What Happens if You Have an Accident With an Uninsured Driver

Driving is a privilege that may come with serious risks. Distracted driving and uninsured drivers are all too common. Wired estimates the average driver uses their phone for 88 percent of trips, despite research showing just how dangerous talking and texting on the phone is while driving. 80 percent of drivers also admit to expressing extreme anger behind the wheel at least once per year, and eight million Americans engaged in extreme road rage such as purposefully ramming another vehicle, according to research reported by ScienceDaily. With traffic deaths rising, particularly for motorcyclists, bicyclists, and pedestrians, as well as for drivers, it is more important now than ever that all drivers have insurance, but unfortunately, this is not always the case.

More Than One in 10 Drivers is Uninsured

Around 12 percent of Maryland drivers do not have any insurance, according to the Insurance Information Institute. Even more common is a driver who is minimally insured, and only has enough to meet the minimum standards that Maryland requires, which may not be adequate coverage for a major accident involving more than one driver or multiple passengers. A driver without insurance is operating their vehicle illegally, but the penalties they face for doing so, and causing a collision, unfortunately do not help the victim in any way. While a victim can seek compensation from the underinsured driver, it may not be enough to cover their medical bills, lost wages, pain and suffering, and other damages. This leaves injured car crash victims with only one option, to pursue compensation from their own insurance company.

Uninsured and Underinsured Motorist Coverage

If you were hit by an uninsured or underinsured driver, you can seek compensation from your uninsured or underinsured motorist policy (UIM Coverage). This coverage exists to ensure that you are financially covered in the event of being involved in a crash with someone who is driving illegally, or without adequate coverage. You should work with an attorney to ensure fair treatment and compensation.

An Experienced Maryland Uninsured Motorist Attorney Can Help

Dealing with insurance companies, medical bills, and your own extensive injuries all at the same time can be quite stressful. The Maryland personal injury law firm Frame & Frame has over 65 years of experience serving the legal needs of our local community and their personal injury attorneys can help you navigate this complicated process, file paperwork, and negotiate with insurance adjusters for you to ensure that you are compensated fairly. For more information, contact Frame & Frame today at 410-255-0373 to schedule a free consultation.