If you were hit by a negligent driver who was uninsured or underinsured, you may face significant medical bills, time away from work, and lasting impacts on your daily life. Our auto accident lawyers understand the challenges victims face when this happens — and we're here to help.
Getting hit by an uninsured or underinsured driver in Baltimore can leave you with mounting medical bills and lost wages and seemingly nowhere to turn. At Innovate Injury & Accident Lawyers, we help accident victims navigate these complex claims and get the compensation they deserve through every available avenue.
Maryland's uninsured motorist coverage
Maryland law requires all auto insurance policies to include uninsured motorist (UM) and underinsured motorist (UIM) coverage. This coverage makes sure you're not left financially ruined when:
- You're hit by a driver with no insurance
- You're involved in a hit-and-run
- The at-fault driver's insurance limits are too low to cover your damages
- You're injured as a pedestrian or cyclist by an uninsured driver
How uninsured motorist claims work in Baltimore
Knowing the process helps you protect your rights.
First-party claims
Unlike typical claims against another driver's insurance, UM/UIM claims are filed with your own insurance company. But your insurer will still try to lowball you.
Maryland insurance requirements
While all Maryland drivers are supposed to have insurance, many don't. Our attorneys know how to investigate every possible source of coverage.
Stacking coverage
Maryland law generally prohibits "stacking" UM/UIM coverage from multiple policies. But there are exceptions, and our attorneys will look into all of them.
Hit-and-run accidents
UM coverage applies in hit-and-run cases, but you must report the accident promptly and meet certain requirements to qualify.
Maryland required coverage amounts
Every Maryland auto insurance policy must carry minimum UM/UIM coverage of:
- $30,000 per person
- $60,000 per accident
- $15,000 property damage
If you purchased higher limits, our attorneys will help you determine all available coverage.
Types of recovery available
Through your UM/UIM coverage, you may be entitled to:
- Medical expenses, past and future
- Lost wages and diminished earning capacity
- Vehicle damage and property loss
- Pain and suffering
- Emotional distress
- Out-of-pocket expenses
- Rehabilitation costs
Why you need an attorney for UM/UIM claims
These claims are complicated:
- Your own insurance company becomes the adversary
- Complex notice requirements and deadlines apply
- Multiple policies are often involved
- Coverage disputes are common
- Documentation is key
Our approach to uninsured motorist claims
At Innovate Injury & Accident Lawyers, we:
- Investigate your accident thoroughly
- Find all available insurance coverage
- Handle all insurance company communication
- Document your damages completely
- Negotiate hard for maximum recovery
- Prepare every case for trial
- Keep you informed throughout the process
What to do after an accident with an uninsured driver
- Call the police and get a report
- Get as much information as you can from the other driver
- Take photos of the accident scene
- Get medical attention immediately
- Report the accident to your insurance company
- Don't give recorded statements without an attorney
- Contact our UM/UIM attorneys
Insurance company tricks
Be aware that insurance companies will:
- Downplay the severity of your injuries
- Dispute your medical treatment
- Delay the claim
- Lowball the settlement offer
- Look for policy violations
- Ask for unnecessary documentation
Our attorneys know these tricks and how to counter them.
Why choose our Baltimore UM/UIM lawyers?
- Maryland insurance law expertise
- Real UM/UIM claim experience
- A proven track record of settlements
- No fee unless we win your case
- Free consultations
- Direct attorney access throughout your case
Frequently asked questions
What if the other driver's insurance company says they don't owe anything?
Your UM/UIM coverage applies even if the other driver's insurance says they're not liable. We'll find all available coverage for you.
How long do I have to file a UM/UIM claim in Maryland?
You generally have three years to sue, but insurance policies require prompt notice of the claim. Contact us now to protect yourself.
Will my rates go up if I file a UM/UIM claim?
Maryland law prohibits rate increases for UM/UIM claims where you weren't at fault. We'll protect your rights under these laws.
What if I was injured as a passenger?
You may be covered under multiple policies: the driver's policy, your own policy, and possibly the policies of household family members. We'll help identify all available coverage.
Get help with your uninsured motorist claim
If you were hit by an uninsured or underinsured driver in Baltimore, don't wait to get legal help. Contact Innovate Injury & Accident Lawyers for a free consultation. We'll review your case, explain your coverage options, and show you how we can get you more money. Our UM/UIM attorneys are available 24/7 and ready to get started on your case right away — serving Baltimore and surrounding Maryland areas.