In the event of an accident caused by a driver with insufficient or no insurance coverage in Maryland, it is important to understand your options and the challenges that may arise.
Without adequate insurance, recovering your losses can be a daunting task.
Uninsured motorist coverage
Maryland law mandates that all drivers have insurance coverage, but not everyone complies. If you sustain injuries by an uninsured driver, your first recourse may be your own insurance policy’s uninsured motorist coverage. This coverage helps protect you if involved in an accident with an uninsured driver. It can help cover medical expenses and property damage.
Underinsured motorist coverage
Even if the at-fault driver has insurance, their coverage may be insufficient to fully compensate you for your losses. In such cases, your underinsured motorist coverage comes into play. It can help bridge the gap between the at-fault driver’s policy limits and your actual expenses.
Reporting the accident
Following an accident with an uninsured or underinsured driver, promptly report the incident to your insurance company. Timely reporting is necessary to initiate the claims process. Provide all necessary information, including police reports and any evidence that can support your claim.
Determining fault
To maximize your chances of recovering compensation, it is important to establish the other driver’s fault. This means gathering evidence, such as witness statements, photographs and police reports, to demonstrate that the uninsured or underinsured driver was responsible for the accident.
In 2022, 40,707 people in Maryland sustained injuries in motor vehicle accidents. When those injuries happen due to an underinsured or uninsured driver, it can be extra challenging. Regardless, an injured person still has the right to fair compensation.
