Car Accidents Involving Uninsured MotoristsAugust 28, 2018
Getting into a car accident is stressful and aggravating, even when both motorists involved have insurance and follow all the recommended steps that people should take after an accident. However, when one of the drivers does not have automobile insurance, this can make the situation a bit more complicated, particularly if the driver who caused the accident is the individual who is uninsured.
If this happens, you may be concerned about the compensation you are eligible to receive. An experienced car accident lawyer can review your insurance policy and explain the coverage that you can expect to receive.
In order to protect drivers from motorists who do not have auto insurance, Maryland state law requires drivers to have a type of insurance called Underinsured Motorist (UM) Coverage. According to the Maryland Insurance Administration, UM coverage protects drivers in the event that they are involved in a car accident with a driver who has no car insurance.
UM insurance will cover damages to the vehicle, as well as medical expenses, lost wages, and pain and suffering. This also applies if the uninsured driver leaves the scene of the accident before he or she can be identified.
Your Insurance Covers You…To an Extent
If you are hit by a car, and the other driver does not have insurance, your insurance will pay for the damages that the at-fault driver’s insurance would have paid for, if that person had insurance. However, your insurance policy will only cover the amount of damages that your policy carries.
For example, if you are killed in a truck accident involving a driver who is uninsured, and you only have a minimum amount of UM coverage, your surviving spouse will only receive $30,000 from the insurance company. Considering the lost income, funeral expenses, and general living expenses, that amount of money does not go very far.
A car accident lawyer can walk you through every step of the claims process and help you understand the details of your policy. In addition, they can explain some of the unique laws that apply to Maryland motorists.
For example, the law states that your insurance company is required to lower your deductible to $250 if you are hit by a driver with no insurance. This can save you thousands of dollars, if your deductible is normally $5,000. Unfortunately, insurance companies are not always up front about this obligation, and most consumers are unaware of this law.
Understanding traffic laws, insurance policies, and the complex legal issues that go with them can be extremely confusing and overwhelming to the average person, which is why consulting a Baltimore car accident lawyer is highly recommended.
Baltimore Car Accident Lawyers at LeViness, Tolzman & Hamilton Secure Maximum Benefits for Accident Victims
If you or a loved one have been injured in an accident involving an uninsured motorist, it is in your best interest to contact the Baltimore car accident lawyers at LeViness, Tolzman & Hamilton. We will seek the maximum financial compensation you deserve after we have thoroughly reviewed your insurance policy. Protecting your rights is our top priority and we will not stop fighting for you until you are fully satisfied. To schedule a free consultation, call us today at 800-547-4LAW (4529) or contact us online.
Our offices are located in Baltimore, Columbia, Glen Burnie, and Towson, allowing us to represent car accident victims in Maryland, including those in Anne Arundel County, Baltimore County, Carroll County, Harford County, Howard County, Montgomery County, Maryland’s Western Counties, Prince George’s County, Queen Anne’s County, Southern Maryland, and the Eastern Shore, as well as the communities of Catonsville, Essex, Halethorpe, Middle River, Rosedale, Gwynn Oak, Brooklandville, Dundalk, Pikesville, Nottingham, Windsor Mill, Lutherville, Timonium, Sparrows Point, Ridgewood, and Elkridge.