Baltimore Uninsured Driver Accident Attorney
You got injured in a car wreck and have thousands of hospital bills coming in the mail; your injury is forcing you to miss weeks of work, and your life is suffering in other, seemingly endless ways from not being able to properly take care of your kids, to suddenly being unable to exercise or do your hobbies. This is the dreary, yet very real life that thousands of injured traffic victims wake up to every day across the country. The only thing that can make this reality worse, is if the driver who caused the crash does not have insurance. Unfortunately, the chance of being hit by an uninsured driver is surprisingly high; here in Maryland, 12.4 percent of drivers have no insurance, according to the Insurance Information Institute. If you were injured by an uninsured or underinsured driver, our Baltimore uninsured driver accident attorneys here at Berman, Sobin, Gross, Feldman & Darby LLP can help you find a solution.
How Uninsured Motorist Coverage Works
Tens of thousands of drivers right here in Baltimore are out operating their vehicles on the road illegally, without any insurance. If they get into a crash, they have no means to provide the financial compensation to their victims that the law requires. Suing the individual directly is not likely to result in any meaningful amount of compensation, because chances are that if the driver has no insurance, they have no assets of any value worth pursuing. Additionally, tens of thousands more drivers in Baltimore have the bare minimum of insurance, which provides just $30,000 in bodily injury compensation per person, according to Geico. Considering that just one night in the hospital is likely to cost you around $10,000, Maryland’s minimum insurance policy does not go very far.
However, by using your own insurance uninsured or underinsured motorist (UM) policy, you can be compensated if the other party had no insurance, or not enough to cover your damages. This requires filing a claim with your own insurance company. But like filing a personal injury claim with a negligent party’s insurer, you can only use your UM coverage if the other driver was at fault.
Uninsured Motorist Coverage Covers All of the Following Damages
- Medical costs and ongoing expenses;
- Lost wages and lost earning capacity;
- Pain and suffering;
- Loss of joy of life;
- Emotional distress;
- Property damage; and
Should I Accept The Offer Made by My Insurance Company?
Just because you are a client does not mean your insurance company will treat you fairly by offering the full compensation that you are owed. Most insurers are quick to offer a low settlement in hopes that the injured party will accept it without realizing just how valuable their case is. The truth is, you need to work with an attorney to be taken seriously and given an offer worthy of your damages. If that offer is not made, an attorney can take the insurer to court.
Call a Baltimore Uninsured Driver Attorney Today
There is nothing more frustrating than being hit by a driver who is so thoughtless and uncaring about others on the road that they decided to break the law and drive without insurance. If this happens to you, we encourage you to call our Baltimore uninsured driver attorneys at Berman, Sobin, Gross, Feldman & Darby LLP today at 800-827-2667 to schedule a free consultation.