After a car accident, the parties involved usually exit their vehicles if they can and exchange information such as names, contact information, car information, and insurance policy information. This way, everyone can move forward with notifying their insurance company and car accident claims. But sometimes, the at-fault party doesn’t have insurance, or their insurance won’t cover the damage of the accident. But this doesn’t mean that the injured party is completely out of luck.
If you’ve been injured by a negligent driver who doesn’t have insurance for the accident, you may not know what to do next. It’s important to know that you can seek legal aid. A Baltimore uninsured motorist accident lawyer from Belsky, Weinberg & Horowitz, LLC will help you get compensation for the accident.
What Is an Uninsured or Underinsured Motorist?
Uninsured and underinsured motorists can make car accident claims a bit more difficult than typical car accident claims.
- Uninsured Motorist. The driver who was at fault for the accident and doesn’t have liability insurance.
- Underinsured Motorist. The at-fault driver has liability insurance, but it’s not enough to cover the damages from the accident. Another way to determine if a motorist is underinsured is if the injured party’s uninsured motorist coverage is higher than the at-fault driver’s bodily injury insurance limits.
Uninsured motorist coverage isn’t just for instances where the other party’s insurance won’t cover your expenses. It can also be used for hit-and-run accidents, where the at-fault driver flees the scene of the accident.
In Maryland, it’s the law for drivers to have minimum liability coverage, but this doesn’t mean that everyone follows the law. Minimum liability covers the following:
- $30,000 per person for bodily injury.
- $60,000 per accident for bodily injury.
- $15,000 for property damage.
Even if the negligent party has this minimum coverage, it may not be enough to cover your injuries or damage done to your vehicle. This could potentially leave you with most of the financial burden either through your own insurance or out of your pocket—when none of the damages were your fault.
What Can You Get with an Uninsured Motorist Claim?
A car accident can cause severe injuries that put your life on hold, regardless of the responsible party’s insurance coverage. Your injuries could be causing overwhelming financial stress from hospital bills or future rehabilitation, missing work because your injuries are preventing you from doing your job or worrying about your damaged car. When you weren’t at fault, your claim can get you compensation for what you’ve gone through.
Your compensation can help you cover:
- Medical Expenses.
- Pain and Suffering.
- Lost Wages.
- Property Damage.
This financial support will help you get peace of mind that you can recover from this accident. When you’re not worrying about expenses, you can focus on healing your injuries and moving forward.
What Does Your Uninsured Motorist Claim Need?
The main issue in uninsured motorist cases usually comes down to the insurance company undercutting your accident and the high costs of medical expenses and vehicle damage. Your goal is to show that your claim is worth more.
- Act Within Statute of Limitations. In Maryland, there’s a time limit of three years to settle an uninsured motorist coverage claim. It’s important to contact a lawyer about your case as soon as possible so you have plenty of time to reach a favorable outcome.
- Evidence of Their Negligence. One component that can help show negligence is photographs of the scene. This can include where the accident happened and closeups of the cars that show the damage. Any eyewitnesses to the accident can help as well.
- Their Negligence Caused Your Injuries. Copies of your medical records like hospital visits, x-rays or tests, and prescription medication will prove that your injuries were caused from this accident.
- How Your Injuries Affected You. Show how your injuries are preventing you from working or living your everyday life. For some, they may have suffered from injuries that will have permanent consequences that will change their lifestyle.
Before making any decisions, you should meet with your uninsured motorist lawyer so you don’t do anything that will prohibit you from filing your claim or forcing you to settle for less than you deserve. Your lawyer knows the claims process and what you have to do to pursue your uninsured motorist claim successfully.
You may not discover the limits of the at-fault driver’s insurance policy, and when you find out it will still take time to factor in your claim and if their insurance will or won’t cover it all. This process can take a while because your lawyer will have to determine how much your medical care you’ve had and will need in the future, the work you’ve missed and will have to miss, and the amount of damage done to your vehicle.
How Can a Maryland Uninsured Motorist Accident Lawyer Help?
You deserve to have someone on your side who will ensure that your voice is heard and your rights are protected. Belsky, Weinberg & Horowitz, LLC represents those injured in Baltimore and throughout Maryland, and we’re ready to help you. We won’t let insurance companies harass you or try to get you to settle the matter early and get an unfavorable outcome.
Give us a call today at (800) 895-5333 to schedule a free consultation of your case. You will meet with one of our skilled personal injury lawyers and they will review the merits of your case and discuss your legal options. You can rest assured that we’re acting in your best interests.