The Law Office of Harold S. LinkMore than thirty-five years in Maryland’s courts

Auto accidents & personal injury

Claims arising from motor vehicle collisions and other injuries, including uninsured and underinsured motorist (UM/UIM) claims against your own insurer. Before practicing law, Mr. Link spent fifteen years in the claims departments of five insurance companies, about half of that time on the home office staff of two of them. He knows how insurers evaluate and handle claims from the inside.

Workers’ compensation

Claims and hearings before the Maryland Workers’ Compensation Commission for injuries suffered on the job.

Insurance & subrogation

Recovery actions and court appearances for insurers and their insureds after a covered loss.

Estates & probate

Estate administration, personal representative guidance, and creditor claims against an estate in the Orphans’ Court.

Family law

Divorce, marital settlement agreements, and child custody matters in the Circuit Court.

Criminal, traffic & probation matters

Representation in criminal and traffic cases, including DUI and DWI, and in violation of probation (VOP) hearings, in both the District Court and the Circuit Court.

Civil litigation

Contract, property, and consumer disputes, collection matters, detinue actions for the return of property, and judgment enforcement.

An injury claim moves in stages, and some of them are quiet. Knowing the order ahead of time makes the wait easier to understand.

1. Get medical care and report the claim

   See a doctor promptly and tell them about every symptom. Maryland auto policies include Personal Injury Protection (PIP) unless it was waived. PIP pays medical bills and lost wages up to your policy limit no matter who caused the accident, so it can help while the rest of the claim is pending.

   If the other driver had no insurance, left the scene and was never identified, or carries too little coverage to pay for your injuries, your own policy’s uninsured/underinsured motorist (UM/UIM) coverage may make up the difference. Every Maryland auto policy includes at least the minimum uninsured motorist coverage required by law. Policies issued or renewed since July 1, 2024 also include enhanced underinsured motorist coverage, which matches your liability limits, unless you waived it in writing. Notify your own insurer promptly so that claim is protected.

2. Your car is a separate claim

   Vehicle damage is handled on its own track and can usually be resolved well before the injury claim. If the car is a total loss, the insurer owes its actual cash value. If you owe more on the loan than the car is worth, check your loan papers for GAP coverage, which may pay the difference.

3. While you are treating

   Follow your doctor’s plan, keep your appointments, and save every bill and receipt. The injury claim cannot be valued until your treatment is finished, because no one knows the full extent of the injury until then. This stage can last months. A quiet stretch does not mean nothing is happening.

4. When treatment ends

   The office gathers your medical records and bills, documents lost wages, and presents a demand to the insurance company. Negotiation starts from there.

5. Settlement or suit

   A settlement is final. Once you sign a release, the claim cannot be reopened, even if an MRI or a later diagnosis shows the injury was worse than anyone knew. That is why settling before treatment ends usually costs the injured person money. If the insurer will not pay a fair amount, the case can be filed in court. In Maryland, most injury suits must be filed within three years of the accident.

• The Eastern ShoreCecil, Kent, Queen Anne’s, Talbot, Caroline, Dorchester, Wicomico, Somerset, and Worcester Counties
• The Western ShoreBaltimore City, and Baltimore, Harford, and Anne Arundel Counties

The office appears in the District Court and the Circuit Courts in each of these jurisdictions. Call to ask whether your case is one the office can take.