Uninsured and Underinsured Motorists
Maryland Car Accident Attorneys
The state of Maryland requires motorists to carry a minimum amount of car insurance, but unfortunately, many drivers ignore this rule – either purchasing inadequate insurance, or no coverage at all. Their negligence puts other motorists in a difficult predicament when a car accident occurs, since the uninsured/underinsured driver does not have the ability to cover the full extent of the victim’s losses.
Protecting Yourself from Uninsured and Underinsured Drivers
As a form of protection from this type of insurance dilemma, Maryland drivers can purchase uninsured/underinsured motorist coverage. Carrying this extra coverage will probably cause your car insurance premium to rise, but it can be invaluable if you are ever injured in a car accident where the other driver cannot adequately cover your damages.
Minimum Liability Coverage in Maryland
Each state has its own regulations dictating the lowest amount of liability coverage a driver must carry. In Maryland, you are required to purchase a minimum liability coverage amount of:
- $60,000 per accident
- $30,000 per person
- $15,000 for property damage
If your losses in a car accident exceed the amount the other driver is insured for, you will be grateful you paid the extra money for uninsured/underinsured motorist protection. UM/UIM protection will allow you to file a claim to make up the monetary difference between what the driver can cover, and Maryland’s minimum liability amount.
However, even if you do have this type of insurance, the insurance company might still refuse to compensate you based on questions about who was responsible for the accident, and other factors.
How Our Maryland Car Accident Lawyers Can Help
When a problem like this comes up, it is important to speak with a Maryland car accident attorney who has experience handling car accidents that involve uninsured/underinsured motorists. The claims process for these cases can quickly become complicated. Having an advocate on your side who thoroughly understands the legal technicalities of your specific case can make all the difference when it comes to the success of your car accident claim.
Over the years, our Maryland car accident attorneys have handled a wide variety of cases involving uninsured/underinsured drivers. We know the obstacles you are facing as an accident victim, and we can help you effectively fight for the compensation you deserve.
Before you consider a settlement from an insurance company, make sure you know the true value of your personal injury claim. Please contact our Maryland car accident lawyers today for a free case evaluation. Chaikin, Sherman, Cammarata & Siegel, P.C. represents car accident victims throughout Maryland, Virginia, and Washington D.C.
