Maryland Car Accidents With Uninsured Motorists: How to Protect Your Rights To Compensation

Being involved in a car accident in Maryland is stressful enough, but finding out the other driver doesn’t have insurance makes a bad situation even worse.

Unfortunately, uninsured and underinsured drivers are a growing problem throughout the state, and when a crash happens, it can leave victims paying heavy out-of-pocket costs. Our experienced Maryland uninsured driver accident attorneys explain your options in filing a claim and how to protect your rights to compensation.

Uninsured Motorist Coverage Can Help In Maryland Uninsured Driver Car Accidents

The Insurance Information Institute (III) reports that nearly 20 percent of all drivers in the state are uninsured. Common reasons include the high cost of premiums, mistakenly allowing a policy to lapse, or being unable to get insurance due to DUIs.

To protect drivers, Maryland requires a mandatory minimum amount of uninsured/underinsured motorist (UM/UIM) coverage. The Maryland Insurance Administration advises that this includes a minimum of $30,000 for bodily injury per person, with $60,000 maximum per accident and $15,000 for property damage.

Here’s what UM/UIM coverage can help pay for in the event of a crash:

• Medical expenses;
• Lost wages.
• Vehicle repair or replacement costs;
• Pain and suffering, depending on policy terms.
• Funeral costs, in the event of a fatal crash.

Unfortunately, as even a relatively minor crash can cause damages that quickly reach six figures, UM/UIM coverage may not be enough to cover all costs.

Protecting Yourself Against Car Accidents In Maryland Caused By Uninsured Drivers

However, if your coverage fails to cover the cost of an uninsured driver accident in Maryland and the other party is at fault, you may be able to get additional compensation by filing a car accident lawsuit against them. To protect yourself and your rights in an injury claim, follow these steps:

• Notify the police immediately and ensure accident reports note the driver’s lack of coverage.
• Get the driver’s contact, vehicle registration, and license plate information.
• Gather evidence at the scene, including photos of the crash site, your injuries, and damage to both vehicles.
• Seek medical care, avoid downplaying your symptoms, and keep copies of all bills and records.
• Notify your insurer quickly, as UM/UIM claims have strict deadlines.
• Get legal help before signing documents, making recorded statements, or accepting settlement offers.

Our experienced Maryland uninsured driver accident attorneys can evaluate your coverage, negotiate with your insurer, and pursue all possible avenues for recovery.

To Get The Compensation You Need To Recover, Talk to An Experienced Maryland Uninsured Driver Accident Attorney

At Berman Sobin Gross LLP, we help Maryland crash victims recover the compensation they deserve, even when the at-fault driver lacks insurance coverage. We fight to get you the maximum insurance settlement and will not hesitate to go to court to ensure you receive the total amount you need to recover.

To learn how we can help you get back on your feet, give us a call or reach out online and request a consultation with our experienced Maryland uninsured driver accident attorneys.

Sources:

iii.org/fact-statistic/facts-statistics-uninsured-motorists

insurance.maryland.gov/consumer/documents/publications/autoinsuranceguide.pdf