{"id":3078,"date":"2023-09-05T18:47:09","date_gmt":"2023-09-05T22:47:09","guid":{"rendered":"https:\/\/www.millerandzois.com\/maryland-bad-faith-insurance\/"},"modified":"2024-09-19T10:29:20","modified_gmt":"2024-09-19T14:29:20","slug":"maryland-bad-faith-insurance","status":"publish","type":"page","link":"https:\/\/www.millerandzois.com\/professional-attorney-information-center\/maryland-weak-bad-faith-law\/maryland-bad-faith-insurance\/","title":{"rendered":"The Myth of Bad Faith Insurance Part 2"},"content":{"rendered":"

The Illusion of First Party Bad Faith in Maryland<\/strong><\/p>\n

\"badfaith\"On October 1, 2007, the State of Maryland joined many other states when it created a civil tort action against insurance companies who fail to act in good faith when adjusting “first party” insurance claims. This new “First Party Bad Faith” law known, as Chapter 150, Senate Bill 389, was to be the sword of justice used by plaintiffs’ lawyers to slay insurance carriers who failed to act in good faith when evaluating first party claims. But, simply put, our law is almost a farce<\/strong>. Unlike other states, Maryland’s “First Party Bad Faith” statute does not provide for the complete recovery of the insurer’s damages against an insurance carrier. It only provides for recovery up to the insurance policy limits and an additional amount for costs, expenses, interest, and attorney fees incurred in the litigation. See C.J.P. 3-1701(e) and (g) and Ins. Art. 27-1001(e)(2)(i).<\/p>\n

Maryland personal injury lawyers, tired of having policy limits shoved in our faces in first party insurance claims, were giddy<\/a> when this law was passed. Unfortunately, the interpretation of the new statute by the Maryland Insurance Administration (M.I.A.) has provided insurance carriers with a shield that has made the new statute a virtual nullity. This should be no surprise when the M.I.A. firmly believes that “..insurance companies are repeatedly faced with claimants who exaggerate their injuries in an attempt to receive more benefits than that for which they are entitled.” One only need to review the annual reports submitted by the M.I.A. to the Maryland General Assembly to appreciate the devastating results. The annual reports can be found here.<\/p>\n

Continue reading \u2192<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

The Illusion of First Party Bad Faith in Maryland On October 1, 2007, the State of Maryland joined many other states when it created a civil tort action against insurance companies who fail to act in good faith when adjusting “first party” insurance claims. This new “First Party Bad Faith” law known, as Chapter 150, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3077,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3078","page","type-page","status-publish"],"yoast_head":"\nThe Myth of Bad Faith Insurance Part 2 | Maryland Personal Injury Attorneys<\/title>\n<meta name=\"description\" content=\"Free Consultation (800) 553-8082 Miller & Zois helps injured victims and their families in personal injury, medical malpractice and wrongful death cases. Maryland Personal Injury Lawyers. 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