A recent case in front of the Maryland Court of Appeals affirmed a judgment favorable to an accident victim’s insurance company, limiting the victims’ overall damages. Back in 2009, a man and his wife from Waldorf were taking a walk through their neighborhood when a car backed up out of a driveway and struck the couple.
As a result of the accident, both the man and his wife sustained serious injuries. The man sustained a traumatic brain injury, as well as injuries to his head, neck, and limbs. He was taken to a rehabilitation center, where he died about 18 months later. The man’s wife also sustained injuries in the accident, although not as serious as her husband.
In 2010, the couple filed suit against the driver and his insurance company. At the time of the accident, the couple also had their own insurance coverage, through GEICO, which had a policy limit of $300,000 per person and $300,000 per accident. The couple entered into a settlement agreement with the driver’s insurance company for $100,000 each and then filed an underinsured-motorist claim under their own insurance company, seeking to recover the entire $300,000 that their policy covered.