What Happens If The Other Driver Doesn’t Have Insurance?
Even though it’s legally required in Maryland, some drivers have no auto insurance. Sometimes, they do have it, but not enough to cover the expenses incurred after a car accident.
So, what happens to car accident victims in these situations? Do they have to pay for everything on their own? Here’s what people in Baltimore need to know about uninsured and underinsured drivers, courtesy of Rafael Law, LLC, – an auto insurance attorney.
How Uninsured And Underinsured Motorist Coverage Works
All Maryland drivers are legally required to meet minimum uninsured motorist coverage limits. These include:
- $30,000 per person
- $60,000 for bodily injury per accident
- $15,000 for property damage per person
Drivers must have uninsured motorist coverage in addition to basic liability coverage.
Uninsured motorist coverage protects you when you get in an accident with a driver who doesn’t have insurance or who doesn’t have enough coverage. This coverage also kicks in when you’re hit by a car that flees the scene. Uninsured motorist coverage can help you make up for losses related to the following:
- Property damage
- Lost wages
- Medical expenses
- Pain and suffering
Since people only usually carry minimum levels of uninsured motorist coverage, the money they get from the insurance company might not be enough to cover their losses entirely. Seeking compensation through a personal injury claim could allow you to get more financial support for your recovery.
Injured By A Driver With No Auto Insurance? Help Is Available. Free Consults.
If you got hit by a driver who doesn’t have insurance or who has insurance but not enough, I can help. I have full knowledge of auto insurance laws in the state of Maryland and assisted many individuals with policy coverage, insurance disputes and more.
I can help you understand if and how uninsured motorist coverage is at play in your situation. And, if uninsured motorist coverage isn’t enough to cover your losses, I can help you explore further options. Call 410-204-5411 or send me a message to schedule a free consultation.