All drivers or registered car owners in Maryland are required by law to have car insurance. But not everyone abides by that rule. So it is unfortunately not uncommon to be involved in accidents where the at-fault driver is uninsured—motorists who drive without insurance risk being fined or losing their driver’s license. Unfortunately, many uninsured motorists don’t get arrested until they cause an accident. If an uninsured driver injures you, you may be able to make a claim on uninsured or underinsured motorist coverage. Keep reading to learn more.
Uninsured Motorist Coverage in Maryland
Maryland drivers are required by law to purchase uninsured motorist coverage. Uninsured motorist coverage allows the victim to file a claim against their own insurance company when injured by an uninsured driver. Generally, this covers at least $30,000 in damages per person and a $60,000 cap per accident. In some cases, this is not enough for all expenses. For example, extended hospital stays, multiple surgeries, or at-home care can be expensive. In addition, a long-term injury can lead to lost wages and other financial burdens. This is especially true regarding car accidents, as your car will likely need repairs. To recover the compensation you deserve, you will need to work with an experienced and dedicated personal injury attorney.
Filing a Claim Against an Uninsured Motorist
After an accident involving an uninsured driver, you must notify your insurance provider. Your insurance company will assign a claims adjuster to investigate the accident. The claims adjuster also determines the value of your damages. Before filing an uninsured motorist claim, consider the following:
- You must prove the other driver caused the crash. The insurance company might dispute liability.
- The claims adjuster does not work for you. Instead, they work to limit the insurance company’s liability.
- An insurance adjuster may accuse you of exaggerating the extent of the damages.
- Your insurance company may claim you did not report the claim promptly or seek medical treatment.
- The insurance adjuster might try to blame you for the accident to avoid paying the claim.
It is easy to assume you will receive a fair settlement when dealing with your insurance company. However, your claim is handled by the claims department, not your insurance agent. Therefore, the insurance company will try to protect its own interests. For that reason, it is helpful to talk with a car accident attorney in Maryland for advice on building your case.
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.