In Maryland, you have to be wary of uninsured motorists on the road. You may be one of them, or you may find yourself involved in an accident with an uninsured motorist. When these unfortunate circumstances occur, what are some of your options? The trial lawyers at The Law Offices of Cardaro & Peek have extensive knowledge and experience in cases involving personal injury, including uninsured vehicle accidents. Below you’ll find a few things to keep in mind regarding an uninsured party in a motor vehicle accident.
If You Are Uninsured
While most states, including Maryland, require you to have car insurance, it is not uncommon for individuals to find themselves without or in between coverage. It can be especially unfortunate to find yourself involved in a vehicle accident while uninsured. In addition to paying out-of-pocket for any damages to you or the other driver, you can incur penalties from the state.
For example, if you are involved in any vehicle accidents, and the other driver is injured, they can sue you for their medical bill costs, lost wages, damaged property, and non-economic damages like suffering. Furthermore, unless you try to defend yourself in court, you’ll need to hire a lawyer to represent you and pay for that out-of-pocket, as well.
If The Other Driver is Uninsured
What if the situation were the reverse, and the other driver was uninsured? If you have insurance, you will utilize uninsured motorist coverage. Maryland law requires that you purchase uninsured/underinsured motorist bodily injury liability insurance that covers at least $30,000 in damages per person injured, with a minimum of $60,000 per accident, and property damage liability coverage minimum of $15,000. Depending on the damages, if the other driver is uninsured, you may defer to your own insurance company to protect you and cover the costs. Similarly, if the other driver’s insurance coverage does not cover all the damages to you or your property, then you can defer to your underinsured motorist coverage to make up the difference. However, if you suffer serious injury, the uninsured/underinsured motorist coverage may not be enough.
Suffered Serious Personal Injury?
In Maryland, you may be able to file a lawsuit against an uninsured driver for any serious personal injury done to you by the vehicle accident. However, proving that they were at-fault for an accident does not guarantee you can collect compensation for the judgment against them. Speaking to the experienced attorneys at Cardaro & Peek can help clarify your options if insurance does not cover the extent of your personal injuries sustained.
Contact The Law Offices of Cardaro & Peek, LLC Today
Have you experienced an injury as a result of a vehicle collision? If so, you may be entitled to compensation. Call Cardaro & Peek, LLC today.
The lawyers at Cardaro & Peek, LLC have the experience and resources necessary to investigate and litigate all types of medical claims throughout Maryland and Washington D.C. Cardaro & Peek, LLC has medical personnel on staff and has access to nationally recognized, board-certified physicians and other experts, to assist in the investigation, analysis, and prosecution of all types of medical malpractice claims. If you or a loved one have experienced malpractice, give us a call at 410-752-6166. Please visit our website www.cardarolaw.com and follow us on Facebook, Twitter, and LinkedIn for more information.