The concept of insurance has existed for hundreds of years. When the auto industry kicked into gear, specific policies were generated for car owners. Auto insurance serves a dual purpose: It protects the car owner and anyone the car owner might get into an accident with. That is why, in 1972, Maryland made it mandatory for drivers to carry insurance.

When a worker suffers an injury on the job, the focus often centers on the initial harm.

However, workplace injuries can lead to complications or additional injuries, known as secondary injuries. Understanding whether workers’ compensation in Maryland covers these secondary injuries is crucial for anyone navigating the claims process.

There were more than 110,000 reported car accidents in Maryland in 2022, with about 28,000 of these resulting in physical injuries to drivers or passengers, and more than 500 fatalities according to reports by the Maryland Department of Transportation.

When you think of car accidents, it’s easy to just assume that the drivers involved are the ones responsible for the accident, right?  After all, they’re the ones behind the wheel, making decisions, and controlling the vehicle.

But what about passengers? Can a passenger be liable for a car accident in Maryland?

While it’s not common, there are certainly circumstances when one or more passengers could bear some responsibility for a crash. Let’s take a close look at this issue, and examine when and how passengers might be held accountable in Maryland.

When you enter a store, you expect it to be safe. You might not like what the store is selling, but you shouldn’t be harmed when shopping.

The same holds true if you go into a restaurant, bar, nightclub, or any other public gathering space. The property owner is responsible for creating a safe environment for their customers.

In 2022, just 45% of fatally injured passenger vehicle occupants were using seat belts at the time of their accident, according to reports by the Insurance Institute for Highway Safety.

Seat belts save lives. That’s not just a popular saying; it’s a fact. In Maryland, seat belt laws are in place and enforced to help ensure the safety of drivers and passengers on our roads. Regardless of whether you’re new to the state or a longtime resident, knowing and understanding these laws can be crucial for your safety in a car accident, as well as to avoid tickets, fines, or other legal consequences.

Here in the Old Line State, we have some of the strictest seat belt laws in the country, and compliance isn’t just encouraged—it’s required.

Making the decision to file for bankruptcy can be difficult for anyone. But when you have a business, you want to make sure that your personal financial issues do not interfere with its operation. Sometimes, these owners may forgo filing bankruptcy to protect the ownership of the business. 

So, can I keep my business while filing for personal bankruptcy?

At Belsky & Horowitz, LLC, we want to provide as much information as possible to help you make the right decision for your situation. Let’s examine how personal bankruptcy affects business ownership. 

You spend a lifetime building up your retirement accounts and savings. When you file for bankruptcy, could they be in jeopardy? What happens to retirement accounts during bankruptcy? In most cases, these accounts can receive some type of protection from creditors.

At Belsky & Horowitz, LLC, we know that you want to protect your financial future. Let’s look at how retirement accounts are treated in bankruptcy.

When you have medical debts, that can put you into some serious financial trouble. When those bills start piling up, bankruptcy might be an option when you can’t find a way to pay off these debts. But can medical debt be discharged during a bankruptcy in Maryland?

Unfortunately, medical debt can burden you financially, but there are options to help alleviate some of those struggles. At Belsky & Horowitz, LLC, we understand that any type of debt can lead to stressful situations for you and your family.

Let’s discover whether you can find a way to help remove the burden of medical debt.

If you are drowning in debt, then you have a few options on the table, including bankruptcy. This process allows you to get relief from those overwhelming financial burdens. However, filing for bankruptcy does come at a cost. Your credit score will likely suffer as a result of this action.

At Belsky & Horowitz, LLC, we know that this can be a difficult decision, but it is not the end of the road for your credit. With the proper steps, you can file for bankruptcy and take steps to repair your credit. How does bankruptcy affect your credit score? Let’s look at these issues.

Maryland’s workers’ compensation program has been providing benefits for workers who were injured on the job since 1902. According to the Maryland Workers’ Compensation Commission, 21,842 workers’ comp claims were filed in 2021. That represents thousands of dollars in benefits being dispersed to workers in need. However, those benefits aren’t always provided until the insurance carrier conducts a thorough investigation. That is where the issue of how employee surveillance can impact a workers’ compensation claim.