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The at-fault driver doesn’t have insurance! Am I out of luck?

Published on Aug 4, 2016 at 6:00 pm in Car Accidents.

Even though drivers in Maryland are supposed to carry auto insurance, many do not. What is particularly frustrating about these careless motorists is that they are not only putting their own financial future at risk should they ever cause an accident, but your future as well.

So what happens if you suffer an injury in a car accident caused by an uninsured driver? Do you have any options, or are you simply out of luck? Fortunately, for many car accident victims, hope may be found in their own auto policies – specifically, under their uninsured/underinsured (UM/UIM) motorist coverage.

UM/UIM Coverage: The Basics

As its name suggests, uninsured/underinsured (UM/UIM) motorist coverage provides benefits to the policyholder when he or she is injured in a car accident and the at-fault driver doesn’t have insurance, or not enough insurance to cover the policyholder’s injuries. This type of coverage may also come into play when the at-fault driver cannot be identified, such as accidents involving hit-and-run drivers.

In Maryland, auto insurance policies are generally required to contain UM/UIM coverage, but it is always best to check your policy to make sure.

If you or a loved one ever suffers an injury in an accident involving a driver who doesn’t have insurance, or not enough insurance to cover your damages, it is always best to contact an attorney as soon as possible. An experienced attorney can deal with the insurance company and help make sure you receive the insurance coverage you have paid for.

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