- Uninsured & Underinsured Motorist Accidents
Were You Hurt by an Uninsured or Underinsured driver?
If you were hit by a negligent driver that 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 are here to help you.
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 all avenues.
Maryland's Uninsured Motorist Coverage
Maryland law requires all auto insurance policies to have uninsured motorist (UM) and underinsured motorist (UIM) coverage. This coverage ensures 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 low ball you.
Maryland Insurance Requirements
While all Maryland drivers are supposed to have insurance, many don’t. Our attorneys know how to investigate all possible sources of coverage.
Stacking Coverage
Maryland law generally prohibits “stacking” of 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 immediately and meet certain requirements to qualify.
Maryland Required Coverage Amounts
Every Maryland auto insurance policy must have minimum UM/UIM coverage of:
$30,000 per person
$60,000 per accident
$15,000 property damage
If you have 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 enemy
Complex notice requirements and deadlines apply
Multiple policies are 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 info 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
Why Choose Our Baltimore UM/UIM Accident Lawyers?
We have:
Maryland insurance law expertise
UM/UIM claim experience
Proven track record of settlements
No fee unless we win your case
Free consultations
Direct attorney access throughout your case
Insurance Company Tricks
Be aware that insurance companies will:
Downplay the severity of your injuries
Dispute medical treatment
Delay the claim
Low ball the settlement offer
Look for policy violations
Ask for unnecessary documentation
Our attorneys know these tricks and how to counter them.
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 to help you and get started on your case right away.
Serving Baltimore and surrounding Maryland areas.
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.