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What is Underinsured or Uninsured Motorist Coverage?

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What is Underinsured or Uninsured Coverage?

This week, Mark J. Palumbo explains Underinsured and Uninsured Coverage. When reviewing your auto insurance policy, it is important to understand that your coverage can vary based on your policy. Uninsured coverage protects you from drivers that have no insurance. On the other hand, Underinsured coverage helps protect you if you are hit by another driver that does not have enough insurance to cover your damages.

We here at Davis, Upton & Palumbo LLC, strive to obtain the compensation to which you are entitled. If you need assistance, advice on your coverage, or just want to learn more about our services on Motor Vehicle Accidents,
click here or contact us today! Read more

What is a Suspended Sentence?

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What is a Suspended Sentence?

During criminal cases, often times a judge will impose a suspended sentence. A suspended sentence is an opportunity for a judge to impose a sentence but not make the person serve that full amount of time.

Example

A common example of a suspended sentence is when someone is charged with a DWI. If the max penalty for a DWI is one year, the judge can impose a one year sentence but suspend all but 30 days. This means the person will only have to serve 30 days out of the one year sentence.

However, the court will put that person on probation for a period of time. If the terms of the probation are violated then they will go back and serve the remaining 11 months of the sentence. Mark Palumbo always recommends complying with the terms of probation or you will risk going back and serving the remainder of the suspended sentence.

At Davis, Upton & Palumbo LLC, our criminal defense attorneys have many years of experience defending clients in criminal and traffic cases. We spend the time needed to make sure you understand the legal process and the penalties you face if convicted. We will advise you about the options available to you. To learn more about our practice areas

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What is a Plea Bargain?

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What is a Plea Bargain?

Mark Palumbo explains that criminal cases often end with a plea bargain. A plea bargain is a negotiation with your attorney and the State’s Attorneys Office to determine what is an appropriate charge that the defendant will plead guilty to.

Example:

Often times there will be multiple charges in a case. An common example of a situation with more than one charge is in a DWI or driving while intoxicated case. If you are charged with a DWI you will most likely be charged with driving under the influence, driving while impaired and a series of non-jailable charges.

Mark Palumbo recommends to his clients that if you are going to plead guilty to the worst charge then you might as well go to trial. In most cases, the state will negotiate with you to plead to a lesser offense which leads to a lesser penalty and perhaps even a smaller fine. In the end, the plea bargain will be a negotiation where the defense attorney and the State’s Attorney can both agree upon the final charges.

At Davis, Upton & Palumbo LLC, you can depend on us to get the best outcome possible in your case. If we proceed to trial, you can be certain that we will use our experience and skill to defend you vigorously. If you’d like to learn more about our Criminal Defense practice area click here or contact us today!

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How do Policy Limits on Auto Insurance Work?

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Insurance Policy

When we handle personal injury cases we have the opportunity to review insurance policies for our clients. Sometimes our clients wonder if they have the right coverage. To better understand if you have the coverage you need, it is important to understand policy limits.

What is a Policy Limit?

A policy limit is what your insurance company will sell to you. For example, in the State of Maryland, the minimum amount is 30,000 dollars per person and 60,000 dollars per accident. That means if you have this policy limit, the insurance company will only pay 30,000 per person and will not pay more then 60,000 dollars no matter how many people were injured during the accident.

What should my policy cover?

We recommend speaking with your insurance agency to make sure you have a policy limit that will protect you. You should have your policy limits set so that your insurance will protect the assets you have in your home.  You do not want to become personally liable if you are ever the cause of an accident.

For example, Mark personally has a $250,000 policy with a million dollar umbrella. This will vary depending on your personal circumstances. We recommend discussing these details with your insurance agent to determine what policy limits are appropriate for you.

At Davis, Upton & Palumbo LLC, our attorneys and staff will handle all communication with the insurance company. We will negotiate your best settlement with the insurance companies and will vigorously litigate those claims, which cannot be reasonably settled. If you want to learn more about or Personal Injury services click here or contact us today!
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How Are Lost Wages Calculated?

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When I represent people in personal injury cases, they sometimes wonder what factors go into evaluating these claims.  Two major factors are considered; medical bills and lost wages.

Medical Bills

Most people realize that their Medical bills will be a factor in their claim. In addition, we look at the impact on your life that your injuries have caused. It is important to have documentation of the medical costs so that this number can be calculated.

Lost Wages

Lost Wages are the wages you did not earn during the time you are injured. For example, if you were to miss three days from work we would calculate the value of those lost hours to your income. The calculations are fairly simple. In this case,  you would just take what you would have made in those three days of work and include that number in your claim. Even if you used your paid sick leave for the time off, that still factors into the claim because you have lost that time in benefits.

For a more severe incident that causes someone may not be able to go back to work at their regular job. In those cases, we have to calculate the future lost wages and include that in the claim.

In conclusion

At Davis, Upton & Palumbo LLC, we understand the issues our clients face when they have been injured due to the negligence of others.  We strive to help you obtain the compensation you need and deserve. If you or a loved one has been seriously injured, or a family member has been killed in an accident, seek legal advice right away. To learn more about our Personal Injury services click here or contact us today.

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Why is it Important to Avoid Gaps in Treatment?

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This week Mark Palumbo explains why you should always avoid gaps in treatment when it relates to a Personal Injury claim. Any type of gap during the time you should be treating will cause the insurance company to reevaluate your case and question your injuries.

What is a gap in treatment?

A gap in treatment is when someone has been instructed by a doctor to seek further medical treatment because of their injuries and fail to complete the full length of treatment or takes breaks in between.

Why should you avoid taking breaks in between treatments?

Mark Palumbo suggests at your initial consultation that it is highly recommended to follow through with all of your medical treatment. If the Insurance company notices you are taking long breaks or otherwise deviate from your treatment plan, they will evaluate your case and could question how serious your injuries are.

Example:

If you are instructed by a doctor to go to physical therapy for eight weeks, twice a week you should do so. If you are told by a doctor to take a break from treatment that is acceptable, otherwise you should not be making that decision on your own.

In conclusion, it is important to follow the instructions you are given by a doctor regarding your medical treatment as if you don’t, that can affect your case.

At Davis, Upton & Palumbo, LLC, we understand that the issues our clients face when they have been injured due to the negligence of others. If you want to learn more about our Personal Injury services click here or contact us today.

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