Bad Faith Insurance Lawyer Anne Arundel County, MD

When an insurance company fails to honor its obligations, policyholders in Anne Arundel County, Maryland, may have a claim for bad faith. Bad faith insurance law holds insurers accountable when they unreasonably deny, delay, or underpay a valid claim. Law Offices Of SRIS, P.C. represents individuals and businesses in bad faith actions against insurers, including claims involving auto, homeowners, commercial, and disability policies. Maryland’s contributory negligence rule—one of the strictest in the nation—means that even 1% of fault on the part of the injured party can bar recovery entirely. This makes experienced legal guidance essential from the start of any insurance dispute. Insurance disputes can arise after car accidents, property damage, or denial of health or disability benefits. In Maryland, an insurer owes a duty of good faith and fair dealing to its policyholders. When that duty is breached, the insured may recover damages beyond the policy limits, including consequential damages and, in egregious cases, punitive damages. The attorneys at Law Offices Of SRIS, P.C. understand the tactics insurers use to minimize payouts and work to hold them accountable. The firm’s lawyers appear in the District Court of Maryland for Anne Arundel County and the Anne Arundel County Circuit Court on behalf of clients throughout communities such as Annapolis, Glen Burnie, Severna Park, Crofton, and Odenton. If your insurance company has acted unreasonably, reach Law Offices Of SRIS, P.C. at (888) 437-7747 to schedule a consultation. Law Offices Of SRIS, P.C. – Advocacy Without Borders.

What Bad Faith Insurance Means in Anne Arundel County

Bad faith insurance claims in Anne Arundel County are civil actions governed by Maryland common law and the Maryland Insurance Article. These claims arise when an insurer breaches its duty to act in good faith and deal fairly with its insured. Common examples include unreasonable claim denial, failure to conduct a reasonable investigation, undue delay in payment, or offering an unreasonably low settlement. In Maryland, a first-party bad faith claim allows the insured to seek compensation for economic losses, emotional distress, and, when the insurer’s conduct is particularly egregious, punitive damages.

In Anne Arundel County, a bad faith lawsuit may be filed in the District Court of Maryland if the amount in controversy does not exceed . For claims exceeding , the case must be brought in the Anne Arundel County Circuit Court. The court address is 251 Rowe Boulevard, Annapolis, MD 21401. The Honorable Shaem C. P. Spencer serves as Administrative Judge for the District Court. Our attorneys are familiar with the local court procedures and work with insurance coverage attorneys, claims professionals, and forensic accountants to develop evidence that the insurer acted unreasonably. The firm’s Rockville location serves clients throughout the county, and we are prepared to meet by appointment.

How Mr. Sris and the Firm’s Of Counsel Attorneys Handle Bad Faith Insurance Cases

When a policyholder believes an insurer has acted in bad faith, the first step is a thorough review of the policy language, the claim history, and the insurer’s communications. Mr. Sris and the firm’s Of Counsel attorneys evaluate whether the insurer had a reasonable basis for its decision. They work with the client to gather documentation, identify expert witnesses, and develop a legal strategy that demonstrates the insurer’s lack of good faith. The legal team examines the insurer’s claims-handling practices, correspondence, and internal guidelines to build a record of unreasonable conduct.

If the insurer refuses to settle, the firm is prepared to litigate in Anne Arundel County courts. Through discovery, depositions, and motion practice, the attorneys build a case that highlights the insurer’s breach of its duty. While many cases resolve through negotiation, the firm has the trial experience to take a case to verdict when necessary. The goal is to recover the benefits owed under the policy, along with any additional damages allowed under Maryland law. Throughout the process, the team communicates regularly with clients and provides clear guidance on the strengths and risks of each legal option.

About Mr. Sris and the Firm’s Of Counsel Attorneys

Mr. Sris, Owner and Founder of Law Offices Of SRIS, P.C., has practiced law since 1997. He brings a former prosecutor’s perspective to civil litigation, including insurance bad faith disputes. Mr. Sris is admitted in Virginia, Maryland, the District of Columbia, New Jersey, and New York. He testified before the Virginia House Courts of Justice Committee in support of 2019 HB 635 (chief patron Del. David Bulova), demonstrating his commitment to legal reform and the communities his firm serves.

Mr. Sris and the firm’s Of Counsel attorneys bring extensive combined legal experience. Results may vary. The firm’s Of Counsel attorneys have backgrounds in litigation, negotiation, and insurance law, allowing the firm to approach bad faith claims from multiple angles. Each matter receives careful attention, and the team works collaboratively to achieve favorable outcomes for clients in Anne Arundel County and throughout Maryland.

Frequently Asked Questions

What is the statute of limitations for bad faith insurance claims in Maryland?

A bad faith insurance claim in Maryland is generally subject to a three-year statute of limitations. The precise limitations period may depend on whether the claim is framed as a tort or a contract action; Because deadlines may vary and can be strictly enforced, it is important to consult an attorney as soon as possible after an insurer’s wrongful conduct. Missing the deadline can bar the claim entirely.

How does Maryland’s contributory negligence rule affect an insurance claim?

Maryland follows the contributory negligence doctrine, meaning that if a plaintiff is found even 1% at fault for the underlying loss, the plaintiff recovers nothing. In an insurance dispute, the insurer may argue that the policyholder contributed to the loss. An experienced bad faith attorney can help counter such arguments and advocate for full compensation under the policy. This strict rule underscores the importance of building a strong case from the start.

What should I do if my insurance company denies my claim in Anne Arundel County?

Document all communications, keep a copy of the denial letter, and do not discard any evidence. Contact an experienced attorney who can evaluate whether the denial was unreasonable. Law Offices Of SRIS, P.C. offers consultations for individuals in Anne Arundel County at (888) 437-7747. An attorney can review the policy and advise whether you have grounds for a bad faith action. Acting quickly helps preserve your rights.

Can I recover punitive damages in a Maryland bad faith insurance case?

Yes, Maryland law permits the recovery of punitive damages in bad faith insurance cases where the insurer’s conduct demonstrates actual malice or a reckless indifference to the rights of the insured. Punitive damages are intended to punish the insurer and deter similar conduct. However, they are awarded only in egregious cases and require clear and convincing evidence. A knowledgeable attorney can assess the viability of a punitive damages claim based on the specific facts of your situation.

How long does a bad faith insurance case take in Anne Arundel County?

The timeline for a bad faith insurance case varies significantly based on factors such as the complexity of the claim, the insurer’s willingness to negotiate, and the court’s docket. Some cases settle before litigation; others may proceed through discovery and trial, which can take many months. An attorney can provide a more tailored estimate after reviewing the specifics of your circumstances. Patience and thorough preparation often lead to better outcomes.

Also serving: Montgomery County, Prince George’s County, Howard County, Frederick County, Baltimore County.

Maryland statutory resources: District Court of MD for Anne Arundel County.

Attorney advertising. Prior results do not guarantee a similar outcome. Case results depend on a variety of factors unique to each case. Results may vary.