Motor Vehicle Accidents Information

Maryland Uninsured Motorist Accident Attorneys

If you've been injured in an auto accident of any kind, call the Maryland law firm of Meng & Alpert, LLC. We have over 20 years of experience investigating auto accidents and drunk driving cases. Let us put our knowledge and resources to work for you. Contact us today for a free consultation.

We can help, even if your case seems hopeless.

1-866-444-6363

Our firm represents people in Bethesda and throughout Southern Maryland, including Rockville, Gaithersburg, Chevy Chase, Glen Burnie, Oxon Hill, Silver Spring, Columbia, Ellicott City, Annapolis, Bowie, College Park, Greenbelt, and Washington D.C. Contact us today for your free consultation!

Uninsured or Underinsured Motorists

Many drivers ignore motor vehicle insurance requirements, cannot afford to purchase insurance, or carry insufficient insurance. Uninsured motorist coverage is a form of insurance that pays compensation for bodily injury that results from an accident with a driver who is legally responsible for the injuries, but has no liability coverage. Underinsured motorist coverage pays compensation for bodily injury that results from an accident with a driver who has liability insurance with limits that are lower than the injured party's underinsured motorist coverage limits. If you have been involved in an accident with an uninsured or underinsured driver, it is important that you contact an attorney at an experienced personal injury law firm immediately so you do not waive valuable legal rights.

Uninsured Motorists

Typically, uninsured motorist coverage protects injured drivers if the at-fault driver has no insurance. Uninsured motorist coverage can also apply when someone is injured in an accident with an unidentified hit-and-run vehicle. If a person has uninsured motorist coverage and is in an accident with an uninsured motorist, he or she can collect from his or her insurance company to recoup damages. If you are involved in an accident with an uninsured motorist, you should consult with an experienced personal injury attorney before you file a claim with your insurance company to ensure that you obtain all of the coverage available to you.

Underinsured Motorists

Underinsured motorist coverage provides compensation for injured drivers when the at-fault driver does not have enough insurance coverage to compensate the injured party in full for his or her injuries. An "underinsured motorist" is generally a person who is responsible for the injuries, but who has opted to purchase only the minimum policy required by law. If a person who has purchased underinsured motorist coverage is in an accident with an underinsured motorist, he or she may be able to collect from his or her own insurance company to recoup damages that are greater than the responsible party's limits.

Collecting benefits

In order to recover underinsured or uninsured motorist benefits, a party generally must first establish that the underinsured or uninsured driver was at fault and that he or she suffered significant injuries. In the case of underinsured motorist benefits, the injured party must also collect the at-fault driver's policy limits before collecting under his or her own insurance policy. An insurance company is typically entitled to a credit for any recovery received from the underinsured motorist's policy.

Stacking Insurance Coverage

Uninsured and underinsured motorist coverage is "stackable" in some states and under some policies. Stacking uninsured or underinsured motorist coverage may permit a person to add together either insurance coverage from several motor vehicle policies or insurance coverage for several vehicles listed on one policy. In some cases, a person may select stackable coverage at the time he or she purchases the insurance.

Conclusion

Uninsured and underinsured motorist coverage protects you if someone who does not have adequate insurance injures you in an automobile accident. If you are in an accident with someone who is uninsured or underinsured, do not settle with the other driver's insurance company without first contacting an experienced lawyer. Some underinsured motorist policies do not require the insurance company to pay if the insured person has settled with the other driver's insurance company. This can be a very costly mistake. Therefore, you should consult with a personal injury law firm experienced in dealing with automobile accident cases before you settle any portion of your claim. An attorney can provide you with the information and support you need to obtain the best result available.

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Meng & Alpert, LLC
14507 Main Street
P.O. Box 549
Upper Marlboro, MD 20773
1-866-444-6363
1-301-627-1600
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From our offices in Maryland, our Bethesda criminal defense, personal injury, estate and trust litigation, real property litigation, and DUI/DWI lawyers handle cases throughout the entire state of Maryland, including Southern Maryland and the Eastern Shore of Maryland, including the counties of Montgomery County, Howard County, Prince George’s County, Anne Arundel County and Frederick County, as well as the cities of Bethesda, Rockville, Gaithersburg, Chevy Chase, Silver Spring, Columbia, Ellicott City, Annapolis, Glen Burnie, Bowie, College Park, Greenbelt, Oxon Hill.  also defend individuals facing DUI charges in metropolitan Washington D.C.