Gaithersburg Uninsured Driver Accident Lawyers

Getting hurt in a car accident is bad enough. Finding out the driver who caused it doesn’t have enough insurance or doesn’t have any at all can make a bad situation feel even worse. Despite the law requiring all drivers to carry liability insurance, too many still drive without it or let their coverage lapse. In Maryland, over 15% of drivers are uninsured. That means about one out of every six or seven drivers on the road right now is driving without insurance. Fortunately, if you’ve been hit by an uninsured or underinsured driver in Maryland, you still have options. At Maryland Injury Lawyers, we help injured people tap every available source of coverage and fight back when insurance companies try to avoid paying what you’re owed.

You did nothing wrong. You shouldn’t bear the cost alone. Contact our Gaithersburg uninsured driver accident lawyers for a free consultation and immediate help.

Why Uninsured Driver Claims Are Different

Most car accident claims are made directly against the other driver’s insurance company. But when the other driver doesn’t have valid insurance or only has the minimum coverage that barely touches your bills, you’ll likely need to turn to your own policy for help.

Maryland requires drivers to carry uninsured/underinsured motorist (UM/UIM) coverage for exactly this reason. This coverage is meant to pay your damages when you are injured by a driver without insurance. But that doesn’t mean your own insurance company will make it easy to collect. Suddenly, you’re on the opposite side of the table from your own insurer, the company you always assumed was on your side.

Our team knows how to handle these claims. We deal directly with your adjuster, push for a full payout, and if they drag their feet or offer less than you’re entitled to, we’re ready to fight for more.

How Do Uninsured and Underinsured Motorist Claims Work?

If the at-fault driver is uninsured or underinsured, your UM/UIM coverage may step in to pay for bodily injury damages. Your policy should therefore cover all medical bills and hospital expenses related to the injury, including ongoing rehabilitation or therapy costs. You should also be entitled to compensation for lost income, pain and suffering, and certain out-of-pocket losses tied to the crash. Property damage is covered with a $250 deductible set by Maryland law.

UM/UIM coverage is designed to make you “whole,” covering what the at-fault driver’s policy would have paid if they’d carried enough insurance. But don’t expect your own company to pay up without a fight. They’ll often argue over liability, the value of your claim, or whether your injuries were really caused by the crash. Critically, UM only pays if the other driver was 100% at fault for the accident, so don’t be surprised if your insurance company decides you played some role in the crash and denies your claim. That’s why you shouldn’t handle a UM/UIM claim alone. We know their playbook, and we don’t let them use it against you.

Common Causes of Uninsured Driver Crashes in Gaithersburg

Uninsured drivers come in all forms, from reckless teenagers to drivers with suspended licenses or multiple prior accidents. They tend to be among the riskiest on the road. Some common situations we see include:

• Hit-and-run accidents where the at-fault driver flees and can’t be found
• Crashes involving drivers with expired or fraudulent insurance cards
• Accidents with drivers who only carry Maryland’s minimum policy limits
• Situations where multiple parties share fault, but coverage is too low to pay your full damages

Gaithersburg’s mix of busy corridors like I-270 and neighborhood streets means these drivers can cause harm anywhere, anytime.

What If the Other Driver Leaves the Scene?

Hit-and-run accidents are a special kind of uninsured driver claim. If the at-fault driver flees and isn’t caught, your claim will still go through your UM coverage, just like if they’d stayed and had no insurance. But you’ll need evidence to show the crash really happened and that the other driver caused it. We help you gather police reports and witness statements, as well as photos and video footage if available. We’ll collect your medical records linking injuries to the crash, along with any evidence showing how and where the collision occurred. Time is critical in hit-and-run claims. The sooner we start, the stronger your claim.

Why Your Insurance Company Isn’t Always on Your Side

Too many people assume, “It’s my company. They’ll treat me fairly.” The reality is that your insurer’s priority is its bottom line. Even though you pay for UM/UIM coverage, they’ll often challenge your claim to reduce what they pay. This is why people hire us — to stand up to delays, excuses, or lowball settlement offers. We handle the claim paperwork, the phone calls, and the negotiation so you can focus on healing.

What Makes Maryland Injury Lawyers Different?

We don’t just dabble in injury claims. We handle complex uninsured driver cases all over Maryland, including right here in Gaithersburg. We know the insurance system inside out, and we don’t back down when a claim is denied or delayed.

When you hire us, you get:

• Direct contact with your lawyer, not a faceless “mill”
• A team that knows how to prove your damages and push for full value
• A no-win, no-fee guarantee — you pay us nothing unless we recover money for you

Our mission is simple: protect you, your rights, and your future.

Talk to a Gaithersburg Uninsured Driver Accident Lawyer Today

You didn’t choose to share the road with an uninsured driver, but you can choose who protects you now. If you’ve been hurt by someone with no coverage or too little, don’t let your own insurance company shortchange you. Call Maryland Injury Lawyers today for a free, no-obligation consultation. We’ll review your policy, explain your options, and take immediate action to get you the compensation you’re entitled to. Let’s make sure you don’t pay for someone else’s bad decision. Call now.