Being injured in a car accident is stressful enough, but the situation becomes even more challenging if the other driver did not have insurance. While it may feel like there is no recourse, there is still a way to pursue financial compensation for your injuries after an accident with an uninsured driver. Navigating this process, however, often requires dealing with insurance companies—and it can be complicated. A Towson car accident lawyer can help guide you through the process and protect your rights.
What Qualifies as an Uninsured Motorist Accident?
There are generally two scenarios in which you may be involved in an accident with an uninsured driver:
- Hit-and-Run Accidents: The other driver flees the scene, leaving you without insurance information.
- At-Fault Uninsured Driver: The other driver remains at the scene but is in violation of Maryland law because they do not have valid auto insurance.
You Likely Have Uninsured Motorist Coverage
Maryland law requires all drivers to carry a minimum level of insurance to operate a vehicle legally. Despite this, some drivers remain uninsured, either because they cannot afford coverage or deliberately choose not to purchase it.
Fortunately, Maryland law also requires insurance companies to offer uninsured motorist (UM) coverage as part of your policy. You may waive this coverage, but doing so is generally not recommended. Having UM coverage ensures that you are protected if you are injured by an uninsured or underinsured driver. Purchasing coverage to the fullest extent possible is the best way to protect yourself against these unpredictable situations.
How Does My Insurance Company Handle an Uninsured Motorist Claim?
If you are hit by an uninsured driver, your own insurance company becomes responsible for covering your damages under your UM coverage. In essence, your insurer steps into the shoes of the at-fault driver to provide compensation for your injuries.
However, the claims process still goes through your insurance company, and you are not automatically guaranteed a fair settlement. Even though you are a loyal customer who has paid premiums for years, insurance companies will often offer low initial settlements, requiring negotiation to obtain full compensation.
Proving Fault and Liability
It is important to understand that simply being hit by an uninsured driver does not automatically entitle you to compensation. You must still establish that the other driver was negligent and that their actions directly caused your injuries.
For example, fault is determined by the actions leading up to the accident, such as:
- Running a red light or stop sign
- Speeding or reckless driving
- Failing to yield
Gathering evidence—such as accident reports, witness statements, and medical records—is critical for building a strong uninsured motorist claim.
Negotiating a Fair Settlement
Once liability is established, your insurance company will handle the claim. You may need to actively negotiate to ensure that your settlement covers:
- Medical expenses
- Lost wages
- Pain and suffering
- Rehabilitation costs or ongoing care
A Towson car accident attorney can handle negotiations on your behalf, ensuring that the insurance company treats your claim fairly and that you receive the maximum compensation available.
Contact a Towson Car Accident Lawyer at Garner Legal
If you have been injured in a crash involving an uninsured driver, it is essential to act quickly. The Garner Legal can help you navigate your uninsured motorist claim, gather necessary evidence, and pursue the compensation you deserve. Schedule a free consultation with a Towson car accident lawyer today by calling 443-899-1758 or filling out our online contact form. Our Baltimore office serves clients throughout Central Maryland, providing experienced legal support every step of the way.