Being involved in a car accident can be a distressing experience, and it becomes even more complicated if the other driver is uninsured. Understanding your options and the steps you need to take can be helpful during this challenging situation. Here is a guide to help you understand what happens if you are hit by an uninsured driver in Maryland.
What is uninsured motorist coverage?
In Maryland, all automobile insurance policies must include uninsured motorist coverage. This coverage activates when the driver at fault is uninsured. It typically covers both property damage and bodily injury.
As you examine your policy, you will notice the terms Uninsured Motorist Property Damage (UMPD) and Uninsured Motorist Bodily Injury (UMBI) included. These coverages ensures that you can claim compensation for your damages and injuries, similar to what the other driver’s insurance would have covered if they were insured.
How to file a claim?
If you find yourself in an accident with an uninsured driver, the first step is to report the incident to the police. Some insurance companies require this as part of their policy terms. Filing a police report not only helps with your insurance claim but also provides a legal record of the accident.
After reporting, you should contact your insurance provider to initiate an uninsured motorist claim under your own policy. It is important to note that uninsured motorist coverage applies only if the other driver is completely at fault for the accident.
Do you need a lawyer?
If you have sustained injuries or significant property damage, consulting with a personal injury lawyer can be beneficial. Experienced attorneys can assist in maximizing your compensation, whether through negotiation or, if necessary, litigation. Legal representation can ease the burden of dealing with insurance companies and protect your rights.
f an uninsured driver hits you, understanding the steps you need to take can help you manage the situation. Ensure you report the accident and consult with your insurance provider to understand your policy’s specifics. If needed, seek legal advice to help you pursue fair compensation for your injuries and losses. By taking these steps, you can focus on recovering and moving forward after the accident.