing the stream for a chance to win, adding an extra layer of excitement to the podcast experience.

Get In Touch With Us

If you have any questions or need assistance with your auto accident claim, don’t hesitate to contact us. Reach out to Jobeth Bowers at (410) 885-6200 or by contacting us through our website. We are here to help you navigate the complexities of your case and ensure you receive the compensation you deserve. Your recovery is our priority.

The post Understanding Pain & Suffering in Auto Claims first appeared on Bowers Law.

Recovering Lost Wages After an Auto Accident Sep 23, 2024

Navigating Wage Loss Claims After Auto Accidents

Dealing with wage loss following an auto accident can be as stressful as the injury itself, especially when significant time away from work is required. Elkton’s trusted accident and injury attorney, Jobeth Bowers, is here to help you understand the crucial steps to claim your lost wages effectively. This post will walk you through the necessary documentation and procedures to ensure you are fully compensated. Understanding these steps is vital for securing the financial support you need during your recovery. Let’s explore what you need to know to successfully manage your wage loss claim.

Ensuring Proper Documentation for Wage Claims

Securing compensation for lost wages is more straightforward with the correct documentation. A critical step is obtaining a doctor’s note explicitly advising you against working due to your injuries. This documentation forms the backbone of your claim. We also discuss how to handle wage verification through your employer and the importance of directly overseeing this process to avoid delays. Remember, proper documentation is critical to a successful wage loss claim.

Navigating Complex Wage Loss Scenarios

Navigating wage loss claims can be particularly complex for self-employed individuals or those with non-traditional employment structures. Unlike traditional employees who receive regular paychecks and W2 forms that quickly document earnings, self-employed professionals must rely on different types of evidence to substantiate their lost income. Detailed financial records, such as tax returns, profit and loss statements, and invoices, often become crucial in these cases. Additionally, expert legal guidance can help effectively present this evidence to ensure that compensation for lost wages is accurately assessed and awarded. This discussion draws on real-world examples to illustrate how these challenges can be addressed, providing a pathway for those affected to manage their claims effectively.

Need Help with Your Accident Claim?

If you’ve suffered an injury in an auto accident and are struggling with lost wages, contact us at Bowers Law. You can contact us directly at (410) 885-6200 or visit our contact page for more assistance. We’re dedicated to ensuring you receive full compensation for all your losses, helping you navigate this challenging time easily and confidently.

The post Recovering Lost Wages After an Auto Accident first appeared on Bowers Law.

Common Injuries From Auto Accidents Sep 17, 2024

Understanding Common Auto Accident Injuries

Welcome to another episode of our podcast with your Elkton accident and injury attorney, Jobeth Bowers from Bowers Law. Today, we dive into the types of injuries commonly occurring during auto accidents. Despite the severity of minor sprains or significant injuries requiring surgery, our team is equipped to handle all cases. Remember, no case is too small, and seeking legal advice is essential, regardless of the injury’s extent. We’re here to ensure you receive the necessary support and compensation, all delivered with our deep understanding of the Cecil County community.

How to Help Us Help You

When you engage Bowers Law for your auto accident case, your cooperation significantly impacts the efficiency and outcome of your claim. Providing timely information and complete documentation from the start—like your health insurance details and any medical reports—can streamline the process. This proactive approach helps us advocate for you effectively and ensures that you’re positioned optimally for the compensation you deserve. Our goal is to manage the complexities so that you can focus on recovery.

Maximizing Your Compensation

At Bowers Law, we handle every case—big or small—with the utmost care and professionalism. From sprains and soft tissue injuries to severe cases requiring extensive medical intervention, we are adept at navigating the intricacies of each scenario to secure the best possible outcome for our clients. We understand the local judicial landscape and insurance nuances, which allows us to advocate effectively on your behalf. Trust us to manage the legal hurdles while you prioritize your health and recovery.

Contact Bowers Law Today

If you’ve been involved in an auto accident in Cecil County and need expert legal assistance, don’t hesitate to contact us. Call us at (410) 885-6200 or contact us online to schedule your consultation. At Bowers Law, we’re not just your attorneys but your advocates, dedicated to securing the best outcome for your case.

The post Common Injuries From Auto Accidents first appeared on Bowers Law.

How Bowers Law Helps You Achieve Optimal Compensation For Your Accident Claim Sep 09, 2024

Deep Local Expertise Enhances Your Claim

At Bowers Law, your Elton accident and injury attorney, Jobeth Bowers, boasts a rich understanding of Cecil County’s legal landscape, directly benefiting your auto accident claim. Rooted firmly within the community and well-acquainted with local roadways and legal nuances, our team ensures detailed, dedicated advocacy tailored to the specifics of your case. This insider advantage underscores our commitment to represent you and be a part of the community fabric, driving towards the best possible outcomes.

Collaborative Case Building: Help Us Help You

Effective legal representation goes beyond just hiring an attorney; it requires active client participation. When you engage with Bowers Law, the exchange of detailed, accurate information is crucial. From the initial consultation through every phase of your case, the quality and completeness of the information you provide—such as medical records and insurance details—play a vital role in the success of your claim. We empower you to assist in the process, making your case more robust against opposing challenges.

Streamlined Processes for Swift Settlements

Your cooperation with our team by providing comprehensive health insurance details and being forthcoming with all relevant medical information significantly speeds up the claims process. This approach facilitates a quicker resolution and enhances the compensation you receive, ensuring that all medical expenses are addressed and that you are adequately compensated for your ordeal. By collaborating closely with our team and following our guidance on documentation, you help us move towards a favorable and efficient resolution.

Ready to Start Your Claim?

Our team at Bowers Law is ready to assist you every step of the way. If you’re ready to begin your claim or have more questions, please contact us at (410) 885-6200. Let us take the burden off your shoulders and help you secure the compensation you deserve. Remember, your best chance at a successful claim starts with your involvement and our expertise—let’s get started today.

The post How Bowers Law Helps You Achieve Optimal Compensation For Your Accident Claim first appeared on Bowers Law.

Maryland Accident Claim Support: Ensuring Your Peace of Mind Aug 26, 2024

What to Expect from Bowers Law

Welcome to this week’s edition of Monday Morning Lawyer, where Attorney Jobeth Bowers, from our Elkton office, breaks down what to expect when you entrust your Maryland accident case to Bowers Law. If you’re overwhelmed by the chaos post-accident—from handling multiple insurance companies to juggling medical appointments—learn how partnering with us provides legal solutions and peace of mind.

Navigating Your Case with Ease

Dealing with an accident involves myriad responsibilities that can quickly become overwhelming. At Bowers Law, we simplify this process. When you call our office, you initiate a comprehensive support system tailored to manage every aspect of your case—from insurance communications to medical bill handling. This ensures that you can focus on recovery while we take care of the legwork.

What Bowers Law Does for You

Understanding the scope of our services is crucial. While we handle almost all aspects of your accident case, there are a few areas, like attending medical treatments, where your direct involvement is necessary. Here at Bowers Law, we explain the boundaries of the services we offer and reassure you that our experienced team manages every other complex task, especially dealing with insurance claims and legal strategies.

Seamless Support Throughout Your Case

At Bowers Law, we pride ourselves on providing seamless support throughout your legal journey. From the initial consultation to resolving your case, our team is dedicated to ensuring that every aspect of your experience is handled with care and precision. Trust us to navigate the complexities of the legal system while you focus on your recovery and well-being.

Need Legal Assistance? Contact Bowers Law

If you’re dealing with the aftermath of an accident or have any legal questions, contact Bowers Law at (410) 885-6200 or reach out online. We’re here to offer expert legal guidance and ensure you receive the best possible outcome for your case. Trust us to handle the complexities so you can focus on what matters most—your recovery.

The post Maryland Accident Claim Support: Ensuring Your Peace of Mind first appeared on Bowers Law.

What is My Maryland Accident Case Worth? Aug 19, 2024

Understanding the Value of Your Accident Case

Welcome to this week’s edition of Monday Morning Lawyer where attorney Jobeth Bowers dives deep into the most common question from clients: “What is my case worth?” This question, as simple as it sounds, is layered with complexities. Today, Jobeth will elucidate the myriad factors that influence the valuation of an accident case, emphasizing that immediate estimates are often misleading without a detailed examination of the circumstances.

The Factors Influencing Case Worth

Every accident case is unique, influenced by the severity of injuries, the circumstances of the accident, and the subsequent medical findings such as MRI results. Jobeth discusses how initial appearances can be deceptive, with some injuries worsening over time or revealing more significant underlying issues than x-rays can show. This segment underscores the importance of thorough medical evaluations and how they impact the overall assessment of a case’s value.

Setting Realistic Expectations

Setting realistic expectations is crucial in managing clients’ anticipation regarding the outcomes of their cases. Jobeth advises skepticism towards attorneys who promise specific payouts early on without adequate case review. He explains that a comprehensive understanding of the extent of injuries, combined with an expert legal analysis of the insurance coverage and judicial tendencies of the jurisdiction, is essential to accurately valuing a personal injury claim.

How Your Insurance Impacts Your Settlement

Insurance’s role in the settlement process is crucial for anyone involved in an accident claim. On a previous podcast, attorney Jobeth Bowers delves into the complexities of how your specific insurance policy features can significantly influence the outcome of your case. Listen to our detailed podcast episode for an in-depth discussion on this topic. Gain insights into navigating insurance claims effectively and learn strategies to maximize your settlement potential.

Connect With Bowers Law for Expert Guidance

If you’re navigating the aftermath of an accident and need expert legal advice, don’t hesitate to contact Bowers Law. Call us at 410-885-6200 or reach out online. We’re here to provide you with the support and clarity you need to move forward confidently with your claim.

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Protecting Elders from Scams: A Legal Perspective Aug 12, 2024

Introduction to Elder Scams

This week on “Monday Morning Lawyer,” we’re revisiting a critical topic—elder scams—with a new focus on how to protect our aging loved ones. Attorney Jobeth Bowers, from Elkton, MD, discusses the alarming frequency with which scammers target the elderly, especially during periods when they are most vulnerable. As scams become increasingly sophisticated, understanding and recognizing these threats is crucial for prevention.

Expert Discussion on Elder Scams

Joining us in this episode is Margot Roberts, a seasoned elder law attorney who specializes in estate planning. Margot shares her insights into the most prevalent scams targeting the elderly, including frightening impersonations of IRS and Social Security officials. These scams not only threaten the financial stability of our seniors but also their peace of mind. Margot emphasizes the importance of early estate planning and maintaining open lines of communication with trusted family members to safeguard against these threats.

Practical Advice for Protecting Your Loved Ones

The conversation also covers practical steps to help listeners and their families prevent elder scams. Margot advises elders to verify suspicious calls with trusted individuals and discusses the benefits of legal documents like powers of attorney and advanced medical directives. These tools ensure that trusted agents can legally make decisions when a senior may no longer be capable of doing so themselves, providing an additional layer of protection against fraud.

Concerned About Elder Scams? Contact Us!

If you’re worried about the safety of your elderly relatives or have any questions about elder scams, don’t hesitate to contact Bowers Law at (410) 885-6200 or reach out online. We’re here to provide the legal support and guidance you need to protect the most vulnerable members of your community. Your family’s safety and security are our top priority.

The post Protecting Elders from Scams: A Legal Perspective first appeared on Bowers Law.

Bicycles on the Roadway Aug 05, 2024

Bicycling in Maryland: The Seasonal Surge in Cycling

Summer brings a significant increase in bicycling across Maryland and, with it, a rise in bicycle-related accidents. In this episode of Monday Morning Lawyer, attorney Jobeth Bowers delves into the crucial topics surrounding bicycling safety on Maryland roads. As more individuals opt for bicycles over cars due to pleasant weather, the potential for accidents escalates, not just due to increased bicycle traffic but also because of less cautious car drivers. Our discussion focuses on understanding Maryland’s bicycle laws and how they equate bicycles with vehicles, granting them equal rights on most roadways.

Navigating the Legal Landscape for Bicyclists

Understanding your rights is critical, especially when navigating busy roads. Maryland law mandates that bicycles are treated akin to vehicles, which means bicyclists must adhere to the same rules as any motor vehicle. However, specific pathways and bridges restrict bicycle access, making knowledge of local traffic laws crucial. Moreover, drivers must exercise heightened vigilance around bicyclists, owing to their vulnerability. We cover the legal obligations of drivers, particularly when making turns or maneuvers near cyclists, underscoring the necessity of checking blind spots and yielding appropriately.

Legal Advice for Bicyclists Involved in Accidents

Unfortunately, most bicycle accident cases we handle involve serious injuries. The disparity in protection between a bicyclist and even a compact car can lead to severe consequences. Immediate medical attention is vital, not just for health recovery but also for legal reasons. We emphasize the importance of contacting professional legal help before reaching out to insurance companies. Misunderstandings about bicycle laws by insurance adjusters often lead to wrongful claim denials, an issue swiftly addressed by experienced lawyers who understand Maryland’s specific traffic laws.

Need Legal Assistance? Contact Us Today!

If you’ve encountered a bicycle accident or have any queries about cycling laws in Maryland, don’t hesitate to reach out. Call us at (410) 885-6200 or contact us online for expert legal guidance and representation. At Bowers Law, we are dedicated to ensuring your rights are protected and that you receive the justice you deserve. Remember, your safety and legal rights are our top priority.

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Employment Laws and Wage Theft Jul 29, 2024

Exploring Wage Theft and Employee Rights in Maryland and D.C.

Join Accident and Injury Lawyer Jobeth Bowers and renowned Employment Lawyer Bruce Godfrey as they delve into the complexities of wage theft and employee protections in Maryland and Washington, D.C. This enlightening discussion aims to clarify the rights and protections available to employees facing unfair wage practices in their workplaces.

Common Instances and Misconceptions of Wage Theft

Wage theft is an all-too-common issue where employers fail to adequately compensate their employees for the hours worked. This can include not paying for overtime, holidays, and more. Bruce Godfrey brings decades of experience in employment law to highlight typical scenarios where wage theft occurs and what employees might overlook when assessing their paychecks.

Legal Insights and Actions You Can Take

Bruce offers a deep dive into the legal framework surrounding employee rights, focusing on the crucial aspects of wage theft across various industries. The conversation will cover everything from the initial steps employees should take when they suspect wage theft, to the complexities of legal recourse in both Maryland and Washington, D.C. This segment aims to empower workers with the knowledge to protect their earnings and understand the legal pathways available to them.

This comprehensive discussion is not just about identifying problems but also about providing actionable solutions and expert guidance on navigating the challenges of wage theft. Tune in to gain invaluable insights and practical advice from seasoned legal professionals who uphold worker rights.

The post Employment Laws and Wage Theft first appeared on Bowers Law.

Hit & Run Accidents in Maryland - Why and How? Jul 22, 2024

Why Do Hit & Run Accidents Occur?

Hit-and-run accidents are disturbingly common and can leave victims with not only physical injuries but also numerous legal and financial complications. Attorney Jobeth Bowers discusses the various reasons these incidents occur, including drivers avoiding penalties for lacking insurance, driving under the influence, or other legal troubles. Understanding these motivations is crucial for both prevention and response strategies.

Immediate Steps to Take After a Hit & Run

If you find yourself a victim of a hit-and-run, it’s essential to act swiftly to protect your interests. Jobeth advises you to first ensure your safety and that of any passengers, then gather as much information as possible, such as descriptions of the vehicle or driver and any witness statements. Promptly reporting the incident to the police and your insurance provider is critical. For detailed guidance on what to do after a hit and run, visit our extended article.

Are You Adequately Insured Against Hit & Runs?

One of the key defenses against the repercussions of a hit and run is adequate insurance coverage. Maryland drivers should review their policies to ensure they have sufficient uninsured motorist coverage, which can be crucial in hit-and-run scenarios. Not sure if your coverage is adequate? Jobeth Bowers provides an insightful resource to help you evaluate your insurance policy. Check your coverage level and get professional advice. Are You Really Covered ?

These discussions are part of the “Monday Morning Lawyer” series, in which Jobeth Bowers tackles pressing legal issues facing Maryland residents today, offering expert advice and support for navigating these challenging situations.

The post Hit & Run Accidents in Maryland – Why and How? first appeared on Bowers Law.

Company Vehicle Accidents: Navigating the Impossible Jul 15, 2024

Understanding Commercial Vehicle Accident Claims

If you’ve been hit by a commercial vehicle and are feeling lost about what steps to take next, you’re not alone. Navigating the aftermath of such accidents can be overwhelming. This week, Attorney Jobeth Bowers discusses the complex landscape of dealing with commercial vehicle accidents. He offers crucial advice on managing your insurance claim efficiently, ensuring you make ‘one call to handle it all.’ This session is vital for anyone struggling with commercial vehicle claims in Elkton, MD, and beyond.

Your Guide to Handling Insurance After an Accident

Dealing with commercial vehicle accidents requires understanding the intricate details of insurance policies and claims processes. Jobeth Bowers will break down the essential aspects you need to check in your insurance policy to ensure maximum protection and potential settlement. Learn from real scenarios why it’s crucial to have your policy checked by a professional, avoiding common pitfalls that could cost you significantly post-accident.

Contact us for Help and Advice

If you need expert advice following an accident with a commercial vehicle, or if you wish to discuss your insurance policy, do not hesitate to contact Jobeth Bowers. Call us at (410) 885-6200 or contact us online for a free consultation and to learn how we can assist you with your claim. Remember, early legal intervention can significantly enhance the outcome of your case.

The post Company Vehicle Accidents: Navigating the Impossible first appeared on Bowers Law.

Maryland Auto Insurance Self Check Review Jul 08, 2024

Maximizing Your Auto Insurance Benefits

Elkton Auto Accident and Injury Attorney Jobeth Bowers shares invaluable advice on optimizing your auto insurance to ensure maximum compensation following an accident. Learn how to review your Maryland auto insurance policy to spot deficiencies and make necessary adjustments before you find yourself needing to file a claim. Discover simple yet effective tweaks that can significantly enhance the potential settlement amounts without increasing your premiums.

Your Guide to Personal Injury Protection (PIP)

Understanding Personal Injury Protection (PIP) is crucial for any vehicle owner. PIP coverage is a key aspect that can influence the settlement process in Maryland. Jobeth explains how PIP works and why it’s essential to have adequate coverage. He also debunks common myths about the impact of PIP claims on your insurance rates, with further details and guidelines available here.

Free Auto Insurance Policy Review

Don’t wait until after an accident to discover issues with your insurance coverage. Jobeth Bowers offers a free Auto Insurance Policy Review to help you ensure that your coverage is comprehensive and cost-effective. This service helps identify and rectify any gaps in your policy proactively. If you’re hesitant to send your policy via email, Jobeth provides guidance on performing a self-review. Interested in enhancing your policy or need specific advice? Start with your free review here.

Contact us for a Free Insurance Review

If you’re facing the aftermath of an auto accident or wish to prepare beforehand, Attorney Jobeth Bowers is here to help. Ensure your insurance policy is robust and comprehensive with a free review. For more personalized advice or to schedule a consultation, call us at (410) 885-6200 or contact us directly through our website. Let us help you secure the coverage you deserve.

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How Does YOUR Insurance Impact Your Settlement? Jul 01, 2024

Enhance Your Settlement with Smart Insurance Choices

As we navigate through 2024, Elkton Auto Accident and Injury Attorney Jobeth Bowers shares essential insights on how to optimize your auto insurance policy for better outcomes in accident settlements. Understanding the nuances of your policy, especially Personal Injury Protection (PIP), can significantly influence the compensation you receive. Learn how strategically chosen coverages can safeguard your financial well-being without raising your insurance rates. For a deeper understanding of PIP and its benefits, click here.

Minimizing Financial Impact Post-Accident

Jobeth Bowers discusses the common concerns about filing a claim with your insurance and how it affects your premiums. Contrary to popular belief, certain claims, such as those involving PIP, do not necessarily lead to increased rates. This episode demystifies the insurance process and reassures clients about the protections Maryland law offers to policyholders. For those worried about the impact of making a PIP claim, more information can be found here.

Get a Free Auto Insurance Policy Review

Are you making the most out of your auto insurance? Jobeth offers a free Auto Insurance Policy Review to help you ensure that your coverage meets your needs and maximizes your protection in case of an accident. This proactive step can make a significant difference in how well you are covered in the event of an accident. To schedule your free review and improve your insurance acumen, visit this link.

Contact Us for More Information

If you’re seeking guidance after an accident or wish to enhance your insurance for future security, don’t hesitate to reach out. Call Jobeth Bowers at (410) 885-6200 or contact us online for a free consultation. Our Elkton and Baltimore offices are ready to assist you with detailed insurance reviews and legal advice tailored to your needs.

The post How Does YOUR Insurance Impact Your Settlement? first appeared on Bowers Law.

Auto Insurance Rates Off The Charts? Here's How to Save. Jun 25, 2024

Unexpected Changes and Rising Auto Insurance Costs

This morning, as attorney Jobeth Bowers navigated an unexpected shift in our podcast schedule due to emergency legal hearings, we seized the opportunity to dive into a topic that impacts virtually everyone—skyrocketing auto insurance rates. Jobeth discusses the alarming trend of rising costs across the board, a strain felt by all who handle their own insurance payments. Today’s discussion focuses on practical tips for navigating and negotiating your insurance policies to ensure you’re not only finding savings but also maintaining essential coverage.

Strategic Advice for Managing Auto Insurance Expenses

In an insightful exchange, Jobeth shares valuable strategies for anyone facing exorbitant auto insurance rates. From understanding the fine print in your policies to making informed decisions about coverage adjustments, he offers advice that aims to protect you from being underinsured while managing costs. Whether you’re adjusting your policy or shopping for a new one, the guidance provided today is geared to help you make informed choices without compromising on the necessary protections.

Community Support and Upcoming Events

Amidst discussions of insurance and scams, Jobeth takes a moment to highlight an upcoming community event—a fundraiser for ‘Live Like Jen,’ supporting a local resident battling cancer. This event exemplifies Bowers Law’s commitment to community support and involvement, demonstrating the firm’s dedication beyond legal services. Such initiatives are crucial for building community resilience and showcasing the firm’s integral role in supporting local causes.

Contact Bowers Law for Legal Guidance

If you’re navigating the complexities of auto insurance or need legal assistance, contact Bowers Law at (410) 885-6200 or through our website. Our team is ready to provide expert advice and support, ensuring you make informed decisions that protect your financial and legal interests. Remember, proactive insurance management can safeguard you against unexpected financial burdens. Let us help you stay informed and prepared.

The post Auto Insurance Rates Off The Charts? Here’s How to Save. first appeared on Bowers Law.

Scams: Business Scams Jun 17, 2024

Understanding Scams That Target Businesses

This week on our podcast, attorney Jobeth Bowers dives deep into the mechanics of common scams targeting both small and large businesses. From the subtleties of the scams to the boldness of their execution, Jobeth outlines how these schemes are not just random but are cleverly designed to exploit businesses through psychological manipulation. He emphasizes the ‘law of averages’—a concept that scammers use to succeed despite numerous failures, highlighting the persistence and prevalence of these fraudulent activities.

Protecting Your Business Against Fraud

In today’s episode, Jobeth discusses practical steps to shield your business from scams. He shares insights into how businesses, especially professional services like law firms and medical offices, can be vigilant against sophisticated frauds that often start with seemingly harmless requests, such as verifying copier details. Jobeth provides actionable advice on how to scrutinize suspicious requests and invoices that could lead to financial losses, urging businesses to train their staff to spot and respond to potential scams effectively.

Community Engagement and Upcoming Events

Amid discussing scams, Jobeth takes a moment to remind listeners about Bowers Law’s commitment to community engagement through upcoming events. He talks about the fundraiser for a local cancer fighter, showcasing how the firm actively supports community causes. This blend of professional advice with community involvement not only enriches the podcast’s content but also strengthens the bond with the audience by demonstrating Bowers Law’s dedication beyond the courtroom.

Contact Bowers Law for Trusted Legal Advice

If you suspect your business has been targeted by a scam or need legal assistance, do not hesitate to contact us. Reach out to Bowers Law at (410) 885-6200 or by contacting us through our website. Our team is dedicated to providing you with the legal support necessary to protect your interests and ensure your business’s security. Remember, being informed and prepared is your best defense against scams. Let us help you stay safe and secure.

The post Scams: Business Scams first appeared on Bowers Law.

Scam Awareness: Entertainment Scams Jun 10, 2024

Unveiling Entertainment Scams: A Dual Perspective

This week on our podcast, Attorney Jobeth Bowers dives into the deceptive world of entertainment scams, revealing how both consumers and entertainers can fall prey to these cunning schemes. With an in-depth look at the most common tricks used to exploit unsuspecting victims, Jobeth provides essential insights that help listeners identify and sidestep potential scams. Whether buying tickets online or getting gigs in the entertainment industry, this episode gives you the knowledge to protect yourself.

Consumer Scams in the Entertainment Sector

From fraudulent ticket sales to bogus event promotions, scammers often target consumers looking to make a quick buck. In this segment, we explore various tactics these fraudsters use and how they lure in fans eager for entertainment. Jobeth Bowers discusses key red flags to watch for when engaging with entertainment vendors and online deals, helping listeners avoid financial pitfalls and disappointing experiences.

Protecting Entertainers from Gig-Related Scams

Entertainers and gig workers aren’t just passionate about their craft but also potential scam targets. This part of our podcast highlights specific scams designed to exploit artists, such as fake booking agents and phony gig offers. Special guest, Comedy Hypnotist Colin Chapman shares his personal experiences and tips on recognizing and dodging these exploitative tactics, ensuring your creative pursuits remain rewarding and secure.

Stay Protected Against Scams

Understanding the landscape of entertainment scams is crucial for both consumers and performers. This episode has provided valuable insights and practical tips to help you navigate these deceptive waters safely. If you suspect a scam or need further assistance, don’t hesitate to reach out by calling us at (410) 885-6200 or by contacting us on our website. Secure your financial and creative endeavors with the guidance of experienced professionals like Attorney Jobeth Bowers.

The post Scam Awareness: Entertainment Scams first appeared on Bowers Law.

Scams: How to Identify and Avoid Them Jun 03, 2024

Navigating the Treacherous Waters of Modern Scams

Attorney Jobeth Bowers sheds light on the ever-evolving landscape of scams and schemes in a world increasingly dominated by sophisticated digital interactions. From deceptive online phishing attempts to cunning clickbait, these modern threats are designed to exploit the unwary. During this engaging podcast episode, Jobeth discusses various common digital traps, providing listeners with critical insights into how these scams operate and the telltale signs to watch out for, helping them navigate safely in the digital world. In 2014, Jobeth Bowers even had someone try to scam his family and say he was in jail!

Identifying Subtle Scams in Everyday Life

While many of us know the blatant scams that flood our inboxes and social feeds, we encounter numerous lesser-known, more subtle schemes daily. Jobeth Bowers goes beyond the obvious, exploring the under-the-radar scams that don’t immediately trigger alarms. This part of the discussion focuses on identifying these low-key frauds and understanding the psychological tactics scammers use, equipping listeners with the knowledge to detect and avoid these deceptions effectively.

Practical Tips to Protect Yourself from Scams

With extensive legal expertise, Jobeth offers practical, actionable advice on protecting yourself from scams. This podcast segment delves into best personal and financial security practices, from scrutinizing links before clicking to recognizing the red flags in seemingly benign interactions. Listeners will come away with a toolkit of strategies to safeguard their information and peace of mind, which is essential in today’s scam-ridden environment. Also, you can check with your local Attorney General to see what known scams exist to protect your sensitive personal information.

Contact Attorney Jobeth Bowers

In today’s digital age, it’s crucial to stay vigilant against the myriad of scams and schemes that target our personal and financial security. Attorney Jobeth Bowers offers invaluable insights and practical advice to help you recognize and avoid these deceptive practices. Whether you’re dealing with online phishing, subtle clickbait, or other under-the-radar scams, this podcast provides the knowledge you need to protect yourself effectively. For more personalized advice or legal assistance, don’t hesitate to reach out by calling us at (410) 885-6200 or by contacting us on our website. Stay informed and secure with the expertise of Jobeth Bowers, your trusted attorney at Elkton, MD.

The post Scams: How to Identify and Avoid Them first appeared on Bowers Law.

Full Coverage Insurance in Baltimore, MD: Are You Fully Protected? May 28, 2024

In this episode of Monday Morning Lawyer, Attorney Jobeth Bowers demystifies the term “full coverage” in auto insurance. With his expertise, he explains what this coverage includes, its limitations, and how to enhance it with additional protections like higher liability limits and umbrella policies. As a dedicated Elkton Auto Accident Lawyer, Jobeth Bowers empowers listeners to understand and fully optimize their auto insurance. Tune in for essential insights and practical advice on ensuring genuine protection through your insurance coverage.

Let’s dive into what “full coverage” auto insurance means and why it might not be as comprehensive as you think. It’s a common phrase tossed around in the insurance world, suggesting you’re fully protected no matter what happens on the road. In this episode, Jobeth Bowers is here to walk us through the ins and outs of full coverage and show us how to ensure we’re covered. You can also read about auto insurance by visiting the Maryland state government’s website.

The Reality Behind Full Coverage

Hearing “full coverage” might make you think you’re invincible on the road, but it usually refers to having both collision and comprehensive insurance. This combo helps cover a lot, but it’s not the all-encompassing shield many assume it to be.

Peeking Under the Hood of Full Coverage

So, what’s typically bundled under this so-called full coverage? Let’s break it down:

• Collision Coverage: This kicks in if your car hits, or is hit by, another vehicle or object.

• Comprehensive Coverage: This covers damages to your car from non-collision incidents like theft, vandalism, or natural disasters.

These are foundational, but they don’t cover everything.

Spotting the Coverage Gaps

Even the best standard policies have their limits:

• Liability Insurance: Required almost everywhere, but often at the minimum level. It covers damages if you’re at fault in an accident.

• Uninsured/Underinsured Motorist Coverage: This is a lifesaver if the other driver’s insurance doesn’t cover the damages.

• Medical Payments/Personal Injury Protection: This helps with medical bills from car accidents, which is crucial in no-fault states and helpful elsewhere.

Boosting Your Insurance Game

To secure your peace of mind, Jobeth Bowers suggests beefing up your insurance beyond the basics:

• Ramp Up Liability Limits: Higher limits can protect financial well-being in a significant accident.

• Add Gap Insurance: Owe more on your car than it’s worth? Gap insurance has you covered if it’s totaled.

• Consider Umbrella Insurance: An umbrella policy adds an extra layer of protection for wide-ranging coverage.

Keep Your Policy Under the Microscope

Life changes fast, and so should your insurance. Regular check-ins with your agent ensure your coverage matches your current situation, helping you avoid overpaying or being underinsured.

Closing Thoughts: More Than Just Checking Boxes

Full coverage isn’t just a checkbox on your insurance form—it’s about truly understanding and managing your risks. Jobeth Bowers encourages drivers to get familiar with their policy details and make informed decisions about their coverage. It’s not just about following the law; it’s about fully protecting your car, yourself, and financial future. Make sure your insurance actually covers the full scope of what you need.

The post Full Coverage Insurance in Baltimore, MD: Are You Fully Protected? first appeared on Bowers Law.

Unveiled Secrets: What Insurance Companies Don't Want Known May 20, 2024

Unveiling the True Payers of Settlements and Verdicts

Join Maryland Accident and Injury Attorney Jobeth Bowers as he pulls back the curtain on one of the most guarded secrets in legal disputes: who really pays for settlements and verdicts? In this segment, Attorney Bowers explains the often misunderstood role of insurance companies in financing these payments and the implications for plaintiffs and policyholders alike. Discover the intricate dynamics behind financial settlements and how these large sums are managed and disbursed behind the scenes.

What Jurors Don’t Hear: The Hidden Side of Injury Trials

In the courtroom, not everything is as transparent as it seems. Specific pieces of information are deliberately kept from jurors during injury trials to avoid biasing their decisions. This part of the episode delves into what is withheld and why, providing a clearer picture of the judicial process. Attorney Bowers discusses the strategic reasons behind these omissions and how they can affect the outcome of a trial.

Empowering the Public with Knowledge

This episode is not just an informational session; it’s a tool designed to empower you, the viewer. Understanding these aspects of the legal system can significantly impact your decisions in your legal affairs or how you view the justice system as a whole. Attorney Jobeth Bowers emphasizes the importance of being informed and vigilant, mainly when dealing with insurance claims and courtroom procedures.

Tune in to this powerful episode to understand the hidden mechanisms at work in personal injury cases and insurance settlements. Attorney Bowers is here to give you the insider knowledge that the insurance companies don’t want you to know! Do you have questions that this podcast didn’t answer? Feel free to contact us using our online form or call us at 410-885-6200.

The post Unveiled Secrets: What Insurance Companies Don’t Want Known first appeared on Bowers Law.

When to Hire: Discussing the Ideal Time to Hire an Injury Lawyer in Maryland May 13, 2024

Understanding the Statute of Limitations in Maryland

Navigating accident cases in Maryland involves a complex interplay of various time factors, many of which are critical deadlines that can significantly impact the outcome of a case. One of the most vital deadlines is the Statute of Limitations. In Maryland, this legal boundary sets a definitive time frame for an accident victim to file a lawsuit. Failing to initiate legal proceedings within this period typically results in losing the right to sue forever, making it a pivotal checkpoint for any injury case.

Beyond the Basics: Other Critical Deadlines in Accident Cases

However, beyond the well-known Statute of Limitations, other nuanced deadlines are equally important but less obvious. These include filing deadlines for specific notices, such as a formal declaration of intent to file a claim against a government entity, which might be involved if the accident occurred due to poorly maintained public infrastructure like roads or traffic signals.

The Role of Insurance Claims Deadlines

Attorney Bowers also highlights the importance of understanding insurance claim deadlines, including the time limits for filing claims and submitting crucial documentation or evidence necessary to support them. Missing these deadlines can jeopardize the insurance benefits to which a victim is entitled, potentially leaving them without crucial financial support for medical expenses and recovery. Insurance adjusters may take advantage of missed deadlines or unclear procedures.

The Importance of Timely Evidence Preservation

Moreover, there are critical timelines for preserving evidence, such as securing surveillance footage before it is overwritten or obtaining witness statements while memories are fresh. Jobeth Bowers emphasizes that overlooking these aspects can undermine the strength of an injury case, as solid, timely evidence is often the backbone of successful legal arguments.

Why Legal Guidance is Essential in Navigating Deadlines

Each of these deadlines requires careful attention and a proactive approach to case management. Jobeth Bowers stresses the importance of consulting with a knowledgeable accident attorney who can help navigate these deadlines and ensure that all procedural requirements are met. This protects the rights of accident victims and enhances their chances of securing a fair and favorable resolution to their cases.

If you have any questions or need guidance on your accident case, don’t hesitate to reach out to us. You can contact us by phone at 410-885-6200 or through our online contact form. Our team is ready to provide you with the support and answers you need to navigate your legal journey. Whether it’s a quick question or a request for a consultation, we’re here to help every step of the way.

The post When to Hire: Discussing the Ideal Time to Hire an Injury Lawyer in Maryland first appeared on Bowers Law.

But I Stopped?!? Determining Fault in Stop Sign Accidents May 06, 2024

Stopping at a stop sign seems pretty straightforward. Just hit the brakes, look both ways and go. But there’s a lot more to it, something that many of us might not think about as we drive through our daily routines. Attorney Bowers from Bowers Law will dive into this topic in this podcast episode. He’ll talk about all those extra steps we should be taking after we stop—like really watching for cross traffic, making sure pedestrians are safe to cross, and double-checking blind spots at tricky intersections.

Attorney Bowers will also explain why these extra precautions are not just good driving habits but also crucial for keeping us out of legal trouble. He’ll explain how skimping on these responsibilities can increase our liability if an accident happens—even if we thought we did everything by the book by stopping at the sign.

This episode is perfect for anyone who’s behind the wheel regularly. It’s about becoming more aware of our surroundings and understanding our more profound responsibilities every time we drive. Whether you’re a new driver or have been on the road for years, there’s something in this discussion for everyone to make our streets safer and avoid needless accidents.

The post But I Stopped?!? Determining Fault in Stop Sign Accidents first appeared on Bowers Law.

Bad Bills: Handling Improper Medical Billing Apr 29, 2024

In our upcoming discussion, Attorney Patrick Best and I will explore the complex landscape of “bad bills” in the post-COVID-19 era, especially with the rise of outsourced medical billing. We’ll uncover why these situations occur more frequently now and dive into the actionable steps individuals can take when faced with persistent billing issues or collections. Our expertise allows us to navigate these challenges, securing fair resolutions and even additional compensation for clients grappling with improperly handled bills. Tune in to gain valuable insights and strategies for managing these critical financial situations effectively.

The post Bad Bills: Handling Improper Medical Billing first appeared on Bowers Law.

Survivors: How to Pursue Compensation as A Victim Apr 22, 2024

Elkton Accident and Injury Attorney Jobeth Bowers will be joined by Attorney Frank Natale. We will discuss the complicated and tragic world of navigating compensation as a crime victim. Frank Natale is currently the leading attorney on landmark cases involving the Baltimore Archdiocese and Statewide Juvenile Detention Centers.

Listing of Facilities that are likely to be included in these claims:

Active Parishes: https://www.archbalt.org/parishes/directory-of-parishes/

Closed Parishes: https://www.archbalt.org/parishes/list-of-closed-parishes/

Maryland Juvenile Detention Center Facilities: https://djs.maryland.gov/Pages/facilities/index.aspx

The post Survivors: How to Pursue Compensation as A Victim first appeared on Bowers Law.

Accident: How Will You Pay for Everything? Apr 15, 2024

During this week’s episode, Accident and Injury Attorney Jobeth Bowers discusses the aftermath of an automobile accident. Medical bills, wage loss, and more, as well as how those get paid for during the process of a claim, settlement, trial, and verdict. We understand accidents are unexpected and often quite stressful. We’re here to answer any questions related to this topic. Got questions? Join the live stream or e-mail in advance to have them addressed during the broadcast. Attorney Bowers breaks down the benefits of using your health insurance for injury treatment for accidents that occurred in Maryland. He further describes how his office, if hired early enough in the process, can work toward maximizing the amount of money our clients receive from settlements just by managing the order of operations for payment of medical care.

The post Accident: How Will You Pay for Everything? first appeared on Bowers Law.

What Goes Into Accident Settlement Value? Apr 08, 2024

Attorney Jobeth Bowers of Bowers Law tackles the “big question” that everyone seems to want to know: “What is my accident case worth?” in a way that breaks down the individual factors of what goes into settling an accident case. This will be a surface-level discussion to set the table for future episodes and more in-depth coverage of each individual element.

The post What Goes Into Accident Settlement Value? first appeared on Bowers Law.

Monday Morning Lawyer with Bowers Law Apr 01, 2024

Bowers Law is bringing back their weekly radio show, now on a free digital format that you can either live stream weekly at 10 am Eastern every Monday or catch a recording later. In this first episode, back, Attorney Bowers discusses the overall concept of this podcast as a natural evolution of the weekly radio show he used to do. Now, in this format, listeners/viewers can tune in on several platforms, watch the show live, interact in the comments/chat feature of the show, and come back any time they choose to watch missed episodes or rewatch episodes with important topics. Aside from the general intro, this week, Attorney Bowers discussed lawyers and how not all lawyers handle all case types. Specifically, Bowers Law focuses on auto accident cases in Maryland, most of them being accidents in Cecil County, Maryland. A few horror stories about general practitioners were discussed, and a call to action to send any and all law topics for the broadcast to the e-mail address in the video. If you’re seeking a Maryland auto accident lawyer and want a firm that knows how to “stay in their lane,” Bowers Law is likely a fit for you! Contact us today at 410-885-6200 for a free consultation.

The post Monday Morning Lawyer with Bowers Law first appeared on Bowers Law.

What is a "Release of Claims"? And Why am I Getting One? Mar 21, 2022

In this episode of the Maryland attorney podcast your host, attorney Jobeth Bowers, explains the Release of Claims letter you may receive from an insurance company if you are involved in an injury lawsuit.

It’s extremely important that you understand what you are signing before you sign it.

The post What is a “Release of Claims”? And Why am I Getting One? first appeared on Bowers Law.

Medical Bill Summary Explained Feb 14, 2022

In this episode of the Maryland Injury Attorney Podcast, attorney Jobeth Bowers explains the Medical Bill Summary Letter.

What is it?

Why are you getting one?

What do the numbers mean?

If you should have an injury lawsuit and engage Bowers, Hassan and Herndon, the Medical Bill Summary Letter is an important document that you will need to review.

The post Medical Bill Summary Explained first appeared on Bowers Law.

What You Need to Know About Insurance Companies Feb 08, 2022

When it comes to an injury claim, the insurance company is not on your side.

In these circumstances you are not in “good hands” and there is no “good neighbor”. The insurance company is only interested in minimizing their losses.

In this episode of the Maryland Injury Attorney Podcast, attorney Jobeth Bowers explains ways you can maximize your benefits in the event of any kind of injury lawsuit.

The post What You Need to Know About Insurance Companies first appeared on Bowers Law.

What the New Uninsured/Underinsured Motorist Law Means Feb 03, 2022

Maryland attorney Jobeth Bowers talks in depth about auto insurance and the new law that went into effect in Maryland in 2018. How do you know when you have enough insurance? What happens if you are hit by an uninsured motorist? How is “full coverage” insurance like a cup of coffee?

And much more!

The post What the New Uninsured/Underinsured Motorist Law Means first appeared on Bowers Law.

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The Maryland Injury Attorney Podcast

Why Health Insurance Still Matters With a High Deductible

How Contract Pricing Reduces Medical Bills

How Deductibles Are Met Through Accident Care

How This Impacts a Maryland Injury Claim

Why Skipping Health Insurance Can Cost You

Final Thoughts

Wage Loss After an Auto Accident: Who Pays and What You Need

What Qualifies as a Wage Loss Claim

Why You Cannot Bend the Rules

The First Source of Wage Loss: PIP Coverage

What Happens When PIP Runs Out

Disability Insurance and Reimbursement Issues

What If You Used Sick Time or Vacation

Why Guidance Matters

Final Thoughts

Hiring a Lawyer After an Accident Is More Affordable Than You Think

Injury Attorneys Do Not Charge Up Front Like Other Lawyers

How the Fee Works and Why It Is Tied to Your Recovery

What the Firm Handles So You Can Focus on Healing

Where the Settlement Money Goes and Why You Stay in Control

Why PIP Can Make a Huge Difference in What You Keep

The Bottom Line: You Never Write the Firm a Check

Using Health Insurance to Save on Auto Coverage Can Cost You Later

Online Insurance Quotes Are Built to Push the Cheapest Option

Health Insurance and PIP Do Not Work the Same Way

Why Waiving PIP Shrinks the Value of Your Case

A Local Agent Helps You Avoid These Traps

Get a Free Policy Review Before It Is Too Late

When a Crash Is Catastrophic, Insurance Limits Become the Problem

The True Value of a Case and What You Can Actually Collect

Why Excess Judgments Often Turn Into Nothing

Enhanced Underinsured Coverage Is Built for These Worst Case Scenarios

What Coverage Levels Make Sense for Homeowners

Get a Free Policy Review Before You Need to Use It

Your Insurance Still Protects You When You Are a Passenger in Someone Else’s Car

Your Policy Follows You, Not Just Your Car

Why PIP Coverage Matters Most When You Are a Passenger

Your Underinsured and Uninsured Coverage Travels With You Too

You Built Your Policy for a Reason, and It Still Works When You Are Not Driving

Every Insurance Company Plays by a Different Rulebook

Commercial Policies Often Make Bigger Offers

Smaller Insurance Companies Often Spend More to Defend a Lawsuit

Why Self Negotiated Claims Get the Worst Offers

How to Protect Yourself When the Offer Seems Wrong

Accident Reports Aren’t the Final Word

Common Mistakes and Why They Happen

Can You Fix the Report?

Insurance Companies Will Exploit These Errors

Bowers Law Handles It All — From Report to Resolution

The Real Cost of Roadside Assistance Claims

Why Using Your Policy May Hurt You

AAA as a Smarter Alternative

Save Now, Pay Later? Maybe Not Worth It

Contact Bowers Law

Final Two Tips That Can Save You the Most

Tip #2: Compare Quotes the Smart Way

Tip #1: Know Your Needs Before You Commit

Don’t Assume Minimums Are Enough

Tap into Local Expertise

Top 10 Recap and Ongoing Support

Top 10 Auto Insurance Hacks for Maryland Part 4 of 4

Bundle Your Policies to Unlock Big Savings

Specialty Vehicles Need Special Attention

Know What You’re Buying

Don’t Be Afraid to Ask for More

Top 2 Tips Coming Next Week

Top 10 Auto Insurance Hacks for Maryland Part 3 of 4

Why You Need to Review Your Policy Now

Hack #10: Don’t Be Afraid to Switch Companies

Hack #9: Read the Fine Print—or Let Joe Do It

Hack #8: Review Your Policy Every Year

Top 10 Auto Insurance Hacks for Maryland Policies – Part 1 of 4

Who’s Covering You When You Drive?

The Two Modes of App-Based Driving

What Your Personal Insurance May Not Cover

Don’t Rely on the App’s Coverage Alone