A car accident is already stressful, though it can become even more so if you learn that the driver who hit you does not have the required auto insurance coverage. Despite the law in Maryland mandating that every driver carry a minimum amount of insurance, a surprising number of people fail to do so.
At the Law Offices of Randolph Rice, we understand the prevalence of uninsured drivers on the streets of Baltimore and the dangers they pose. We can determine the best course of action to help you cover your accident-related losses despite the involvement of an uninsured driver. Please contact our office today to learn more about your options.
When you learn that an at-fault driver is uninsured, you may think that you are stuck paying for your property damage and medical bills, even though the accident was not your fault. An experienced attorney, however, can help you with the process of covering your losses.
In addition to liability coverage, Maryland also requires drivers to carry uninsured motorist coverage in the following minimum amounts:
If you have the required coverage, your policy should cover your medical bills, lost income, and other accident-related losses.
Filing a claim under your uninsured motorist coverage, however,can result in more significant complications than filing other types of auto insurance claims. First, for this coverage to kick in, your insurer will require you to prove that the uninsured driveractually caused the crash. You must prove fault in the same way you would if you were filing a claim against another driver’s insurance.
The complexity of proving fault and the extent of your damages, and the frequency with which insurance companies try to avoid paying out on uninsured motorist claims, may surprise you. However, an experienced auto accident attorney will know how to protect your rights to payment from your uninsured motorist policy and to take further legal action against your insurer if needed.
Most insured drivers in Maryland also carry at least $2,500 in personal injury protection (PIP) coverage. This no-fault coverage will cover your medical expenses without requiring you to prove fault in the crash. If your medical costs are within your PIP policy limits, your attorney may advise you to pursue this simpler option.
At the Law Offices of Randolph Rice, we will evaluate all of your options depending on your losses and your insurance coverage. We will handle the complicated insurance process for you so that you can focus on getting your life back together after the crash. Just because an uninsured motorist hit you does not mean that you lack rights. To schedule a free consultation with a Baltimore car accident lawyer, please call (410) 288-2900 or contact us online.