After a car accident, getting the other driver’s information can be a relief. It suggests insurance will cover the damage. However, what if the at-fault driver has no coverage? This situation is more common in Maryland than many realize. Fortunately, options remain available for recovery.
What are Maryland’s car insurance requirements?
Maryland law requires all drivers to carry liability insurance. The state requires at least:
- $30,000 per person for bodily injury
- $60,000 er accident for all injuries combined
- $15,000 for damage to property
Despite this, some drivers still get on the road without coverage.
What happens when an uninsured driver causes an accident?
When an uninsured driver causes a crash, recovering compensation can be more complicated. The at-fault driver is still legally responsible. However, without insurance, they must pay out of their own pocket. Many uninsured drivers do not have the money for medical bills, lost wages and car repairs.
In some cases, the driver may have been using someone else’s car. Maryland has a rule called negligent entrustment. It can make a car owner liable if they lend their vehicle to a reckless or unsafe driver. If the owner has insurance or assets, you may have another way to recover.
Does your own insurance policy offer protection?
Maryland requires all drivers to have uninsured motorist (UM) coverage as part of their auto insurance policy. This coverage protects drivers when someone without insurance hits them. UM coverage pays for medical bills, lost wages and pain and suffering up to the policy limits.
All policies must include UM coverage at minimum levels. Drivers cannot reject this basic protection. However, insurance companies offer higher UM limits that match liability coverage. Drivers can waive these higher amounts in writing.
Can legal action be taken against the uninsured driver?
Even if a court awards damages, collecting the money is another challenge. The driver must have assets or income to cover it. Many uninsured drivers have limited financial means, making recovery difficult or impossible.
Before filing a lawsuit, look into their finances. Find out if they own property or earn wages. Maryland law allows creditors to collect through wage garnishment and property liens.
Protecting your right to compensation
Discovering the at-fault driver has no insurance does not mean you are out of options. Understanding available coverage alongside Maryland insurance laws can help accident victims pursue fair compensation. Exploring every available source of recovery can help reduce the financial impact of the accident.