Maryland Uninsured Motorist Coverage
When you are injured in an accident, you would usually pursue compensation from the negligent driver and his or her insurer. However, if your injuries were the result of a hit-and-run accident where the negligent driver cannot be identified or an accident with an uninsured driver, this is not the case. Instead, your own insurance will cover your medical bills, lost wages and provide damages for your pain and suffering. This type of insurance is known as uninsured motorist coverage.
If you were injured in an accident with an uninsured driver, turn to the law firm of Cohen, Snyder, Eisenberg & Katzenberg, P.A. We provide knowledgeable advice and skilled advocacy to accident victims with uninsured motorist coverage throughout Maryland.
Protection Against Minimally/Uninsured Drivers
Uninsured motorist coverage is required in Maryland, though you can purchase higher limits as part of your insurance policy. This type of coverage protects you in the event that you or your passengers are injured by a driver without insurance or less insurance coverage then you have purchased for yourself. These claims normally do not affect your insurance rates.
Uninsured motorist coverage or underinsured motorist coverage, as it is sometimes referred to in the following instance, also provides compensation if you are in an accident with a driver who has minimal insurance coverage. If your uninsured motorist coverage is greater than the negligent driver’s coverage, your insurer may be liable for the difference. You will be required to pursue an action or claim against your Insurer proving your damages over the negligent driver’s policy limits.
After a serious accident, it is important that you work with an experienced attorney. Our lawyers will answer your questions and provide you with advice regarding your legal options and your rights. We can help you understand the process and stand by your side at every stage of your case, whether in negotiations with the insurance company or in the courtroom.