While auto insurance coverage is mandated for all motorists in Maryland, uninsured and underinsured motorists are on the road. Having Uninsured/Underinsured Motorist (UM/UIM) coverage can be the difference between being left in a vulnerable position post-incident, or coming away with the ability to be made whole.
If you’ve experienced such an event, you can call (410) LAW-YERS to speak with a car accident lawyer White Marsh. Their valuable legal insights can help to protect you and others on the roads of White Marsh and the rest of Maryland.
Knowing Your Coverage
UM/UIM coverage is one of Maryland’s most valuable auto insurance policies. When you are involved in an accident with a driver who lacks insurance or whose coverage is insufficient, your damages will be covered by the policy. This is a highly recommended policy addition, as it reduces the risk of the inconveniences of run-ins with uninsured and underinsured drivers.
Maryland’s Insurance Minimums
While Maryland law requires all motorists to carry a minimum amount of liability insurance, it’s often not enough when severe accidents happen. UM/UIM coverage becomes a crucial safety net for those involved in accidents that would otherwise leave them without transportation in the wake of a collision.
Non-Insured Drivers
Despite it being illegal, some motorists still drive without insurance. Colliding with one of them can mean that your medical bills, vehicle repairs, or any wages lost would be unrecoverable. UM coverage ensures you’ll bear no financial burden when you’re involved in a collision with an uninsured driver and they’re at fault.
Covering Medical Expenses
Injuries sustained from auto collisions can cause medical bills to pile up fast. When an at-fault driver’s insurance doesn’t cover your medical expenses, a UM/UIM policy can supplement the difference. This protects you from depleting your savings or being left without a means of transportation.
Guarding Your Savings
For lots of motorists, a collision with an uninsured or underinsured driver could leave them in a state of financial ruin. Without the proper coverage, the best option could be to pursue legal action to recover your losses. While this can lead to resolution, it’s often a tedious and stressful process. UM/UIM coverage provides a simple and streamlined path to a resolution.
Protection From Fleeing Motorists
Unfortunately, hit-and-run accidents are too common on our roads. UM coverage can be a valuable lifeline when faced with a hit-and-run. The coverage would enable you to claim your damages even when the driver responsible for the collision has fled the scene.
Easing Your Mind
The peace of mind that having UM/UIM coverage provides cannot be quantified. The stress of having an incident with an underinsured or uninsured driver becomes a non-issue. You can feel better knowing that if necessary, focusing on your recovery will be your sole responsibility.
The Advantage of Complete Coverage
Uninsured/Underinsured motorist coverage is proven to be a most valuable investment in Maryland. It levels the playing field for scenarios where other motorists risk putting you at a disadvantage that you otherwise wouldn’t have to deal with.
