No one in Maryland wants to be in a car accident, but sometimes they are inevitable. Even the safest drivers can be in a motor vehicle accident due to the actions of the other drivers on the roads. That is why it is important that everyone have car insurance. Insurance is there to ensure that innocent victims in these accidents are compensated for the injuries they suffer and the damage to their vehicles.
Not everyone has insurance because the policy limits are too low to cover all of the damages people suffer. This can leave the victim in a difficult position financially as they figure out how to pay for their bills. However, if people have uninsured/underinsured insurance through their own policies, they may be able to receive the remaining compensation through their own insurance company.
What uninsured/underinsured motorist insurance covers
Uninsured motorist insurance can pay for medical bills, pain and suffering, lost income if the injuries prevent people from working as well as damage to one’s vehicle or replacement of the vehicle if it is a complete loss. This insurance will start right away if the other driver is not insured at all. Underinsured motorist coverage will pay for similar damages, but only the amount in excess of the at-fault driver’s policy limits.
There are many damages that can result from car accidents. People may suffer life-changing injuries such as spinal cord injuries or traumatic brain injuries. These types of injuries can require lifelong medical treatment and use of medical equipment. People generally do not have the funds to pay for these on their own and it is important that people receive the compensation they deserve.
Many people in Maryland either do not have insurance or have low policy limits. Having uninsured/underinsured insurance can be extremely valuable in these situations. However, the insurance claim for uninsured motorist coverage can be similar to one against another insurance company. Experienced attorneys understand how to handle insurance companies and may be able to help one receive fair compensation for their injuries.