A crash creates stress and confusion, especially when the other driver lacks insurance. You may worry about medical bills, missed work, and vehicle repairs. State law provides several ways to seek compensation in this situation.
Uninsured motorist coverage requirement
Maryland requires drivers to carry uninsured motorist coverage as part of an auto insurance policy. This coverage may apply when the at-fault driver has no insurance or cannot be identified. Your own policy can help cover medical expenses, lost wages, and other losses tied to the crash.
You can file a claim with your own insurer
After the accident, you can notify your insurance company and request uninsured motorist benefits. The insurer often reviews fault, injuries, and damages much like a claim against another driver. Police reports, photos, medical records, and witness statements can help support your position.
Policy rules and notice requirements matter
Uninsured motorist coverage does not apply automatically. Most policies require prompt notice of the crash and cooperation during the claim process. Missing deadlines or failing to provide requested information can weaken your claim.
Lawsuits remain an option in some cases
State law allows injured people to file a lawsuit against an uninsured driver. This option may help when the driver has income or assets that could satisfy a judgment. Many uninsured drivers lack financial resources, which can limit recovery even after a successful case.
Contributory negligence rules still apply
Maryland follows a contributory negligence system. If evidence shows that you contributed to the accident in any way, you may lose the ability to recover damages. Insurers often examine fault closely, including in uninsured motorist claims.
Timelines and documentation affect recovery
The state sets a three-year statute of limitations for most injury lawsuits. Insurance policies may also impose shorter contractual deadlines for uninsured motorist claims. Prompt medical care and clear records can help connect your injuries to the accident.
Understanding your options after an uninsured driver crash
A car accident with an uninsured driver does not leave you without options. Your own insurance coverage often serves as the main source of compensation.