The laws in Maryland regarding car accidents can be confusing and many drivers misunderstand key facts and regulations. Before you get behind the wheel in Baltimore, learn which commonly held beliefs about car accidents are fact and which are fiction.

1. Fact or Fiction: Drunk drivers cause most accidents. Since you don’t drink and you’re rarely on the road after “happy hour,” you have nothing to worry about.

Fiction: According to the Maryland State Highway Administration, car accidents caused by inattentive or distracted drivers outnumbered those caused by drunk or impaired drivers — by almost five-to-one. So don’t assume that because you drive responsibly and don’t drink, it can’t happen to you; driver distraction occurs at all hours of the day and in all kinds of driving conditions.

2. Fact or Fiction: If another driver hits my car, their insurance company will pay for my damages and injuries.

Fiction: Auto insurance is mandatory — but the reality is that not everyone on the road is covered. In fact, auto insurance within Baltimore is typically much more expensive than other cities in Maryland. As a result, low income drivers who rely on their cars to get to work may skimp on insurance to save costs. The bottom line — just because you obey the law and have insurance for your vehicle does not mean the other driver does.

3. Fact or Fiction: You don’t need to pay for Maryland Personal Injury Protection because you already have health insurance that will help cover my costs if you are injured.

Fiction: Maryland Personal Injury Protection or PIP is a type of coverage you can purchase with your auto insurance policy that pays medical bills and lost wages caused by car accident injuries. While coverage only extends to the amount your policy covers, it is worth purchasing. The benefits included in PIP are available regardless of what other benefits you may receive from other sources (including the other driver, if he or she is at fault), and your health insurance won’t pay for lost wages. PIP also covers medical costs for your passengers in addition to you.

4. Fact or Fiction: Responsibility in a car accident is pretty cut and dry; anyone can tell who was to blame.

Fiction: Determine responsibility in a car accident can actually be quite complex. Police reports, witnesses and detailed accident scene investigations can all play an important role in evaluating the cause of an accident and who was at fault.

5. Fact or Fiction: If you’re injured in a car accident, you need an attorney.

Fact: An experienced attorney can help protect your rights following a traumatic injury. You can concentrate on your recovery while your legal counsel investigates your claim, determines who was at fault and prepares a case with your best interests in mind.

Come to the lawyers who handle only personal injury cases. Let the Law Offices of Plaxen & Adler put the expertise to work for you!

With 9 convenient offices and over 50 years of combined legal experience, the firm is one of the most recognized personal injury law firms in Maryland. Since 1982, the Law Offices of Plaxen & Adler has been helping victims just like you. Unlike most law firms, the firm only handle personal injury cases.

Big insurance companies have lawyers who are paid to make sure you receive little or no money for your injuries. If you don’t hire the right lawyer, you could lose some or all of your legal rights. The Law Offices of Plaxen & Adler will work hard to protect your interests and get you the best result possible.

New York has a vast number of lawyers and firms that are among the best for handling bankruptcy cases. New York bankruptcy lawyers work on behalf of their clients to help in filing for bankruptcy, or getting protection from bankruptcy. New York bankruptcy lawyers review the facts, file paperwork, attend court procedures and determine the best options available for clients with respect to the New York bankruptcy law.

A client should choose a lawyer that takes care of his case in a respectful, caring and ethical manner, and protects his legal rights, assets and personal rights. Lawyers who specialize in bankruptcy cases have experience in creditor-debtor disputes that rise up in court, federal trials and state appellate courts. A New York bankruptcy lawyer can file for bankruptcy under either Chapter 7 (straight liquidation bankruptcy) or Chapter 13 (prevent mortgage foreclosures).

Some people prefer not to file for bankruptcy because there might be too many risk factors involved for them or their family. In case of such situations, a lawyer helps clients to deal with creditors, negotiate a debt settlement and arrange refinancing. A bankruptcy lawyer should have the knowledge and legal expertise of the new bankruptcy law that went into effect on October 17, 2005 and how it will affect debtor’s rights, Chapter 7 filing and Chapter 13 filing.

One of the most prominent firms specializing in bankruptcy in New York is the Law Offices of Stephen B. Kass, PC. For more than 15 years, the Law Offices of Stephen B. Kass, P.C. has offered experienced legal counseling in the areas of Bankruptcy (Chapter 7, Chapter 13 for Consumers and Chapter 11 Reorganization filings for Businesses with high tax debt as well as Chapter 11 filings for individuals with substantial liabilities), Tax Litigation and Agreements with the Internal Revenue Service “IRS” and Debt Negotiations with Creditors. The Law Offices of Stephen B. Kass, P.C. has daily contact with IRS Special Procedures agents in Brooklyn, Asst. Attorney Generals in NYC, IRS Local counsel in NYC, NYS Counsel in NYC, Long Island and in Albany, NY. The staff practices business and consumer bankruptcy in NY.

The firm provides Chapter 11 Bankruptcy Services in NYC, Brooklyn and in Long Island, NY. The Law Offices of Stephen B. Kass, P.C. files Business Bankruptcy cases in the greater tri state area. The firm is counsel to other attorneys, CPA’s, doctors, investment bankers, engineers as well as other professionals and high net worth individuals. The Law Offices of Stephen B. Kass, P.C. is Corporate Bankruptcy Attorneys in New York.

All of the attorneys are Bankruptcy Attorneys in New York and are members of the American Bankruptcy Institute, New York District Courts and the Tax Court. The Law Offices of Stephen B. Kass, P.C. has authored articles on taxation and bankruptcy and have lectured on these subjects to other attorneys and accountants. The firm has attorneys admitted to the Supreme Court holding LLM in Taxation and also a CPA, attorneys fluent in Russian and paralegals fluent in Spanish.

As a New York City Bankruptcy law firm, with the main office in downtown Manhattan close to Bankruptcy Courts and an office in Garden City near the local courts/business district, the Law Offices of Stephen B. Kass, P.C. is able to work on complex bankruptcy litigation cases in New York, Brooklyn, Queens, Long Island, Westchester and Bronx Counties.