An automobile accident with an uninsured driver leaves many Maryland victims panicked. Can you still pursue compensation when a driver is uninsured? Our Silver Spring car accident lawyers detail what you need to know about filing a claim for damages caused by an uninsured motorist. Request a free, no obligation consultation with our trusted attorneys today.
Uninsured Motorist Coverage in Maryland
All Maryland automobile insurance policies are required to include uninsured motorist coverage, unless you waive this requirement when you purchase the policy. Uninsured motorist coverage must be equal to the amount of liability coverage, so the minimum amount of coverage includes:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
- $15,000 per person for property damage
If the at-fault party in your accident has no coverage or not enough insurance coverage for your damages, you may be able to file a claim against your uninsured motorist coverage. You, as the victim, must prove the uninsured/underinsured motorist was at fault for the accident.
When Can I Use Uninsured Motorist Coverage?
Maryland drivers may use their own uninsured motorist coverage if they, their family members, passengers and permitted users of the insured vehicle are involved in an accident with:
- An uninsured motorist
- An underinsured motorist whose liability insurance limits are not enough to cover the total damages suffered
- An accident where the driver cannot be identified, such as a hit-and-run accident
Will I Receive Less Compensation Than Other Types of Claims?
You may not be able to recover as much compensation as you would if you were in an accident with a driver who had higher insurance limits than the limits in your policy. This does not mean your claim is worth less. It is just that you cannot recover more than the insurance limits.
Reporting Uninsured Drivers
If you were injured in an accident with an uninsured/underinsured driver, you can file a complaint with the Insurance Compliance Division (ICD) of the Maryland Department of Transportation Motor Vehicle Administration (MVA), Glen Burnie office. You may prepare a letter or submit an Uninsured Motorist Complaint Form. The MVA will acknowledge your complaint and inform you if the administration will take action against the uninsured driver. If the uninsured motorist cannot provide proof of insurance, the MVA can suspend vehicle registration privileges and take additional measures if necessary.
Contact an Attorney for Assistance
If you were injured in an accident caused by an uninsured driver, you may be eligible to pursue compensation for your medical bills, lost wages, and pain and suffering. Request a free, no obligation consultation with our car accident attorneys today and learn your legal rights. There are no upfront fees and you only pay us if we recover compensation for you.