A car accident can cause more than broken bones and bruises. Fires, fuel leaks and hot surfaces can leave victims with severe burn injuries that need immediate and long-term care. Knowing who is legally responsible for your injuries is an important first step toward getting the help you need.
Does the at-fault driver pay for burn injuries?
Maryland follows an at-fault system for car accidents. The driver who caused the crash is financially responsible for injuries. Their liability insurance should cover medical bills, lost wages and other damages. However, proving fault is not always simple.
The state also applies contributory negligence rules. This bars recovery if the injured person shares any fault for the accident. Even one percent of blame can eliminate the right to compensation.
What if the at-fault driver has no insurance?
Some drivers have no insurance despite legal requirements. Maryland mandates minimum coverage of $30,000 per person and $60,000 per accident. When an uninsured driver causes burn injuries, victims face significant challenges.
Uninsured motorist coverage can pay in these cases. This coverage steps in when the at-fault driver has no insurance. Alternatively, underinsured motorist coverage can help when the at-fault driver’s limits are too low to cover severe burn injuries.
What damages can burn victims recover?
Maryland law allows victims to seek full compensation for all damages from the accident. Burn injury victims can claim the following:
- Medical expenses: Emergency room visits, hospital stays, surgeries, skin grafts, medications and physical therapy
- Lost wages: Income lost during treatment and recovery periods
- Pain and suffering: Physical agony and emotional distress caused by burn injuries
- Scarring and disfigurement: Permanent changes to appearance and quality of life
- Future medical costs: Anticipated surgeries, treatments and ongoing care needs
The total value of a burn injury claim depends on severity and long-term impact. Third-degree burns that need multiple skin grafts often lead to much higher compensation than minor burns. Permanent scarring on visible areas like the face or hands also raises claim value.
Securing compensation for your recovery
Maryland law sets a strict three-year deadline for filing personal injury claims. Burn injuries bring serious long-term costs, and your right to compensation is time-sensitive. Understanding who is liable and what coverage applies to your situation can help you recover those losses.