Falodun Law

A serious car accident is bad enough. But it gets worse when you learn the at-fault driver: has no insurance , or has minimum limits that won’t come close to covering your medical bills and lost wages. That’s where UM/UIM coverage  may come in. UM/UIM stands for Uninsured/Underinsured Motorist  coverage. It’s coverage on your own policy  that may help pay for injuries when the at-fault driver can’t. This post explains how UM/UIM works in Maryland , when it applies, and common mistakes that...

Most people don’t want a lawsuit. They want their life back. So when a lawyer mentions “filing suit,” clients often worry: “Does that mean I’m going to trial?” “Is this going to take forever?” “Will it cost me more?” “Why can’t we just settle?” Here’s the reality in Maryland: A lawsuit is often a tool - not an outcome. Many cases settle without trial, but sometimes filing suit is the only way to stop delay tactics and force the insurer to take your claim seriously. This post explains the...

After a car accident, most people think there are only two options: Wait for the at-fault driver’s insurance to pay, or Start paying medical bills out of pocket. In Maryland, there’s often a third option that can provide early financial relief: Maryland PIP (Personal Injury Protection) PIP can help cover medical bills and (in many cases) some wage loss regardless of fault, which can be a lifeline while the liability claim is still being “investigated.” This article explains what Maryland PIP...