Rockville Uninsured / Underinsured Motorist Coverage Lawyers

Uninsured / Underinsured Motorist Coverage

Since it is the law to have auto insurance, you would assume that most drivers have it. However The Insurance Research Council believes that in many states up to 25 percent of all drivers do not have any insurance. If you are in an accident with an underinsured or uninsured motorist are you covered?

The definitions

• Underinsured - A driver who has insurance that meets legal requirements, but does not have limits great enough to cover the damages caused by the accident.
• Uninsured - A driver with no insurance or insurance that does not meet the legal standards. A hit-and-run accident is also considered an "uninsured" accident whether or not bodily injury is involved.

Your coverage

In Maryland, it is a legal requirement that you carry at least $20,000 per person and $40,000 per incident in uninsured/underinsured motorist coverage on your motor vehicle policy. It is also required in Maryland that the amount of underinsured/underinsured motorist coverage you carry must match the amount of bodily injury liability coverage provided under your policy. If you are injured by an uninsured motorist there are steps you must take in order to utilize the uninsured/underinsured motorist's coverage available through your policy. First and foremost it will be necessary to prove that the other driver is legally responsible for the crash and that the other driver is underinsured or uninsured. An auto accident attorney can help you prove liability and can deal with your insurance company for you. The amount of uninsured/underinsured motorist's coverage available to you in the event you are injured by an at fault uninsured/underinsured driver is limited by the amount you purchase. If you pay for a higher coverage amount, you will have up to the amount of coverage you purchased available to compensate you for the injuries and damages you suffered if you are injured by an at-fault driver with inadequate insurance.

Better safe then sorry

You probably already have automobile insurance for two reasons: it's legally required and it's there for you in case of an accident. It's always best to be protected just in case. The same goes for uninsured and underinsured motorist coverage. You can't predict if you are going to be in an accident and you certainly can't know if that accident will involve an uninsured or underinsured driver. The resulting costs of a car accident can add up fast. You may have car repairs, medical bills, rehabilitation fees and time away from work. All of these things may be considered for compensation if you are covered. Why leave your financial future up to chance?

If you are in an accident and the driver at fault does not have insurance and you do not have adequate underinsured/uninsured coverage, your only recourse may be to go after the driver personally by filing a civil suit. If the driver at fault doesn't have any financial resources, you will get little to no compensation. Your underinsured / uninsured coverage acts as a safeguard against this potential danger.

Legal representation

Dealing with insurance companies and the legal system can be complicated and confusing. Having an Bethesda Maryland auto accident lawyer by your side can help get you the compensation you rightfully deserve. At Alpert Schreyer, we know how to work with your insurance company to help cover your accident-related costs. Call 866-444-6363 for a free and comprehensive consultation.

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