An uninsured driver accident in Maryland doesn’t mean you don’t have options. Knowing what steps to take can help you protect your rights and avoid unnecessary financial strain.
Start with Your Own Insurance
Maryland law requires insurance companies to offer uninsured motorist (UM) coverage. This part of your policy kicks in if the other driver doesn’t have insurance or doesn’t have enough to cover your damages.
Uninsured motorist coverage can help pay for:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage (if your policy includes it)
Check your policy limits. In Maryland, the minimum required UM coverage is usually the same as your liability coverage. If you’ve been in an accident, contact your insurance company right away to start the claims process.
What If You Don’t Have UM Coverage?
If your policy doesn’t include uninsured motorist protection—or the damages exceed your limit—you may have other options, but they’re limited.
You could consider filing a lawsuit directly against the uninsured driver. But keep this in mind: many uninsured drivers don’t have assets or income that make a lawsuit worthwhile. Even if you win in court, collecting the money may be difficult or impossible.
This is one reason UM coverage is so important. It offers a safety net when the person responsible can’t pay.
What Happens If the Other Driver Leaves the Scene?
If the other driver flees the scene and can’t be found, you may still be eligible for uninsured motorist benefits. In this case, your insurance company treats it like an accident with an uninsured driver.
Be sure to file a police report as soon as possible. Also, notify your insurer promptly. They may ask for proof that a hit-and-run occurred and that you did everything you could to locate the driver.
Don’t Wait to Get Medical Care
Even if you’re unsure how everything will be paid for, don’t delay treatment. Your health should come first. Waiting too long to see a doctor can hurt both your recovery and your claim.
Save copies of all medical records, bills, and receipts. You’ll need this documentation when working with your insurance company or deciding to pursue legal action.
Should You Hire a Lawyer?
Dealing with uninsured driver claims can be tricky. Your insurance company may try to reduce the payout or deny your claim altogether. A lawyer can help by:
- Reviewing your coverage
- Gathering evidence to support your case
- Negotiating with your insurer
- Filing a lawsuit, if necessary
You don’t have to face this situation alone. Legal guidance can help ensure you’re treated fairly and get the compensation you need.
Protect Yourself Moving Forward
This kind of accident is a reminder to review your insurance policy. Make sure you have enough uninsured motorist coverage to protect yourself in the future. It’s one of the most important parts of an auto policy—and too often overlooked.
Were you involved in an accident involving an uninsured driver in Maryland? The state offers protections, especially through your own insurance. Acting quickly and understanding your rights makes all the difference.
If you’ve been in an accident and aren’t sure where to start, contact Shugarman & Mehring today. We can walk you through your options and help you confidently move forward.
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