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The Hartford Insurance | Accident Claims and Settlements

For over 12 years, our law firm has handled personal injury car accident and premises liability claims and lawsuits against The Hartford. We know this insurance company and how to maximize the value of claims against its insured. This article gives you some insight as to how The Hartford works and how to put yourself in the best position to get the most money possible, in a settlement or lawsuit with this insurer.

The Hartford offers just about all types of insurance; including but not limited to: auto, homeowners, life, and disability. They also have a sizable business insurance operation; offering commercial auto policies, property insurance, and workers' compensation insurance.

The Hartford Insurance was founded Connecticut in 1810. Although, the insurance company has been around for many years, we don't see many non-business automobile insurance policies here in Maryland. Roughly, in Maryland, it has about 0.33% of the market share. It is only marginally larger nationwide, with only 1.62% of the auto insurance market share in 2009 (compared to 10.51% for Allstate, 8.21% for GEICO, and 18.63% for State Farm).

The Hartford writes private automobile insurance policies in 41 states; including Maryland and neighboring jurisdictions of the District of Columbia, Virginia, and Pennsylvania.

Settlement of the Hartford Insurance Accident Claimshartfordclaims

Because the Hartford has such a small market share, it's difficult to know whether our experiences are representative. However, speaking with other lawyers, we have a good idea of The Hartford's standard operating procedures.

Our experience is that even in Hartford accident cases with clear liability (that is, where The Hartford's insured did something egregiously wrong), and clear-cut treatment (even where the lawyer did not refer the plaintiff to medical doctors, but the client's medical treatment was all doctor-referred), The Hartford will usually offer less than the total medical expenses. That means that they typically believe those medical bills are too high, or else they place no value to non-economic damages like pain, suffering, inconvenience, physical impairment, pre-impact fright, and other damages allowed by Maryland law. Nine times out of ten, our law firm must file a lawsuit where The Hartford is the defendant driver's insurance company.

However, the picture often brightens when the lawsuit is served. Until recently, The Hartford used The Law Firm of Guido Porcarelli, as their in-house counsel. The lawyers at this firm would usually bring common sense to The Hartford's insurance adjusters, and cases would often settle before trial.

Mr. Porcarelli has since moved on to the Law Offices of Frank F. Daily - another well respected insurance defense firm. The Law Offices of Pamela Randi Johnson - is The Hartford's new office, which is made up of largely the same group of lawyers. Therefore, we expect The Hartford to continue to be generally reasonable, after lawsuits are filed.

Contacting The Hartford Insurance

When you deal with this insurer, you do not deal with a Maryland office. We have dealt with various regional offices of The Hartford. I think it is fair to say that most cases in the Baltimore-Washington metropolitan area come out of the Tampa office.

These are some of the adjusters we have seen over the years:

  • Gail Mandell
  • Alison Clarke
  • Tom Bradshaw
  • Michael Harris
  • Jane Sartoe
  • Norman Nichols
  • Melinda Cole
  • Gayle Lehane
  • Sabrina Smith
  • Lara Loomis
  • Daphene Turner
  • Melissa Posey
  • Laurena Clark
  • Jessica Denham
  • Kent Jones
  • Cindy Blasko
  • Kerri Mersereau
  • John O'Neill
  • Adam Blattner
  • Jason Wagler
  • Kelley Foxx
  • Linda Shook

These are all The Hartford adjusters in Maryland cases. Some we have seen just once, others we have seen many, many times.

The Hartford has better adjusters than most insurance companies. One reason: commercial cases tend to have larger claims. This means you cannot get away with a random college student parading around as a claims adjuster, as many insurance companies do.

These are the addresses of the offices we have dealt with in recent years:

P.O. Box 30773
Tampa, FL 33630
877-536-6595 (fax)


P.O Box 15146
Worcester, MA 01615
506-926-5660 (fax)


P.O. Box 14262
Lexington, KY 40512-4262
1-866-809-1955 (fax)


21 Christopher Way
Eatontown, NJ 07724
732-578-9396 (fax)


7090 Port Lane
Mechanicsville, VA 23111
800-637-5410 (same number as Tampa)
877-905-8621 (fax)

To contact Hartford's in-house counsel in Maryland:

Law Offices of Pamela Randi Johnson
200 International Circle
Hunt Valley MD 21030

Our Lawyers Can Help With Your Claim Against the Hartford

If you've been in an accident with a driver insured by The Hartford, or have an uninsured motorist claim against this insurance company, contact us at 800-553-8082 or online for a free consultation.

We can send the insurance company everything they need to resolve your claim, and if they don't do so in a timely fashion, we will file a lawsuit on your behalf.

Automobile Insurance Companies: A ComparisonMore Information on Automobile Claims and LawsuitsInformation on Our Personal Injury Law Firm
Client Reviews
They quite literally worked as hard as if not harder than the doctors to save our lives. Terry Waldron
Ron helped me find a clear path that ended with my foot healing and a settlement that was much more than I hope for. Aaron Johnson
Hopefully I won't need it again but if I do, I have definitely found my lawyer for life and I would definitely recommend this office to anyone! Bridget Stevens
The last case I referred to them settled for $1.2 million. John Selinger
I am so grateful that I was lucky to pick Miller & Zois. Maggie Lauer
The entire team from the intake Samantha to the lawyer himself (Ron Miller) has been really approachable. Suzette Allen
The case settled and I got a lot more money than I expected. Ron even fought to reduce how much I owed in medical bills so I could get an even larger settlement. Nchedo Idahosa