Car accidents can be frightening due to the risk of severe injuries and fatality. However, it can get worse if one of the drivers is uninsured. However, there are insurance policies that cover this issue with uninsured motorist coverage. Maryland requires that every vehicle owner carry a minimum of $30,000 of uninsured motorist coverage. While the state requires this protection, carrying more than just the required minimums is always a good idea. If you were in a car accident and the negligent party doesn’t have adequate insurance coverage for your losses, it is recommended to hire a car accident lawyer.
What is an Uninsured Motorist?
Although Maryland law requires motorists to have insurance, many people disobey this rule. Therefore, Maryland has a law that protects drivers from others who don’t have insurance. The law requires drivers to take out uninsured motorist (UM) insurance policies to protect themselves. Maryland defines an uninsured motor vehicle as one in which the sum of the liability limits is less than the amount of uninsured motorist coverage required by the law. So, if the at-fault driver’s insurance is lower than your uninsured motorist insurance, the law views them as uninsured.
What Does Uninsured Motorist Insurance Cover?
Often, uninsured motorist coverage provides the same compensation as regular insurance policies. This means you can recover the same benefits you would have gotten if you filed a claim under the at-fault party’s insurance policy. Additionally, Maryland law requires drivers to carry uninsured motorist coverage for bodily injuries and property damage. Therefore, uninsured motorist coverage can cover:
- Costs of medical treatment
- Pain and suffering
- Property losses
- Lost wages
Why Should You Purchase Enhanced Insurance?
It is wise to purchase more than the minimum amount of insurance required by Maryland law. Yes, it costs more upfront, but the money you invest could prevent further significant financial loss in the event of an accident. Given the ever-increasing costs of medical care, the $30,000 minimum is a meager amount and may not cover all of your injuries and losses. If you do not have enough of your own uninsured driver coverage to cover the difference, then you will have to make up the rest.
Contacting an experienced Maryland car accident attorney is important in getting the compensation you deserve. A lawyer can advise you of the various options you have to get paid. Reach out to the Snyder Law Group today to learn more.
Contact The Snyder Law Group Today
The Snyder Law Group, LLC, proudly represents clients throughout Maryland and Washington, D.C. Our experienced Baltimore attorneys understand the frustration that comes with an insurance company, medical professional, or other party that refuses to accept liability for negligent or reckless behavior. You can take heart in knowing there are talented and experienced lawyers ready to work for you. We are experienced in handling personal injury claims of medical malpractice or injury resulting from serious car and truck accidents, and have secured hundreds of millions in verdicts and settlements. Please visit our website, www.410thefirm.com, or call us at 410-843-3476, for more information. Follow us on Facebook, Twitter, and LinkedIn.