By law, all car owners in the state of Maryland must carry a minimum of $30,000/$60,000 in bodily injury liability insurance and $30,000/$60,000 of uninsured/underinsured bodily injury coverage. Vehicle owners must also purchase a minimum of $15,000 in property damage coverage as well $15,000 in uninsured/underinsured coverage. Uninsured/underinsured motorist coverage can protect you if you are injured by an at fault driver who is uninsured or underinsured.
Not Everyone Follows Insurance Laws
It’s dangerous to assume that all other drivers have sufficient coverage. In truth, a significant number of Maryland drivers either have no insurance or an inadequate amount of coverage. According to the Insurance Research Council, 12.6 % of all drivers nationwide in the year 2012 had no insurance. In Maryland that same year, 12.2 % of all drivers were behind the wheel with no insurance.
When in an accident, you have the opportunity to hold the at-fault driver accountable for medical bills and related losses. If, however, that driver does not have insurance, it could prove difficult to get the support you need. When you are unable to file a claim with the at-fault driver’s insurance company, you may want to file a claim with your own insurance provider or file a civil lawsuit in court against the driver responsible for your injuries and your own insurance company for uninsured or underinsured coverage.
Filing With Your Own Insurance
Dealing with your own insurance provider is not as easy as it sounds. You have to prove the other driver was responsible for the crash, and that they do not have insurance. You will also need to prove that you were not at fault for any of your injuries or damages. Documentation of the losses you have suffered needs to be provided. Request a copy of the police report, keep records of medical bills, and document lost wages and other related damages.
Civil litigation is not ideal for every injury accident. But, it could be your best option if you want financial compensation for losses – such as pain and suffering, time away from work, and future medical bills. Be careful before filing a claim or accepting a settlement offer. Make sure you explore all of your legal rights and options by scheduling a consultation with an experienced Maryland personal injury attorney. If you have been injured by an uninsured or under insured driver, contact the experienced Maryland car accident attorneys at Alpert Schreyer, LLC for a no cost case evaluation today.