Dundalk Uninsured Driver Accident Lawyers

Getting into a car accident is stressful enough, but discovering the at-fault driver has no insurance can make the situation seem impossible to deal with. However, if you were injured in a crash caused by an uninsured or underinsured driver, you may still have avenues for recovering compensation. At Maryland Injury Lawyers, we help people in your situation navigate the legal system and fight for the financial recovery they deserve. Contact our Dundak uninsured driver accident lawyers to learn about your options and how we can help.

The Risks of Getting Hit by an Uninsured Driver in Dundalk

Despite a Maryland law requiring all drivers to carry minimum auto insurance coverage, uninsured and underinsured motorists are more common than many realize. Over 15% of Maryland motorists don’t carry liability insurance – that’s about one in every eight cars on the road right now. In Dundalk, where many residents rely on busy roads like Merritt Boulevard, Dundalk Avenue, and North Point Boulevard for daily travel, the risk of encountering a driver without adequate insurance is real.

When a negligent driver causes an accident but lacks sufficient coverage to pay for your injuries, you can find yourself facing unexpected medical bills, lost income, and emotional distress. That’s where your own insurance policy—and a skilled lawyer—can make a difference. Maryland law requires insurance policies to include Uninsured/Underinsured Motorist (UM/UIM) coverage, which can protect you if the at-fault driver doesn’t have insurance or has too little to cover your damages. If you follow the law and carry liability insurance, then you have UM/UIM as well. This coverage can help pay for all of your legal damages after a crash with an uninsured driver, including medical expenses, lost wages, pain and suffering, permanent disability, property damage, and more.

However, filing a UM/UIM claim isn’t always straightforward. Insurance companies—even your own—may challenge the severity of your injuries, question your need for treatment, or otherwise attempt to minimize your payout. They might also try to blame you for contributing to the accident in some way, which can utterly defeat your claim. As the Maryland Insurance Administration puts it, “Uninsured Motorist coverage only applies if the other driver is found to be 100% at fault. If you contributed to the accident in any way, you cannot collect payment under Uninsured Motorist coverage.”

An experienced lawyer can be instrumental in protecting your rights and maximizing your recovery.

How Maryland Injury Lawyers Can Help

At Maryland Injury Lawyers, we have extensive experience helping accident victims secure compensation through uninsured motorist claims. When you hire our firm, we will review your insurance policy and determine the extent of your UM/UIM coverage. We’ll investigate the crash to prove the uninsured driver was at fault, gathering medical records, wage loss documentation, and other evidence of your damages. Our team communicates directly with the insurance company on your behalf. When the time is right, we’ll negotiate for a fair settlement or take your case to court if necessary to get the results you need.

We understand the frustration of dealing with insurance claims after an accident. Our goal is to make the process as smooth and stress-free as possible while ensuring you receive every dollar you’re entitled to.

Steps to Take After a Crash With an Uninsured Driver in Dundalk

If you’re involved in an accident with an uninsured or underinsured driver in Dundalk, taking the right steps early can help strengthen your claim. Here are some things you can do:

1. Call the police – A police report is required by law and often essential to your claim, especially when the other driver lacks insurance.
2. Seek medical attention – Even if your injuries seem minor, get checked out. Medical documentation is crucial for your claim, and you don’t want to let any latent injuries go undiagnosed.
3. Gather information – If you are physically able at the time, take photos of the vehicles, the accident scene, and any visible injuries. Get names and contact info for any witnesses.
4. Speak with a lawyer – Before giving a detailed statement to the insurance company or accepting any offer from them, consult a lawyer to protect your rights.
5. Notify your insurance company – Let them know you intend to file a UM/UIM claim. If you already have a lawyer, we can handle this step for you if preferable.

Why Choose Maryland Injury Lawyers?

When you choose Maryland Injury Lawyers, you are choosing a law firm with decades of local experience. We’ve handled countless accident cases in Dundalk and throughout Baltimore County and the surrounding areas. In addition, our commitment to giving our clients personal attention sets us apart from many other law firms. We treat your case like it matters—because it does.

With us, there are no upfront costs, and we handle uninsured driver cases on a contingency fee basis. You don’t pay unless we win. We know how insurance companies operate, and we’re not afraid to push back when they try to avoid responsibility.

Don’t Wait—Time Limits Apply

Like other personal injury cases in Maryland, claims involving uninsured drivers are subject to strict statutes of limitations. You typically have three years from the date of the crash to file a lawsuit, which may be necessary to get the results you need. Waiting too long could make your case more difficult to resolve and could even result in the loss of your legal right to recover damages. Let Maryland Injury Lawyers act quickly to preserve evidence, file necessary paperwork, and build a strong case on your behalf.

Contact a Dundalk Uninsured Driver Accident Lawyer Today

Being hit by an uninsured driver doesn’t mean you have to bear the financial burden alone. At Maryland Injury Lawyers, we help clients in Dundalk recover compensation through their own insurance when the at-fault driver can’t pay. If you were hurt in a crash and don’t know where to turn, we’re here to help.

Call us today for a free consultation. We’ll review your policy, explain your options, and fight to secure the compensation you need to move forward.