Auto Insurance, UM/UIM, Bad Faith, and Liens in Maryland

Agenda / Content Covered

1. Auto Insurance Policies: Interpretation, Issues, and Hidden Treasures
   1:00 — 2:00, Dennis O'Brien
   1. Auto Liability Coverage, PIP, MedPay
   2. Commercial Auto Insurance
   3. Insurance Coverage in Ridesharing Accidents
   4. Claims Handling Insights
2. Uninsured/Underinsured Motorist Coverage, Claims, and Litigation
   2:00 — 2:45, Dennis O'Brien
   1. Was the Policy in Effect? Who is Insured? What Vehicles are Insured?
   2. Covered Events and Exclusions
   3. Duties and Coverage Conditions
   4. Limits and Stacking
   5. Valuing the Claim - Does it Exceed Policy Limits?
   6. Offsets/Setoffs
   7. Notice of Claim
   8. Settlements and Releases
   9. Coverage Disputes and Litigation
3. Bad Faith
   3:00 — 3:45, Steven Vinick
   1. Definition and Examples of Bad Faith
   2. When Can a Bad Faith Claim be Brought?
   3. First-Party Bad Faith vs. Third-Party Direct Actions
   4. Types of Bad Faith Claims in Auto Insurance Context
   5. Settlement Considerations
4. Liens and Subrogation: ERISA, Medicare, Medicaid, and More
   3:45 — 4:15, Steven Vinick
   1. Investigation and Communication
   2. Negotiations and Reduction
   3. Addressing Pending Liens in Settlement Negotiations
   4. Hospital/Medical Provider Liens
   5. ERISA Subrogation Liens
   6. Mandatory Insurer Reporting, Medicare Recovery Act, and Medicare Set-Asides
   7. Medicaid Liens
   8. Workers' Comp Liens

Accreditation Details:

Dennis F O'Brien is a sole proprietor at the law office of Dennis F. O'Brien, P.A., where his full-time civil litigation practice focuses on serious personal injury, product liability, including drug and medical devices, medical malpractice, nursing home negligence, appellate work and general civil litigation. Mr. O'Brien is a member of the Maryland State, Harford County, Baltimore County and Baltimore City bar associations, the American Association for Justice, and is admitted to the U.S. District Court, District of Maryland, U.S. Court of Appeals Fourth Circuit, and the U.S. Supreme Court. Mr. O'Brien is the co-author and author of a variety of articles and is currently working on a book, "Accident Reconstruction for Lawyers," to be nationally published by the National Institute for Trial Advocacy (NITA). He earned his B.S. degree from the University of Maryland Baltimore County, and his J.D. degree, cum laude, from the Baltimore School of Law.

Steven B Vinick is of counsel with the law firm of Stein Sperling Bennett De Jong Driscoll, P.C., and practices in the areas of personal injury law, medical malpractice, criminal defense, and general civil litigation. He is licensed to practice law in Maryland, Washington, D.C., and Virginia. He is the treasurer of the Montgomery County Bar Association and a member of the Executive Committee of the Prince George’s County Bar Association. He is also a member of the Maryland State Bar Association, the D.C. Trial Lawyers Association, and the Maryland Association of Justice. Mr. Vinick was the Maryland Association of Justice Trial Lawyer of the Year for 2011. He earned his B.A. degree, Phi Beta Kappa and magna cum laude, from the University of Maryland, and his J.D. degree, cum laude, from the University of Baltimore School of Law.