Maryland Uninsured Driver Accident Lawyers
Getting into a car accident is stressful enough, but discovering that the at-fault driver has no insurance can make the situation even more distressing. If you’ve been injured in an accident caused by an uninsured driver, you may be wondering how to recover compensation for your medical bills, lost wages, and other damages. At Maryland Injury Lawyers, our Maryland uninsured driver accident lawyers have the experience and resources to help you navigate these challenging cases and secure the compensation you deserve.
The Dangers of Uninsured Drivers
Despite laws requiring all drivers to carry auto insurance, many people continue to drive uninsured. In Maryland, over 15% of drivers don’t carry liability insurance (D.C. leads the nation in uninsured motorists, with more than one in four drivers uninsured). This dangerous and unlawful practice puts responsible drivers at risk, especially in serious accidents where injuries and damages are extensive. Common reasons for uninsured driver accidents include:
- Financial hardship leading to lapsed insurance coverage
- Driving without a valid license or registration
- Failure to renew or obtain proper insurance
Regardless of the reason, when you’ve been hurt in a crash caused by another’s negligence, you need help with medical bills and compensation for other legal damages. If you are involved in an accident with an uninsured driver, your legal options may differ from a standard car accident claim.
How to Recover Compensation After an Uninsured Driver Accident
When an at-fault driver lacks insurance, you may have multiple options to recover compensation:
1. Uninsured Motorist (UM) Coverage in Maryland
Maryland law requires insurance companies to include Uninsured Motorist (UM) coverage, which is designed to protect you if an uninsured driver causes an accident. Your UM policy covers your medical expenses and other bodily injury expenses, such as lost wages and pain and suffering. UM policies in Maryland also cover property damage with a $250 deductible.
2. Personal Injury Protection (PIP) Coverage
Maryland drivers may also have Personal Injury Protection (PIP) coverage, which can provide immediate financial relief by covering medical expenses and lost income, regardless of fault.
3. Filing a Lawsuit Against the Uninsured Driver
While suing the at-fault driver is an option, many uninsured drivers lack the financial resources to pay a judgment. However, if the at-fault driver has personal assets, pursuing legal action may be a viable path to compensation.
Why You Need a Lawyer for an Uninsured Driver Accident
Uninsured motorist claims can be complex, and insurance companies may try to minimize or deny your claim, even when you are working with your own insurer on a UM claim. A skilled car accident lawyer can investigate the accident and gather necessary evidence proving the other driver’s fault so you don’t fall victim to Maryland’s contributory negligence law, which keeps you from recovering if you are partially to blame for the crash. Your lawyer will negotiate with your insurance company to ensure you receive fair compensation and pursue legal action if your insurance company fails to settle or acts in bad faith. At Maryland Injury Lawyers, we fight aggressively to protect your rights and maximize your recovery after an uninsured driver accident.
Contact Maryland Injury Lawyers for a Free Consultation
If you’ve been hurt by an uninsured driver, don’t try to navigate the legal process alone. Our experienced lawyers are ready to help you explore your options and fight for the compensation you deserve. Contact us today for a free consultation. We don’t get paid unless we win your case.